<SEC-DOCUMENT>0001140361-21-011100.txt : 20210331
<SEC-HEADER>0001140361-21-011100.hdr.sgml : 20210331
<ACCEPTANCE-DATETIME>20210331173030
ACCESSION NUMBER:		0001140361-21-011100
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		120
CONFORMED PERIOD OF REPORT:	20201231
FILED AS OF DATE:		20210331
DATE AS OF CHANGE:		20210331

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BROADWAY FINANCIAL CORP \DE\
		CENTRAL INDEX KEY:			0001001171
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				954547287
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39043
		FILM NUMBER:		21794844

	BUSINESS ADDRESS:	
		STREET 1:		5055 WILSHIRE BLVD STE 500
		CITY:			LOS ANGELES
		STATE:			CA
		ZIP:			90036
		BUSINESS PHONE:		3236341700

	MAIL ADDRESS:	
		STREET 1:		5055 WILSHIRE BLVD STE 500
		CITY:			LOS ANGELES
		STATE:			CA
		ZIP:			90036
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>brhc10022486_10k.htm
<DESCRIPTION>10-K
<TEXT>
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      <hr align="center" style="border: none; border-bottom: 1px solid black; border-top: 4px solid black; height: 10px; color: #ffffff; background-color: #ffffff; margin-left: auto; margin-right: auto;"><font style="font-size: 14pt;">UNITED STATES</font></div>
    <div style="text-align: center; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">Washington, DC 20549</div>
    <div>&#160;</div>
    <div style="text-align: center; font-size: 18pt; font-weight: bold;">FORM 10&#8209;K</div>
    <div>&#160;</div>
    <div>(Mark one)</div>
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          <td style="width: 27pt; vertical-align: top; align: right; font-weight: bold;">&#9746;</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-weight: bold;">ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>
          </td>
        </tr>

    </table>
    <div style="text-indent: 0pt; margin-left: 27pt;"> <br>
    </div>
    <div style="text-indent: 0pt; margin-left: 27pt;">For the fiscal year ended December 31, 2020</div>
    <div style="text-indent: 0pt; margin-left: 27pt;"> <br>
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        <tr>
          <td style="width: 27pt; vertical-align: top; align: right; font-weight: bold;">&#9744;</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-weight: bold;">TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>
          </td>
        </tr>

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    <div> <br>
    </div>
    <div style="text-align: center;">For the transition period from <u>&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; </u> to___________</div>
    <div>&#160;</div>
    <div style="text-align: center;">Commission file number <font style="font-weight: bold;">001&#8209;39043</font></div>
    <div>&#160;</div>
    <div style="text-align: center; font-size: 24pt; font-weight: bold;">BROADWAY FINANCIAL CORPORATION</div>
    <div style="text-align: center;">(Exact name of registrant as specified in its charter)</div>
    <div>&#160;</div>
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            <div style="text-align: center; font-weight: bold;">Delaware</div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">95&#8209;4547287</div>
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        <tr>
          <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center;">(State or other jurisdiction of incorporation or organization)</div>
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          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center;">(I.R.S. Employer Identification No.)</div>
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        <tr>
          <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">5055 Wilshire Boulevard, Suite 500</div>
            <div style="text-align: center; font-weight: bold;">Los Angeles, California</div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 49%; vertical-align: middle;">
            <div style="text-align: center; font-weight: bold;">90036</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center;">(Address of principal executive offices)</div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center;">(Zip Code)</div>
          </td>
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    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">(323) 634&#8209;1700</div>
    <div style="text-align: center;">(Registrant&#8217;s Telephone Number, Including Area Code)</div>
    <div>&#160;</div>
    <div style="text-align: center;">Securities registered under Section 12(b) of the Act:</div>
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            <div style="text-align: center;"><u>Title of each class:</u></div>
          </td>
          <td style="width: 30%; vertical-align: top;">
            <div style="text-align: center;"><u>Trading Symbol(s)</u></div>
          </td>
          <td style="width: 35%; vertical-align: bottom;">
            <div style="text-align: center;"><u>Name of each exchange on which registered:</u></div>
          </td>
        </tr>
        <tr>
          <td style="width: 35%; vertical-align: top;">
            <div style="text-align: center;">Common Stock, par value $0.01 per share</div>
            <div style="text-align: center;">(including attached preferred stock purchase rights)</div>
          </td>
          <td style="width: 30%; vertical-align: top;">
            <div style="text-align: center;">BYFC</div>
          </td>
          <td style="width: 35%; vertical-align: top;">
            <div style="text-align: center;">The Nasdaq Stock Market LLC</div>
          </td>
        </tr>

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    <div>&#160;</div>
    <div style="text-align: center;">Securities registered pursuant to Section 12(g) of the Act: None</div>
    <div style="text-align: center;"> <br>
    </div>
    <div style="text-align: justify;">Indicate by check mark if the registrant is a well&#8209;known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes &#9744; No &#9746;</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes &#9744; No &#9746;</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that
      the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes &#9746; No &#9744;</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S&#8209;T during the preceding 12 months (or for such shorter
      period that the registrant was required to submit such files). Yes &#9746; No &#9744;</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S&#8209;K is not contained herein, and will not be contained, to the best of the registrant&#8217;s knowledge, in definitive proxy or
      information statements incorporated by reference in Part III of this Form 10&#8209;K or any amendment to this Form 10&#8209;K. &#9746;</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non&#8209;accelerated, a smaller reporting company, or an emerging growth company. See the definition of &#8220;large accelerated
      filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company,&#8221; and &#8220;emerging growth company&#8221; in Rule 12b&#8209;2 of the Exchange Act.</div>
    <div>&#160;</div>
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          <td colspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
          <td style="width: 45%; vertical-align: top;">
            <div>Large accelerated filer &#9744;</div>
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          <td style="width: 50%; vertical-align: top;">
            <div>Accelerated filer &#9744;</div>
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        <tr>
          <td colspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
          <td style="width: 45%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td colspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
          <td style="width: 45%; vertical-align: top;">
            <div>Non&#8209;accelerated filer &#9746;</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div>Smaller reporting company &#9746;</div>
          </td>
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          <td colspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
          <td style="width: 45%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">
            <div>Emerging growth company &#9744;</div>
          </td>
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    <div>&#160;</div>
    <div style="text-align: justify;">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. &#9744;</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b&#8209;2 of the Exchange Act). Yes &#9744; No &#9746;</div>
    <div>&#160;</div>
    <div style="text-align: justify;">State the aggregate market value of the voting and non&#8209;voting common equity held by non&#8209;affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such
      common equity, as of the last business day of the registrant&#8217;s most recently completed second fiscal quarter: $54,555,000.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Indicate by check mark whether the registrant has filed a report on and attestation to its management&#8217;s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the
      Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.&#160; &#9744;</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="text-align: justify;">Indicate the number of shares outstanding of each of the registrant&#8217;s classes of common stock, as of the latest practicable date: As of March 26, 2021, 19,142,498 shares of the Registrant&#8217;s voting common stock and
      8,756,396 shares of the Registrant&#8217;s non&#8209;voting common stock were outstanding.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;">DOCUMENTS INCORPORATED BY REFERENCE</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Portions of the Registrant&#8217;s definitive proxy statement for its 2021 annual meeting of stockholders, which will be filed no later than April 30, 2021, are incorporated by reference in Part III, Items 10 through 14 of
      this report.</div>
    <div>&#160;<br>
      <div>
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    <div style="text-align: center; font-weight: bold;"><a name="TABLEOFCONTENTS"><!--Anchor--></a>TABLE OF CONTENTS</div>
    <div>&#160;</div>
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        <tr>
          <td style="vertical-align: top;" colspan="3" rowspan="1">
            <div style="text-indent: -10pt; margin-left: 10pt; font-weight: bold;">PART I</div>
          </td>
          <td style="width: 5%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Item 1.</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;"><a href="#ITEM1.">Business</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top;">
            <div style="font-weight: bold;">Item 2.</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM2.">Properties</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom;">
            <div style="text-align: right;">22</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Item 3.</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;"><a href="#ITEM3.">Legal Proceedings</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">23</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top;">
            <div style="font-weight: bold;">Item 4.</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM4.">Mine Safety Disclosure</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom;">
            <div style="text-align: right;">23</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3" rowspan="1">
            <div style="font-weight: bold;">PART II</div>
          </td>
          <td style="width: 5%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top;">
            <div style="font-weight: bold;">Item 5.</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM5.">Market for Registrant&#8217;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom;">
            <div style="text-align: right;">24</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Item 7.</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;"><a href="#ITEM7.">Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">25</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top;">
            <div style="font-weight: bold;">Item 8.</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM8.">Financial Statements and Supplementary Data</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom;">
            <div style="text-align: right;">35</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Item 9.</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;"><a href="#ITEM9.">Changes in and Disagreements with Accountants on Accounting and Financial Disclosure</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">35</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top;">
            <div style="font-weight: bold;">Item 9A.</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM9A.">Controls and Procedures</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom;">
            <div style="text-align: right;">35</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Item 9B.</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;"><a href="#ITEM9B.">Other Information</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">36</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top;" colspan="3" rowspan="1">
            <div style="font-weight: bold;">PART III</div>
          </td>
          <td style="width: 5%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Item 10.</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;"><a href="#ITEM10.">Directors, Executive Officers and Corporate Governance</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">37</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top;">
            <div style="font-weight: bold;">Item 11.</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM11.">Executive Compensation</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom;">
            <div style="text-align: right;">37</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Item 12.</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;"><a href="#ITEM12.">Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">37</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top;">
            <div style="font-weight: bold;">Item 13.</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM13.">Certain Relationships and Related Transactions, and Director Independence</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom;">
            <div style="text-align: right;">37</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Item 14.</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;"><a href="#ITEM14.">Principal Accountant Fees and Services</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">37</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top;" colspan="3" rowspan="1">
            <div style="font-weight: bold;">PART IV</div>
          </td>
          <td style="width: 5%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Item 15.</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;"><a href="#ITEM15.">Exhibits and Financial Statement Schedules</a></div>
          </td>
          <td style="width: 5%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">38</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top;" colspan="3" rowspan="1">
            <div style="font-weight: bold;"><a href="#SIGNATURES">Signatures</a></div>
          </td>
          <td style="width: 5%; vertical-align: top;">
            <div style="text-align: right;">41</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
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              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

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      </div>
    </div>
    <div style="text-align: justify; font-weight: bold;">Forward&#8209;Looking Statements</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Certain statements herein, including without limitation, certain matters discussed under &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; in Part II, Item 7 of this Form 10&#8209;K, are
      forward&#8209;looking statements, within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), and Section 27A of the Securities Act of 1933, as amended, that reflect our current views with respect to future
      events and financial performance. Forward&#8209;looking statements typically include the words &#8220;anticipate,&#8221; &#8220;believe,&#8221; &#8220;estimate,&#8221; &#8220;expect,&#8221; &#8220;project,&#8221; &#8220;plan,&#8221; &#8220;forecast,&#8221; &#8220;intend,&#8221; and other similar expressions. These forward&#8209;looking statements are
      subject to risks and uncertainties, including those identified below, which could cause actual future results to differ materially from historical results or from those anticipated or implied by such statements. Readers should not place undue
      reliance on these forward&#8209;looking statements, which speak only as of their dates or, if no date is provided, then as of the date of this Form 10&#8209;K. We undertake no obligation to update or revise any forward&#8209;looking statements, whether as a result of
      new information, future events or otherwise, except to the extent required by law.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following factors, among others, could cause future results to differ materially from historical results or from those anticipated by forward&#8209;looking statements included in this Form 10&#8209;K: (1) the level of demand
      for mortgage loans, which is affected by such external factors as general economic conditions, market interest rate levels, tax laws and the demographics of our lending markets; (2) the direction and magnitude of changes in interest rates and the
      relationship between market interest rates and the yield on our interest&#8209;earning assets and the cost of our interest&#8209;bearing liabilities; (3) the rate and amount of loan losses incurred and projected to be incurred by us, increases in the amounts of
      our nonperforming assets, the level of our loss reserves and management&#8217;s judgments regarding the collectability of loans; (4) changes in the regulation of lending and deposit operations or other regulatory actions, whether industry-wide or focused
      on our operations, including increases in capital requirements or directives to increase loan loss allowances or make other changes in our business operations; (5) legislative or regulatory changes, including those that may be implemented by the
      current Administration in Washington, D.C.; (6) actions undertaken by both current and potential new competitors; (7) the possibility of adverse trends in property values or economic trends in the residential and commercial real estate markets in
      which we compete; (8) the effect of changes in economic conditions; (9) the effect of geopolitical uncertainties; (10) an inability to obtain and retain sufficient operating cash at our holding company; (11) the pending discontinuation of LIBOR as an
      interest rate benchmark; (12) the impact of the COVID-19 Pandemic on our future financial condition and operations; (13) combining the Company and CFBanc Corporation after the merger described herein may be more difficult, costly or time consuming
      than expected and the combined company may fail to realize the anticipated benefits and cost savings from the merger;&#160; and (14) other risks and uncertainties detailed in this Form 10&#8209;K, including those described in Part II, Item 7 &#8220;Management&#8217;s
      Discussion and Analysis of Financial Condition and Results of Operations.&#8221;</div>
    <div>&#160;</div>
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      </div>
    </div>
    <!--PROfilePageNumberReset%Num%1%%%-->
    <div style="text-align: center; font-weight: bold;">PART I</div>
    <div>&#160;</div>
    <a name="ITEM1."><!--Anchor--></a>
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        <tr>
          <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 1.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-weight: bold;">BUSINESS</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">General</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Broadway Financial Corporation (the &#8220;Company&#8221;) was incorporated under Delaware law in 1995 for the purpose of acquiring and holding all of the outstanding capital stock of Broadway Federal Savings and Loan Association
      (&#8220;Broadway Federal&#8221; or the &#8220;Bank&#8221;) as part of the Bank&#8217;s conversion from a federally chartered mutual savings association to a federally chartered stock savings bank. In connection with the conversion, the Bank&#8217;s name was changed to Broadway Federal
      Bank, f.s.b. The conversion was completed, and the Bank became a wholly&#8209;owned subsidiary of the Company, in January 1996.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Company is currently regulated by the Board of Governors of the Federal Reserve System (&#8220;FRB&#8221;). The Bank is currently regulated by the Office of the Comptroller of the Currency (&#8220;OCC&#8221;) and the Federal Deposit
      Insurance Corporation (&#8220;FDIC&#8221;). The Bank&#8217;s deposits are insured up to applicable limits by the FDIC. The Bank is also a member of the Federal Home Loan Bank of San Francisco (&#8220;FHLB&#8221;). See &#8220;Regulation&#8221; for further descriptions of the regulatory
      systems to which the Company and the Bank are subject.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">On August 25, 2020, the Company entered into a definitive agreement to merge with CFBanc Corporation, a District of Columbia benefit corporation (&#8220;City First&#8221;).&#160; The Merger Agreement provides that, among other things
      and subject to the terms and conditions of the Merger Agreement, City First will merge with and into the Company (the &#8220;City First Merger&#8221;), with the Company continuing as the surviving entity. At the effective time of the City First Merger, (1) each
      share of City First&#8217;s Class A Common Stock, par value $0.50 per share, and Class B Common Stock, par value $0.50 per share, issued and outstanding immediately prior to the Effective Time (other than any shares owned by City First or the Company and
      any Dissenting Shares (as defined in the Merger Agreement)) will be converted into 13.626 validly issued, fully paid and nonassessable shares, respectively, of the voting common stock of the Company, par value $0.01 per share, which will be renamed
      Class A Common Stock, and a new class of non-voting common stock of the Company, par value $0.01 per share, which will be named Class B Common Stock, and (2) each share of Fixed Rate Cumulative Redeemable Perpetual Preferred Stock, Series B, par
      value $0.50 per share, of City First (&#8220;City First Preferred Stock&#8221;) issued and outstanding immediately prior to the effective time of the City First Merger will be converted into one validly issued, fully paid and non-assessable share of a new series
      of preferred stock of the Company, which new series will be designated as the Company&#8217;s Fixed Rate Cumulative Redeemable Perpetual Preferred Stock, Series A, with such rights, preferences, privileges and voting powers, and limitations and
      restrictions thereof, which taken as a whole, are not materially less favorable to the holders of City First Preferred Stock than the rights, preferences, privileges and voting powers, and limitations and restrictions thereof of City First Preferred
      Stock. Immediately following the City First Merger, the Bank will merge with and into City First Bank of D.C., National Association (&#8220;CFB&#8221;), a wholly owned subsidiary of City First, with CFB continuing as the surviving entity.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">On March 17, 2021, the stockholders of the Company and the stockholders of City First voted to approve the merger as described above. The Company previously announced on January 4, 2021 that all regulatory approvals
      necessary for consummation of the merger had been obtained.&#160; The merger is expected to close on April 1, 2021.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Also, on March 17, 2021, the Company&#8217;s stockholders approved the proposed sale of 18,474,000 shares of Broadway common stock in private placements to institutional and accredited investors at a purchase price of $1.78
      per share for an aggregate purchase price of $32.9 million. These&#160; private placements of common stock are expected to close a few days after the merger. At the same meeting, the Company&#8217;s stockholders also voted to approve an amendment to the
      Company&#8217;s certificate of incorporation to increase the Company&#8217;s authorized number of shares of voting common stock to 75,000,000 and to convert the Company to a &#8220;public benefit corporation&#8221; under Delaware law.&#160; Delaware law provides that a public
      benefit corporation is a for-profit corporation that is intended to produce a public benefit or benefits specified in its certificate of incorporation and to operate in a responsible and sustainable manner.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Available Information</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our internet website address is www.broadwayfederalbank.com. Our annual reports on Form 10&#8209;K, quarterly reports on Form 10&#8209;Q, current reports on Form 8&#8209;K and all amendments to those reports can be obtained free of
      charge by sending a written request to Broadway Financial Corporation, 5055 Wilshire Boulevard, Suite 500, Los Angeles, California 90036 Attention: Alice Wong. The above reports are available on our website as soon as reasonably practicable after we
      file such material with, or furnish such material to, the Securities and Exchange Commission (&#8220;SEC&#8221;).</div>
    <div>&#160;</div>
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    </div>
    <div style="text-align: justify; font-weight: bold;">Business Overview</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We are headquartered in Los Angeles, California and our principal business is the operation of our wholly&#8209;owned subsidiary, Broadway Federal, which has two offices in Los Angeles and one in the nearby city of
      Inglewood, California. Broadway Federal&#8217;s principal business consists of attracting deposits from the general public in the areas surrounding our branch offices and investing those deposits, together with funds generated from operations and
      borrowings, primarily in mortgage loans secured by residential properties with five or more units (&#8220;multi&#8209;family&#8221;) and commercial real estate.&#160; Our assets also include mortgage loans secured by residential properties with one&#8209;to&#8209;four units (&#8220;single
      family&#8221;) that we originated or purchased in prior years. In addition, we invest in securities issued by federal government agencies, residential mortgage&#8209;backed securities and other investments.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our revenue is derived primarily from interest income on loans and investments. Our principal costs are interest expenses that we incur on deposits and borrowings, together with general and administrative expenses. Our
      earnings are significantly affected by general economic and competitive conditions, particularly monetary trends and conditions, including changes in market interest rates and the differences in market interest rates for the interest bearing deposits
      and borrowings that are our principal funding sources and the interest yielding assets in which we invest, as well as government policies and actions of regulatory authorities.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The ongoing COVID-19 Pandemic (&#8220;Pandemic&#8221;) has caused significant disruption in the local,&#160; national&#160; and global economies and financial markets. Continuation and further spread of the Pandemic could cause additional
      quarantines, shutdowns, reduction in business activity and financial transactions, labor shortages, supply chain interruptions and overall economic and financial market instability. The Pandemic could&#160; disrupt our operations through its impact on our
      employees, depositors, borrowers, and the tenants of our multi-family loan borrowers. The disruptions in the&#160; economy may impair the ability of our borrowers to make their monthly loan payments, which could result in significant increases in
      delinquencies, defaults, foreclosures, declining collateral values, and losses on our loans.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Pandemic may also materially disrupt banking and other financial activity generally and in the Southern California area in which the Bank operates. This may result in a decline in customer demand for our products
      and services, including loans and deposits which could negatively impact our liquidity position and our growth strategy.&#160; Any one or more of these developments could have a material adverse effect on our business, operations, consolidated financial
      condition, and consolidated results of operations.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In response to the anticipated economic effects of the Pandemic, the FRB has taken a number of actions that have significantly affected the financial markets in the United States, including actions intended to result
      in substantial decreases in market interest rates. On March 3, 2020, the 10-year Treasury yield fell below 1.00% for the first time, and the Federal Reserve reduced the target federal funds rate by 50 basis points. On March 15, 2020, the Federal
      Reserve further reduced the target federal funds rate by 100 basis points and announced a $700 billion quantitative easing program in response to the expected economic downturn caused by the Pandemic. On March 22, 2020, the Federal Reserve announced
      that it would continue its quantitative easing program in amounts necessary to support the smooth functioning of markets for Treasury securities and agency mortgage-backed securities. We expect that these reductions in interest rates, among other
      actions of the FRB and the Federal government generally, especially if prolonged, could adversely affect our net interest income,&#160; margins and&#160; profitability.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Lending Activities</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">General</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our loan portfolio is comprised primarily of mortgage loans which are secured by multi&#8209;family residential properties, single family residential properties and commercial real estate, including churches. The remainder
      of the loan portfolio consists of commercial business loans, construction loans and consumer loans. At December 31, 2020, our net loan portfolio, excluding loans held for sale, totaled $360.1 million, or 75% of total assets.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We emphasize the origination of adjustable&#8209;rate mortgage loans (&#8220;ARM Loans&#8221;), most of which are hybrid ARM Loans (ARM Loans having an initial fixed rate period, followed by an adjustable rate period), for our portfolio
      of loans held for investment and held for sale. We originate these loans in order to maintain a high percentage of loans that have provisions for periodic repricing, thereby reducing our exposure to interest rate risk. At December 31, 2020, more than
      97.2% of our mortgage loans had adjustable rate features. However, most of our adjustable rate loans behave like fixed rate loans for periods of time because the loans may still be in their initial fixed&#8209;rate period or may be subject to interest rate
      floors. ARM Loans in their initial fixed&#8209;rate period totaled $293.3 million or 81.0% of our gross loan portfolio at December 31, 2020.</div>
    <div>&#160;</div>
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      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
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    </div>
    <div style="text-align: justify;">The types of loans that we originate are subject to federal laws and regulations. The interest rates that we charge on loans are affected by the demand for such loans, the supply of money available for lending purposes
      and the rates offered by competitors. These factors are in turn affected by, among other things, economic conditions, monetary policies of the federal government, including the FRB, and legislative tax policies.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following table details the composition of our portfolio of loans held for investment by type, dollar amount and percentage of loan portfolio at the dates indicated:</div>
    <div>&#160;</div>
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          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="38">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31,</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
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          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;"> 2020</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2019</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2018</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2017</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2016</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
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          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Percent</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">of total</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Percent</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">of total</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Percent</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
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              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Percent</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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            <div style="text-indent: -9pt; margin-left: 9pt;">Single family</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">48,217</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">13.32</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">72,883</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">18.23</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">91,835</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">25.69</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">111,085</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">32.93</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">104,807</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">27.42</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: top; width: 20%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Multi&#8209;family</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">272,387</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">75.24</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">287,378</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">71.90</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">231,870</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">64.86</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">187,455</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">55.57</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">229,566</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">60.05</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Commercial real estate</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">24,289</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">6.71</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">14,728</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">3.68</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">5,802</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">1.62</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">6,089</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">1.80</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">8,914</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">2.33</div>
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          <td valign="bottom" style="vertical-align: top; width: 20%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Church</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">16,658</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">4.60</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">21,301</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">5.33</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">25,934</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">7.25</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">30,848</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">9.14</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">37,826</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">9.90</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Construction</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">429</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">3,128</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.78</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1,876</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">1,678</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">837</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.22</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Commercial</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">57</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.02</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">262</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.07</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">226</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.06</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">192</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.06</div>
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            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">308</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.08</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Consumer</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>7</div>
              <div></div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>0.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>21</div>
              <div></div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
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              <div>0.01</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>%</div>
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          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>5</div>
              <div></div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>0.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>%</div>
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          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>7</div>
              <div></div>
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          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>0.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>%</div>
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          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>6</div>
              <div></div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>0.00</div>
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          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>%</div>
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          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 4px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Gross loans</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">362,044</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>100.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div>
              <div>%</div>
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          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">399,701</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>100.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div>
              <div>%</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">357,548</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>100.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div>
              <div>%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">337,354</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>100.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div>
              <div>%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">382,264</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px;" colspan="1">
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              <div>100.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div>
              <div>%</div>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Plus:</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Premiums on loans purchased</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">88</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">171</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">259</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">360</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">510</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Deferred loan costs, net</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1,218</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1,211</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">721</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1,220</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1,297</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Less:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Unamortized discounts</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">6</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">54</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">43</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">14</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">14</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Allowance for loan losses</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>3,215</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>3,182</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>2,929</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>4,069</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>4,603</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total loans held for investment</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>360,129</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>397,847</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>355,556</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>334,851</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>379,454</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Multi&#8209;Family and Commercial Real Estate Lending</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our primary lending emphasis has been on the origination of loans for apartment buildings with five or more units. These multi&#8209;family loans amounted to $272.4 million and $287.4 million at December 31, 2020 and 2019,
      respectively. Multi&#8209;family loans represented 75% of our gross loan portfolio at December 31, 2020 compared to 72% of our gross loan portfolio at December 31, 2019. The vast majority of our multi&#8209;family loans amortize over 30 years. As of December 31,
      2020, our single largest multi&#8209;family credit had an outstanding balance of $6.9 million, was current, and was secured by a 33&#8209;unit apartment complex in Vista, California. At December 31, 2020, the average balance of a loan in our multi&#8209;family
      portfolio was $1.0 million.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our commercial real estate loans amounted to $24.3 million and $14.7 million at December 31, 2020 and 2019, respectively. Commercial real estate loans represented 7% and 4% of our gross loan portfolios at December 31,
      2020 and 2019, respectively. All the commercial real estate loans outstanding at December 31, 2020 were ARM Loans. Most commercial real estate loans are originated with principal repayments on a 30 year amortization schedule but are due in 10 years.
      As of December 31, 2020, our single largest commercial real estate credit had an outstanding principal balance of $5.7 million, was current, and was secured by a charter school building located in Washington, D. C. At December 31, 2020, the average
      balance of a loan in our commercial real estate portfolio was $1.4 million.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The interest rates on multi&#8209;family and commercial ARM Loans are based on a variety of indices, including the 6&#8209;Month London InterBank Offered Rate Index (&#8220;6&#8209;Month LIBOR&#8221;), the 1&#8209;Year Constant Maturity Treasury Index
      (&#8220;1&#8209;Yr CMT&#8221;), the 12&#8209;Month Treasury Average Index (&#8220;12&#8209;MTA&#8221;), the 11th District Cost of Funds Index (&#8220;COFI&#8221;), and the Wall Street Journal Prime Rate (&#8220;Prime Rate&#8221;). We currently offer adjustable rate loans with interest rates that adjust either
      semi&#8209;annually or semi&#8209;annually upon expiration of an initial three&#8209; or five&#8209;year fixed rate period. Borrowers are required to make monthly payments under the terms of such loans.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
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        </table>
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    <div style="text-align: justify;">Loans secured by multi&#8209;family and commercial properties are granted based on the income producing potential of the property and the financial strength of the borrower. The primary factors considered include, among
      other things, the net operating income of the mortgaged premises before debt service and depreciation, the debt service coverage ratio (the ratio of net operating income to required principal and interest payments, or debt service), and the ratio of
      the loan amount to the lower of the purchase price or the appraised value of the collateral.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We seek to mitigate the risks associated with multi&#8209;family and commercial real estate loans by applying appropriate underwriting requirements, which include limitations on loan&#8209;to&#8209;value ratios and debt service coverage
      ratios. Under our underwriting policies, loan&#8209;to&#8209;value ratios on our multi&#8209;family and commercial real estate loans usually do not exceed 75% of the lower of the purchase price or the appraised value of the underlying property. We also generally
      require minimum debt service coverage ratios of 120% for multi&#8209;family loans and 125% for commercial real estate loans. Properties securing multi&#8209;family and commercial real estate loans are appraised by management&#8209;approved independent appraisers.
      Title insurance is required on all loans.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Multi&#8209;family and commercial real estate loans are generally viewed as exposing the lender to a greater risk of loss than single family residential loans and typically involve higher loan principal amounts than loans
      secured by single family residential real estate. Because payments on loans secured by multi&#8209;family and commercial real properties are often dependent on the successful operation or management of the properties, repayment of such loans may be subject
      to adverse conditions in the real estate market or general economy. Adverse economic conditions in our primary lending market area could result in reduced cash flows on multi&#8209;family and commercial real estate loans, vacancies and reduced rental rates
      on such properties. We seek to reduce these risks by originating such loans on a selective basis and generally restrict such loans to our general market area. In 2008, we ceased out&#8209;of&#8209;state lending for all types of loans.&#160; In 2020, we resumed
      out-of-state lending on a selective basis by originating two commercial real estate loans in Washington, D. C., totaling $9.8 million.&#160; As of December 31, 2020, our out&#8209;of&#8209;state loans totaled $11.0 million and our single largest out&#8209;of&#8209;state credit
      had an outstanding balance of $5.7 million, was current, and was secured by a charter school building located in Washington, D. C.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our church loans totaled $16.7 million and $21.3 million at December 31, 2020 and 2019, respectively, which represented 5% of our gross loan portfolio at December 31, 2020, and December 31, 2019. We ceased originating
      church loans in 2010. As of December 31, 2020, our single largest church loan had an outstanding balance of $1.5 million, was current, and was secured by a church building in Los Angles, California. At December 31, 2020, the average balance of a loan
      in our church loan portfolio was $527 thousand.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Single Family Mortgage Lending</div>
    <div>&#160;</div>
    <div style="text-align: justify;">While we have been primarily a multi&#8209;family and commercial real estate lender, we also have purchased or originated ARM Loans secured by single family residential properties, including investor&#8209;owned properties, with
      maturities of up to 30 years. Single family loans totaled $48.2 million and $72.9 million at December 31, 2020 and 2019, respectively. Of the single family residential mortgage loans outstanding at December 31, 2020, more than 99% had adjustable rate
      features. We did not purchase any single family loans during 2020 and 2019. Of the $48.2 million of single family loans at December 31, 2020, $5.8 million are secured by investor&#8209;owned properties.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The interest rates for our single family ARM Loans are indexed to COFI, 1&#8209;Month LIBOR, 6&#8209;Month LIBOR, 12&#8209;MTA and 1&#8209;Yr. CMT. We currently offer loans with interest rates that adjust either semi&#8209;annually or semi&#8209;annually
      upon expiration of an initial three&#8209; or five&#8209;year fixed rate period. Borrowers are required to make monthly payments under the terms of such loans.&#160; Most of our single family adjustable rate loans behave like fixed rate loans because the loans are
      still in their initial fixed rate period or are subject to interest rate floors.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We qualify our ARM Loan borrowers based upon the fully indexed interest rate (LIBOR or other index plus an applicable margin) provided by the terms of the loan. However, we may discount the initial rate paid by the
      borrower to adjust for market and other competitive factors. The ARM Loans that we offer have a lifetime adjustment limit that is set at the time that the loan is approved. In addition, because of interest rate caps and floors, market rates may
      exceed or go below the respective maximum or minimum rates payable on our ARM Loans.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The mortgage loans that we originate generally include due&#8209;on&#8209;sale clauses, which provide us with the contractual right to declare the loan immediately due and payable if the borrower transfers ownership of the
      property.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Construction Lending</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Construction loans totaled $429 thousand and $3.1 million at December 31, 2020 and 2019, respectively, representing less than 1% of our gross loan portfolio. We provide loans for the construction of single family,
      multi&#8209;family and commercial real estate projects and for land development. We generally make construction and land loans at variable interest rates based upon the Prime Rate. Generally, we require a loan&#8209;to&#8209;value ratio not exceeding 75% to 80% and a
      loan&#8209;to&#8209;cost ratio not exceeding 70% to 80% on construction loans.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Construction loans involve risks that are different from those for completed project lending because we advance loan funds based upon the security and estimated value at completion of the project under construction. If
      the borrower defaults on the loan, we may have to advance additional funds to finance the project&#8217;s completion before the project can be sold. Moreover, construction projects are affected by uncertainties inherent in estimating construction costs,
      potential delays in construction schedules, market demand and the accuracy of estimates of the value of the completed project considered in the loan approval process. In addition, construction projects can be risky as they transition to completion
      and lease&#8209;up. Tenants who may have been interested in leasing a unit or apartment may not be able to afford the space when the building is completed, or may fail to lease the space for other reasons such as more attractive terms offered by competing
      lessors, making it difficult for the building to generate enough cash flow for the owner to obtain permanent financing. During 2020, $1.5 million of construction loans were originated, compared to $1.7 million during 2019.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Loan Originations, Purchases and Sales</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following table summarizes loan originations, purchases, sales and principal repayments for the periods indicated:</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z58b1f0c955c846e28c134091539de722">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;"> 2020</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2019</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2018</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="10">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Gross loans (1):</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Beginning balance</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">399,701</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">363,761</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">359,686</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Loans originated:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Multi&#8209;family</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">120,809</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">103,123</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">96,034</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Commercial Real Estate</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">11,870</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">9,521</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">1,017</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Construction</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1,529</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1,681</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1,861</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Commercial</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>66</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>49</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>48</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 27pt;">Total loans originated</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>134,274</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>114,374</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>98,960</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Less:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Principal repayments</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">67,858</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">55,742</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">75,542</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Sales of loans</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">104,073</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">22,703</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">19,332</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Loan charge&#8209;offs</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Lower of cost or fair value adjustment on loans held for sale</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">(11</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">)</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">11</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Transfer of loans to real estate owned</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>-</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; padding-bottom: 4px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Ending balance (2)</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>362,044</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>399,701</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>363,761</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
        </tr>

    </table>
    <br>
    <hr noshade="noshade" align="left" style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px auto 0px 0px; height: 2px; width: 5%; color: #000000;">
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        <tr>
          <td style="width: 36pt; vertical-align: top; align: right;">(1)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">Amount is before deferred origination costs, purchase premiums and discounts.</td>
        </tr>

    </table>
    <div> <br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z635c3b13fcf142b0b2b7aa51ee9f8e9d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt; vertical-align: top; align: right;">(2)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>No loans were held for sale at December 31, 2020 and 2019.&#160; At December 31, 2018, loans receivable held for sale totaled $6.2 million.</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">Loan originations are derived from various sources including our loan personnel, local mortgage brokers, and referrals from customers. More than 90% of multi-family and commercial loan originations during 2020, 2019
      and 2018 were&#160; sourced from wholesale loan brokers. All construction loan originations were derived from our loan personnel. No single family or consumer loans were originated during the last three years. For all loans that we originate, upon receipt
      of a loan application from a prospective borrower, a credit report is ordered, and certain other information is verified by an independent credit agency and, if necessary, additional financial information is requested. An appraisal of the real estate
      intended to secure the proposed loan is required to be performed by an independent licensed or certified appraiser designated and approved by us. The Bank&#8217;s Board of Directors (the &#8220;Board&#8221;) annually reviews our appraisal policy. Management reviews
      annually the qualifications and performance of independent appraisers that we use.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">It is our policy to obtain title insurance on collateral for all real estate loans. Borrowers must also obtain hazard insurance naming Broadway Federal as a loss payee prior to loan closing. If the original loan amount
      exceeds 80% on a sale or refinance of a first trust deed loan, we may require private mortgage insurance and the borrower is required to make payments to a mortgage impound account from which we make disbursements to pay private mortgage insurance
      premiums, property taxes and hazard and flood insurance as required.</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">5</font></div>
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        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
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            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify;">The Board has authorized the following loan approval limits: if the total of the borrower&#8217;s existing loans and the loan under consideration is $1,000,000 or less, the new loan may be approved by a Senior Underwriter
      plus a Loan Committee member, including the Chief Executive Officer or Chief Credit Officer of the Bank; if the total of the borrower&#8217;s existing loans and the loan under consideration is from $1,000,001 to $2,000,000, the new loan must be approved by
      a Senior Underwriter plus two Loan Committee members, including the Chief Executive Officer or Chief Credit Officer of the Bank; if the total of the borrower&#8217;s existing loans and the loan under consideration is from $2,000,001 to $7,000,000, the new
      loan must be approved by a Senior Underwriter plus two Loan Committee members, including the Chief Executive Officer and Chief Credit Officer of the Bank, and a majority of the Board&#8209;appointed non&#8209;management Loan Committee Directors. In addition, it
      is our practice that all loans approved be reported to the Loan Committee no later than the month following their approval and be ratified by the Board.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">From time to time, we purchase loans originated by other institutions based upon our investment needs and market opportunities. The determination to purchase specific loans or pools of loans is subject to our
      underwriting policies, which consider, among other factors, the financial condition of the borrowers, the location of the underlying collateral properties and the appraised value of the collateral properties. We did not purchase any loans during the
      years ended December 31, 2020, 2019 or 2018.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We originate loans for investment and for sale. Loan sales are generally made from the loans held&#8209;for&#8209;sale portfolio. During 2020, we originated $118.6 million of multi&#8209;family loans for sale, sold $104.3 million of
      multi&#8209;family loans and transferred $13.7 million of multi family loans to held for investment from loans held for sale. We transferred the $13.7 milion of multi-family loans to loans held for investment near the end of 2020 because there was room to
      do so within the regulatory loan concentration guidelines. During 2019, we originated $15.2 million of multi&#8209;family loans for sale, transferred $1.5 million of multi&#8209;family loans to held&#8209;for&#8209;sale from held&#8209;for&#8209;investment and sold $22.7 million of
      multi&#8209;family loans in order to comply with regulatory loan concentration guidelines.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We receive monthly loan servicing fees on loans sold and serviced for others, primarily insured financial institutions. Generally, we collect these fees by retaining a portion of the loan collections in an amount equal
      to an agreed percentage of the monthly loan installments, plus late charges and certain other fees paid by the borrowers. Loan servicing activities include monthly loan payment collection, monitoring of insurance and tax payment status, responses to
      borrower information requests and dealing with loan delinquencies and defaults, including conducting loan foreclosures. At December 31, 2020 and 2019, we serviced $238 thousand and $1.2 million, respectively, of loans for others. The servicing rights
      associated with sold loans are recorded as assets based upon their fair values. At December 31, 2020 and 2019, we had $3 thousand and $9 thousand, respectively, in mortgage servicing rights.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Loan Maturity and Repricing</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following table shows the contractual maturities of loans in our portfolio of loans held for investment at December 31, 2020 and does not reflect the effect of prepayments or scheduled principal amortization.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z899e1e19080840cf85ad79f376db0537">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Single</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">family</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Multi&#8209;</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">family</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Commercial</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">real estate</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Church</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Construction</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Commercial</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Consumer</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Gross</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">loans</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">receivable</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="30">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Amounts Due:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 18pt;">After one year:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 27pt;">One year to five years</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1,210</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">11,175</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">14,642</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">27,027</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 27pt;">After five years</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>47,006</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>272,387</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>12,688</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>116</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>-</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>9</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>332,206</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 36pt;">Total due after one year</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">48,216</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">272,387</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">23,863</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">14,758</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">359,233</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 18pt;">One year or less</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>1</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>-</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>426</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>1,900</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>429</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>48</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>7</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>2,811</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Total</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>48,217</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>272,387</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>24,289</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>16,658</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>429</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>57</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>7</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>362,044</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">Loans in their initial fixed rate period totaled $293.3 million or 81% of our loan portfolio at December 31, 2020. The average remaining initial fixed rate period as of December 31, 2020 was 2.3 years.</div>
    <div>&#160;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">6</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify; font-weight: bold;">Asset Quality</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">General</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The underlying credit quality of our loan portfolio is dependent primarily on each borrower&#8217;s ability to continue to make required loan payments and, in the event a borrower is unable to continue to do so, the value of
      the collateral securing the loan, if any. A borrower&#8217;s ability to pay typically is dependent, in the case of single family residential loans and consumer loans, primarily on employment and other sources of income, and in the case of multi&#8209;family and
      commercial real estate loans, on the cash flow generated by the property, which in turn is impacted by general economic conditions. Other factors, such as unanticipated expenditures or changes in the financial markets, may also impact a borrower&#8217;s
      ability to make loan payments. Collateral values, particularly real estate values, are also impacted by a variety of factors, including general economic conditions, demographics, property maintenance and collection or foreclosure delays.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Delinquencies</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We perform a weekly review of all delinquent loans and a monthly loan delinquency report is made to the Internal Asset Review Committee of the Board of Directors. When a borrower fails to make a required payment on a
      loan, we take several steps to induce the borrower to cure the delinquency and restore the loan to current status. The procedures we follow with respect to delinquencies vary depending on the type of loan, the type of property securing the loan, and
      the period of delinquency. In the case of residential mortgage loans, we generally send the borrower a written notice of non&#8209;payment promptly after the loan becomes past due. In the event payment is not received promptly thereafter, additional
      letters are sent, and telephone calls are made. If the loan is still not brought current and it becomes necessary for us to take legal action, we generally commence foreclosure proceedings on all real property securing the loan. In the case of
      commercial real estate loans, we generally contact the borrower by telephone and send a written notice of intent to foreclose upon expiration of the applicable grace period. Decisions not to commence foreclosure upon expiration of the notice of
      intent to foreclose for commercial real estate loans are made on a case&#8209;by&#8209;case basis. We may consider loan workout arrangements with commercial real estate borrowers in certain circumstances.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following table shows our loan delinquencies by type and amount at the dates indicated:</div>
    <div>&#160;</div>
    <div>
      <table cellspacing="0" cellpadding="0" border="0" id="z6d6ef21677724fca9a33fff6b8f00209" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 7%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="13" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">December 31, 2020</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="11" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">December 31, 2019</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="15" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">December 31, 2018</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 7%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="13" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Loans delinquent</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="11" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Loans delinquent</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="15" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Loans delinquent</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 7%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">60&#8209;89 Days</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">90 days or more</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">60&#8209;89 Days</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="4" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">90 days or more</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">60&#8209;89 Days</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="8" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">90 days or more</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 7%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Number</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Amount</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 2%;">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Number</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="4" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Amount</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Number</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Amount</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Number</div>
            </td>
            <td valign="bottom" colspan="3" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Amount</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Number</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Amount</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 2%;">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Number</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Amount</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 7%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="41" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">(Dollars in thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 7%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Single family</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;amp;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;amp;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;amp;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 2%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; text-align: right; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 2%;">&#8209;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 5%;">
              <div style="font-family: &#38;amp;">1</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;amp;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;amp;">18</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: middle; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">
              <div><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: middle; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 2%;">$ <br>
            </td>
            <td valign="bottom" style="vertical-align: middle; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%; text-align: right;">&#8209;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;amp;">1</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;amp;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;amp;">35</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: middle; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 2%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;amp;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;amp;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; padding-bottom: 4px; width: 7%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Total</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); width: 1%;">
              <div style="font-family: &#38;amp;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); width: 6%;">
              <div style="font-family: &#38;amp;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; border-bottom: 4px double rgb(0, 0, 0); width: 2%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); width: 1%;">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; text-align: right; border-bottom: 4px double rgb(0, 0, 0); width: 2%;">&#8209;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); width: 5%;">
              <div style="font-family: &#38;amp;">1</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); width: 1%;">
              <div style="font-family: &#38;amp;">$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); width: 6%;">
              <div style="font-family: &#38;amp;">18</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; border-bottom: 4px double rgb(0, 0, 0); width: 1%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
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            <td valign="bottom" style="vertical-align: middle; width: 1%; padding-bottom: 4px;">
              <div><br>
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            <td valign="bottom" style="vertical-align: middle; border-bottom: 4px double rgb(0, 0, 0); width: 2%;">$</td>
            <td valign="bottom" style="vertical-align: middle; border-bottom: 4px double rgb(0, 0, 0); width: 1%; text-align: right;">&#8209;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); width: 6%;">
              <div style="font-family: &#38;amp;">1</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); width: 1%;">
              <div style="font-family: &#38;amp;">$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); width: 6%;">
              <div style="font-family: &#38;amp;">35</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: middle; border-bottom: 4px double rgb(0, 0, 0); width: 2%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); width: 1%;">
              <div style="font-family: &#38;amp;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: middle; text-align: right; border-bottom: 4px double rgb(0, 0, 0);">&#8209;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 4px; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: middle; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">% of Gross Loans (1)</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;amp;">0.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;amp;">%</div>
            </td>
            <td valign="bottom" style="vertical-align: middle; width: 2%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; width: 2%; background-color: rgb(204, 238, 255);">&#160;&#160;&#160;0.00% <br>
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            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;amp;">0.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;amp;">%</div>
            </td>
            <td valign="bottom" style="vertical-align: middle; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="3" style="vertical-align: middle; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;amp;">&#160;&#160;0.00%</div>
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            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;amp;">0.01</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;amp;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: middle; width: 2%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;amp;">0.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;amp;">%</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <hr noshade="noshade" align="left" style="height: 2px; width: 5%; color: #000000; background-color: #000000; margin-left: 0px; margin-right: auto; border: none;">
    <table cellspacing="0" cellpadding="0" id="zcb7a5cfbde2e43afb5895cca72765942" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt; vertical-align: top; align: right;">(1)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Includes loans receivable held for sale at December 31, 2018.</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Non&#8209;Performing Assets</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Non&#8209;performing assets (&#8220;NPAs&#8221;) include non&#8209;accrual loans and real estate owned through foreclosure or deed in lieu of foreclosure (&#8220;REO&#8221;). NPAs at December 31, 2020 increased to $787 thousand, or 0.16% of total assets,
      from $424 thousand, or 0.10% of total assets, at December 31, 2019.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Non-accrual loans consist of delinquent loans that are 90 days or more past due and other loans, including troubled debt restructurings (&#8220;TDRs&#8221;) that do not qualify for accrual status. As of December 31, 2020, all our
      non&#8209;accrual loans were current in their payments, but were treated as non&#8209;accrual primarily because of deficiencies in non&#8209;payment matters related to the borrowers, such as lack of current financial information. The $363 thousand increase in
      non&#8209;accrual loans during the year ended December 31, 2020 was due to a downgrade of $554 thousand of a church loan to non&#8209;accrual status offset by a sale of $130 thousand of a church loan and repayments of $61 thousand.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following table provides information regarding our non&#8209;performing assets at the dates indicated:</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z2fe003048f3c43148af62aef9d60e9d1">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="18">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31,</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;"> 2020</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2019</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2018</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2017</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2016</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="18">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(Dollars in thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Non&#8209;accrual loans:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Single family</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">18</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Multi&#8209;family</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Commercial real estate</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Church</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">786</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">406</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">911</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">1,766</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">2,944</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Commercial</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%;">
            <div style="text-indent: -9pt; margin-left: 27pt;">Total non&#8209;accrual loans</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">787</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">424</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">911</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">1,766</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">2,944</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Loans delinquent 90 days or more and still accruing</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Real estate owned acquired through foreclosure</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>-</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>-</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>833</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>878</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Total non&#8209;performing assets</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>787</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>424</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>1,744</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>2,644</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>2,944</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Non&#8209;accrual loans as a percentage of gross loans, including loans receivable held for sale</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">0.22</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">0.11</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">0.25</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">0.49</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">0.77</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Non&#8209;performing assets as a percentage of total assets</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.16</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.10</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.43</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.64</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.69</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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        </tr>

    </table>
    <div>&#160;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">7</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify;">There were no accrual loans that were contractually past due by 90 days or more at December 31, 2020 or 2019. We had no commitments to lend additional funds to borrowers whose loans were on non&#8209;accrual status at
      December 31, 2020.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We discontinue accruing interest on loans when the loans become 90 days delinquent as to their payment due date (missed three payments). In addition, we reverse all previously accrued and uncollected interest for those
      loans through a charge to interest income. While loans are in non&#8209;accrual status, interest received on such loans is credited to principal, until the loans qualify for return to accrual status. Loans are returned to accrual status when all the
      principal and interest amounts contractually due are brought current and future payments are reasonably assured.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We may agree to modify the contractual terms of a borrower&#8217;s loan. In cases where such modifications represent a concession to a borrower experiencing financial difficulty, the modification is considered a TDR.
      Non&#8209;accrual loans modified in a TDR remain on non&#8209;accrual status until we determine that future collection of principal and interest is reasonably assured, which requires that the borrower demonstrate performance according to the restructured terms,
      generally for a period of at least six months. Loans modified in a TDR that are included in non&#8209;accrual loans totaled $232 thousand at December 31, 2020 and $406 thousand at December 31, 2019. Excluded from non&#8209;accrual loans are restructured loans
      that were not delinquent at the time of modification or loans that have complied with the terms of their restructured agreement for six months or such longer period as management deems appropriate for particular loans, and therefore have been
      returned to accruing status. Restructured accruing loans totaled $4.2 million at December 31, 2020 and $4.7 million at December 31, 2019.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">During 2020, gross interest income that would have been recorded on non&#8209;accrual loans had they performed in accordance with their original terms, totaled $39 thousand. Actual interest recognized on non&#8209;accrual loans
      and included in net income for the year 2020 was $162 thousand, reflecting interest recoveries on non&#8209;accrual loans that were paid off.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We update our estimates of collateral value on loans when they become 90 days past due and to the extent the loans remain delinquent, every nine months thereafter. We obtain updated estimates of collateral value
      earlier than at 90 days past due for loans to borrowers who have filed for bankruptcy or for certain other loans when our Internal Asset Review Committee believes repayment of such loans may be dependent on the value of the underlying collateral. For
      single family loans, updated estimates of collateral value are obtained through appraisals and automated valuation models. For multi&#8209;family and commercial real estate properties, we estimate collateral value through appraisals or internal cash flow
      analyses when current financial information is available, coupled with, in most cases, an inspection of the property. Our policy is to make a charge against our allowance for loan losses, and correspondingly reduce the book value of a loan, to the
      extent that the collateral value of the property securing a loan is less than our recorded investment in the loan. See &#8220;Allowance for Loan Losses&#8221; for full discussion of the allowance for loan losses.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">REO is real estate acquired as a result of foreclosure or by deed in lieu of foreclosure and is carried at fair value less estimated selling costs. Any excess of carrying value over fair value at the time of
      acquisition is charged to the allowance for loan losses. Thereafter, we charge non&#8209;interest expense for the property maintenance and protection expenses incurred as a result of owning the property. Any decreases in the property&#8217;s estimated fair value
      after foreclosure are recorded in a separate allowance for losses on REO. During 2020 and 2019, the Bank did not foreclose on any loans. At December 31, 2018, the Bank had one REO which was sold during 2019.</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">8</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Classification of Assets</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Federal regulations and our internal policies require that we utilize an asset classification system as a means of monitoring and reporting problem and potential problem assets. We have incorporated asset
      classifications as a part of our credit monitoring system and thus classify potential problem assets as &#8220;Watch&#8221; and &#8220;Special Mention,&#8221; and problem assets as &#8220;Substandard,&#8221; &#8220;Doubtful&#8221; or &#8220;Loss&#8221;. An asset is considered &#8220;Watch&#8221; if the loan is current
      but temporarily presents higher than average risk and warrants greater than routine attention and monitoring. An asset is considered &#8220;Special Mention&#8221; if the loan is current but there are some potential weaknesses that deserve management&#8217;s close
      attention. An asset is considered &#8220;Substandard&#8221; if it is inadequately protected by the current net worth and paying capacity of the obligor or the collateral pledged, if any. &#8220;Substandard&#8221; assets include those characterized by the &#8220;distinct
      possibility&#8221; that the insured institution will sustain &#8220;some loss&#8221; if the deficiencies are not corrected. Assets classified as &#8220;Doubtful&#8221; have all the weaknesses inherent in those classified &#8220;Substandard&#8221; with the added characteristic that the
      weaknesses make &#8220;collection or liquidation in full,&#8221; on the basis of currently existing facts, conditions, and values, &#8220;highly questionable and improbable.&#8221; Assets classified as &#8220;Loss&#8221; are those considered &#8220;uncollectible&#8221; and of such little value
      that their continuance as assets without the establishment of a specific loss allowance is not warranted. Assets which do not currently expose us to sufficient risk to warrant classification in one of the aforementioned categories, but that are
      considered to possess some weaknesses, are designated &#8220;Special Mention.&#8221; Our Internal Asset Review Department reviews and classifies our assets and independently reports the results of its reviews to the Internal Asset Review Committee of our Board
      of Directors monthly.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following table provides information regarding our criticized loans (Watch and Special Mention) and classified assets (Substandard and REO) at the dates indicated:</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" align="center" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;" id="z7e07356f02b14739931e8dcb3f0f375c">

        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 42%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31, 2020</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31, 2019</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 42%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Number</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Number</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 42%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="14">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(Dollars in thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 42%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Watch loans</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">2,145</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">822</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Special mention loans</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Total criticized loans</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">2,145</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">822</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 42%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Substandard loans</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">3,162</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">11</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">4,153</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">REO</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Total classified assets</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">3,162</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">11</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">4,153</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Total</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">11</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">5,307</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">13</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">4,975</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">Criticized assets increased to $2.1 million at December 31, 2020, from $822 thousand at December 31, 2019, primarily due to a downgrade of $1.5 million on a commercial real estate loan from the pass loan category to
      Watch status and an upgrade of $657 thousand on a church loan from substandard status, offset by $822 thousand payoffs of all criticized loans carried from December 31, 2019. Classified assets decreased to $3.1 million at December 31, 2020, from $4.2
      million at December 31, 2019, primarily due to an upgrade of a church loan to Watch status and loan payoffs.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Allowance for Loan Losses</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In originating loans, we recognize that losses may be experienced on loans and that the risk of loss may vary as a result of many factors, including the type of loan being made, the creditworthiness of the borrower,
      general economic conditions and, in the case of a secured loan, the quality of the collateral for the loan. We are required to maintain an adequate allowance for loan and lease losses (&#8220;ALLL&#8221;) in accordance with U.S. Generally Accepted Accounting
      Principles (&#8220;GAAP&#8221;). The ALLL represents our management&#8217;s best estimate of probable incurred credit losses in our loan portfolio as of the date of the consolidated financial statements. Our ALLL is intended to cover specifically identifiable loan
      losses, as well as estimated losses inherent in our portfolio for which certain losses are probable, but not specifically identifiable. There can be no assurance, however, that actual losses incurred will not exceed the amount of management&#8217;s
      estimates.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our Internal Asset Review Department issues reports to the Board of Directors and continually reviews loan quality. This analysis includes a detailed review of the classification and categorization of problem loans,
      potential problem loans and loans to be charged off, an assessment of the overall quality and collectability of the portfolio, and concentration of credit risk. Management then evaluates the allowance, determines its appropriate level and the need
      for additional provisions, and presents its analysis to the Board of Directors which ultimately reviews management&#8217;s recommendation and, if deemed appropriate, then approves such recommendation.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The ALLL is increased by provisions for loan losses which are charged to earnings and is decreased by recaptures of loan loss provision and charge&#8209;offs, net of recoveries. Provisions are recorded to increase the ALLL
      to the level deemed appropriate by management. The Bank utilizes an allowance methodology that considers a number of quantitative and qualitative factors, including the amount of non&#8209;performing loans, our loan loss experience, conditions in the
      general real estate and housing markets, current economic conditions and trends, particularly levels of unemployment, and changes in the size of the loan portfolio.</div>
    <div style="text-align: justify;"><br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">9</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify;">The ALLL consists of specific and general components. The specific component relates to loans that are individually classified as impaired.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">A loan is considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect the scheduled payments of principal or interest when due according to the contractual
      terms of the loan agreement. Loans for which the terms have been modified, and for which the borrower is experiencing financial difficulties, are considered TDRs and classified as impaired. Factors considered by management in determining impairment
      include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.
      Management determines the significance of payment delays and payment shortfalls on a case&#8209;by&#8209;case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the
      delay, the borrower&#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">If a loan is impaired, a portion of the allowance is allocated to the loan so that the loan is reported, net, at the present value of estimated future cash flows using the loan&#8217;s existing rate or at the fair value of
      collateral if repayment is expected solely from the collateral. TDRs are separately identified for impairment and are measured at the present value of estimated future cash flows using the loan&#8217;s effective rate at inception. If a TDR is considered to
      be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral less estimated selling costs. For TDRs that subsequently default, we determine the amount of any necessary additional charge&#8209;off based on internal analyses
      and appraisals of the underlying collateral securing these loans. At December 31, 2020, impaired loans totaled $4.7 million and had an aggregate specific allowance allocation of $141 thousand.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The general component of the ALLL covers non&#8209;impaired loans and is based on historical loss experience adjusted for qualitative factors. Each month, we prepare an analysis which categorizes the entire loan portfolio by
      certain risk characteristics such as loan type (single family, multi&#8209;family, commercial real estate, construction, commercial and consumer) and loan classification (pass, watch, special mention, substandard and doubtful). With the use of a migration
      to loss analysis, we calculate our historical loss rate and assign estimated loss factors to the loan classification categories based on our assessment of the potential risk inherent in each loan type. These factors are periodically reviewed for
      appropriateness giving consideration to our historical loss experience, levels of and trends in delinquencies and impaired loans; levels of and trends in charge&#8209;offs and recoveries; trends in volume and terms of loans; effects of any changes in risk
      selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions;
      and effects of changes in credit concentrations.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In addition to loss experience and environmental factors, we use qualitative analyses to determine the adequacy of our ALLL. This analysis includes ratio analysis to evaluate the overall measurement of the ALLL and
      comparison of peer group reserve percentages. The qualitative review is used to reassess the overall determination of the ALLL and to ensure that directional changes in the ALLL and the provision for loan losses are supported by relevant internal and
      external data.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Based on our evaluation of the housing and real estate markets and overall economy, including the unemployment rate, the levels and composition of our loan delinquencies and non&#8209;performing loans (no forebearances and
      no modifictions formally requested by the borrowers), our loss history and the size and composition of our loan portfolio, we determined that an ALLL of $3.2 million, or 0.88% of loans held for investment was appropriate at December 31, 2020,
      compared to $3.2 million, or 0.79% of loans held for investment at December 31, 2019. The increase in ALLL compared to the prior year was primarily due to uncertainty related to the COVID-19 Pandemic.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">A federally chartered savings association&#8217;s determination as to the classification of its assets and the amount of its valuation allowances is subject to review by the OCC. The OCC, in conjunction with the other
      federal banking agencies, provides guidance for financial institutions on the responsibilities of management for the assessment and establishment of adequate valuation allowances, as well as guidance for banking agency examiners to use in determining
      the adequacy of valuation allowances. It is required that all institutions have effective systems and controls to identify, monitor and address asset quality problems, analyze all significant factors that affect the collectability of the portfolio in
      a reasonable manner and establish acceptable allowance evaluation processes that meet the objectives of the guidelines issued by federal regulatory agencies. While we believe that the ALLL has been established and maintained at adequate levels,
      future adjustments may be necessary if economic or other conditions differ materially from the conditions on which we based our estimates at December 31, 2020. In addition, there can be no assurance that the OCC or other regulators, as a result of
      reviewing our loan portfolio and/or allowance, will not require us to materially increase our ALLL, thereby affecting our financial condition and earnings.</div>
    <div>&#160;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">10</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify;">The following table details our allocation of the ALLL to the various categories of loans held for investment and the percentage of loans in each category to total loans at the dates indicated:</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z0cf55bc742a744d18b822f48c730d261">

        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="38" rowspan="1">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31,</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;"> 2020</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2019</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2018</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2017</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" rowspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2016</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Percent</div>
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">of loans</div>
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">in each</div>
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">category</div>
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">to total</div>
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">loans</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Percent</div>
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">of loans</div>
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">in each</div>
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">category</div>
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">to total</div>
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">loans</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="34">
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
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            <div style="text-indent: -9pt; margin-left: 9pt;">Single family</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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            <div style="font-family: &#38;quot;">296</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.08</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">312</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.08</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">368</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.10</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">594</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.17</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">367</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.10</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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            <div style="text-indent: -9pt; margin-left: 9pt;">Multi&#8209;family</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">2,433</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.67</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">2,319</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.58</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">1,880</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.52</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">2,300</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.68</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">2,659</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.69</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Commercial real estate</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">222</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.06</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">133</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.03</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">52</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.02</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">71</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.02</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">215</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <div style="font-family: &#38;quot;">0.06</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
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          <td valign="bottom" style="vertical-align: top; width: 20%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Church</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">237</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.06</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">362</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.09</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">604</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.17</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">1,081</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.32</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">1,337</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.35</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Construction</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">22</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.01</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">48</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.01</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">19</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.01</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">17</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.01</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">8</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Commercial</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">4</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">7</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">6</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">6</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">17</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">0.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Consumer</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">0.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">0.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">0.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">0.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">0.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 4px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total allowance for loan losses</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">3,215</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">0.88</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">3,182</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">0.79</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">2,929</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">0.82</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">4,069</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">1.20</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">4,603</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="font-family: &#38;quot;">1.20</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
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    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">The following table shows the activity in our ALLL related to our loans held for investment for the years indicated:</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z9dd257ed5c424174b8ec66161e260f26">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;"> 2020</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2019</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2018</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2017</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2016</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="18">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(Dollars in thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Allowance balance at beginning of year</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">3,182</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">2,929</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">4,069</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">4,603</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">4,828</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Charge&#8209;offs:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Single family</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Multi&#8209;family</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Commercial real estate</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Church</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Commercial</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 27pt;">Total charge&#8209;offs</div>
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          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Recoveries:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Single family</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">30</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">47</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Commercial real estate</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">
            <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">
            <div style="font-family: &#38;quot;">248</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Church</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">260</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">114</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">536</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">22</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Commercial</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
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          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>8</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 27pt;">Total recoveries</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>4</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>260</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>114</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>566</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>325</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Loan loss provision (recapture)</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>29</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>(7</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>(1,254</div>
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          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div>
              <div>)</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>(1,100</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div>
              <div>)</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div>(550</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div>
              <div>)</div>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Allowance balance at end of year</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>3,215</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>3,182</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>2,929</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>4,069</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
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              <div>4,603</div>
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          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Net charge&#8209;offs (recoveries) to average loans, excluding loans receivable held for sale</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">(0.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%)</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">(0.07</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%)</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">(0.04</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%)</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">(0.16</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%)</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">(0.10</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%)</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">ALLL as a percentage of gross loans <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup>, excluding loans receivable held for sale</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.88</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.79</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.82</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1.20</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1.20</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">ALLL as a percentage of total non&#8209;accrual loans</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">408.51</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">750.47</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">321.51</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">230.41</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">156.35</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">ALLL as a percentage of total non&#8209;performing assets</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">408.51</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">750.47</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">167.94</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">153.90</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">156.35</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z266d11141d7244739200fb436cb232ab" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Including net deferred loan costs and premiums.</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">11</font></div>
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        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify; font-weight: bold;">Investment Activities</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The main objectives of our investment strategy are to provide a source of liquidity for deposit outflows, repayment of our borrowings and funding loan commitments, and to generate a favorable return on investments
      without incurring undue interest rate or credit risk. Subject to various restrictions, our investment policy generally permits investments in money market instruments such as Federal Funds Sold, certificates of deposit of insured banks and savings
      institutions, direct obligations of the U. S. Treasury, securities issued by federal and other government agencies and mortgage&#8209;backed securities, mutual funds, municipal obligations, corporate bonds and marketable equity securities. Mortgage&#8209;backed
      securities consist principally of securities issued by the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation and the Government National Mortgage Association which are backed by 30&#8209;year amortizing hybrid ARM Loans,
      structured with fixed interest rates for periods of three to seven years, after which time the loans convert to one&#8209;year or six&#8209;month adjustable rate mortgage loans. At December 31, 2020, our securities portfolio, consisting primarily of federal
      agency debt, mortgage&#8209;backed securities and municipal bonds, totaled $10.7 million, or 2.2% of total assets.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We classify investments as held&#8209;to&#8209;maturity or available&#8209;for&#8209;sale at the date of purchase based on our assessment of our internal liquidity requirements. Securities purchased to meet investment&#8209;related objectives such
      as liquidity management or mitigating interest rate risk and which may be sold as necessary to implement management strategies, are designated as available&#8209;for&#8209;sale at the time of purchase. Securities in the held&#8209;to&#8209;maturity category consist of
      securities purchased for long&#8209;term investment in order to enhance our ongoing stream of net interest income. Securities deemed held&#8209;to&#8209;maturity are classified as such because we have both the intent and ability to hold these securities to maturity.
      Held&#8209;to&#8209;maturity securities are reported at cost, adjusted for amortization of premium and accretion of discount. Available&#8209;for&#8209;sale securities are reported at fair value. We currently have no securities classified as held&#8209;to&#8209;maturity securities.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The table below presents the carrying amount, weighted average yields and contractual maturities of our securities as of December 31, 2020. The table reflects stated final maturities and does not reflect scheduled
      principal payments or expected payoffs.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z642697f3a81644d5b133aef92a4affa8">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="38">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">At December 31, 2020</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">One Year or less</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">More than one</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">year</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">to five years</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">More than five</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">years</div>
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          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">More than</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">ten years</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Total</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Carrying</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">amount</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Weighted</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">average</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">yield</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Carrying</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">amount</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Weighted</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">average</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">yield</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Carrying</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">amount</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Weighted</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">average</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">yield</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Carrying</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">amount</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Weighted</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">average</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">yield</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Carrying</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">amount</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Weighted</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">average</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">yield</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="38">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(Dollars in thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Available&#8209;for&#8209;sale:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Federal agency mortgage&#8209;backed securities</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1,554</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">2.45</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">4,253</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">2.37</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">5,807</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">2.39</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Federal agency debt</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">2,872</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">2.67</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">2,872</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
            <div style="font-family: &#38;quot;">2.67</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Municipal bonds</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div></div>
              <div>-</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div></div>
              <div>-</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div></div>
              <div>2,019</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1.38</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div></div>
              <div>-</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div></div>
              <div>2,019</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1.38</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 4px;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Total</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>-</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>-</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>3,573</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">1.85</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>7,125</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">2.49</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: #000000 double 4px;" colspan="1">
            <div>
              <div>10,698</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">2.28</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">At December 31, 2020, the securities in our portfolio had an estimated remaining life of 4.1 years.&#160; During 2020, the Bank purchased five municipal bonds totaling $2.0 million at 1.38% weighted average rate, and a
      weighted average remaining life of 6.4 years at December 31, 2020.&#160; There were no sales of securities during the year ended December 31, 2020.</div>
    <div>&#160;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">12</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify;">The following table sets forth the amortized cost and fair value of available-for-sale securities by type as of the dates indicated. At December 31, 2020, our securities portfolio did not contain securities of any
      issuer with an aggregate book value in excess of 10% of our equity capital, excluding those issued by the United States Government or its agencies.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="zf90ce88b20d0479ab84db0c45769a4c8">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 29%; padding-bottom: 2px;">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">&#8203;</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="22">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">At December 31,</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1.01%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 29%; padding-bottom: 2px;">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">&#8203;</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="7">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">2020</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="3">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">2019</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="3">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">&#8203;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">2018</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1.01%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 29%; padding-bottom: 2px;">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">&#8203;</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="3">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">Amortized</div>
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">Cost</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="3">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">Fair</div>
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">Value</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="3">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">
              <div style="color: rgb(0, 0, 0); font-weight: bold;">Amortized</div>
              <div style="color: rgb(0, 0, 0); font-weight: bold;">Cost&#8203;</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="3">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">
              <div style="color: rgb(0, 0, 0); font-weight: bold;">Fair</div>
              <div style="color: rgb(0, 0, 0); font-weight: bold;">Value&#8203;</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="3">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">
              <div style="color: rgb(0, 0, 0); font-weight: bold;">Amortized</div>
              <div style="color: rgb(0, 0, 0); font-weight: bold;">Cost&#8203;</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">Fair</div>
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot; font-weight: bold;">Value</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1.01%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 29%;">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">&#8203;</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="22" rowspan="1">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: &#38;quot;">(Dollars in thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 29%; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0); text-indent: -18pt; margin-left: 18pt;">U.S. Government Agencies</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">2,683</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">2,872</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">3,014</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">3,050</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">5,317</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">5,214</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 29%;">
            <div style="color: rgb(0, 0, 0);">Mortgage-backed securities</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%;">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">5,550</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%;">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">5,807</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%;">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">7,793</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%;">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">7,957</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%;">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">9,575</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%;">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">9,508</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 29%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);">Municipal securities</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">2,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">2,019</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 29%; padding-bottom: 4px;">
            <div style="color: rgb(0, 0, 0);">Total</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">10,233</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">10,698</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">10,807</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">11,007</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">14,892</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 1.01%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.11%; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="color: rgb(0, 0, 0); font-family: &#38;quot;">14,722</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.01%; padding-bottom: 4px;" colspan="1">&#160;</td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Sources of Funds</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">General</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Deposits are our primary source of funds for supporting our lending and other investment activities and general business purposes. In addition to deposits, we obtain funds from the amortization and prepayment of loans
      and investment securities, sales of loans and investment securities, advances from the FHLB, and cash flows generated by operations.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Deposits</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We offer a variety of deposit accounts featuring a range of interest rates and terms. Our deposits principally consist of savings accounts, checking accounts, NOW accounts, money market accounts, and fixed&#8209;term
      certificates of deposit. The maturities of term certificates generally range from one month to five years. We accept deposits from customers within our market area based primarily on posted rates, but from time to time we will negotiate the rate
      based on the amount of the deposit. We primarily rely on customer service and long&#8209;standing customer relationships to attract and retain deposits. We seek to maintain and increase our retail &#8220;core&#8221; deposit relationships, consisting of savings
      accounts, checking accounts and money market accounts because we believe these deposit accounts tend to be a stable funding source and are available at a lower cost than term deposits. However, market interest rates, including rates offered by
      competing financial institutions, the availability of other investment alternatives, and general economic conditions significantly affect our ability to attract and retain deposits.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We participate in a deposit program called the Certificate of Deposit Account Registry Service (&#8220;CDARS&#8221;). CDARS is a deposit placement service that allows us to place our customers&#8217; funds in FDIC&#8209;insured certificates
      of deposit at other banks and, at the same time, receive an equal sum of funds from the customers of other banks in the CDARS Network (&#8220;CDARS Reciprocal&#8221;). We may also accept deposits from other institutions when we have no reciprocal deposit (&#8220;CDARS
      One&#8209;Way Deposits&#8221;). We had approximately $35.8 million in CDARS Reciprocal and $9.6 million in CDARS One&#8209;Way Deposits at December 31, 2020, compared to $39.3 million in CDARS Reciprocal and $40.7 million in CDARS One&#8209;Way Deposits at December 31,
      2019.&#160; The decrease in CDARS One-Way Deposits during 2020 was impacted by an increase in the Bank&#8217;s overall liquidity and the intentional non-renewal of these deposits at maturity due to their high costs.</div>
    <div>&#160;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">13</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify;">The following table details the maturity periods of our certificates of deposit in amounts of $100 thousand or more at December 31, 2020.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" align="center" style="width: 80%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;" id="z265fb72419674b7382223f1de463bbba">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 56%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31, 2020</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 56%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Weighted</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">average rate</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 56%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="6">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(Dollars in thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 56%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Certificates maturing:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 56%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Less than three months</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">27,828</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1.24</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 56%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Three to six months</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">33,857</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">1.09</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 56%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Six to twelve months</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">35,050</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.54</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 56%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Over twelve months</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div>
              <div></div>
              <div>10,498</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">
            <div style="font-family: &#38;quot;">0.97</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 56%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div>
              <div>107,233</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">0.93</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">The following table presents the distribution of our average deposits for the years indicated and the weighted average interest rates during the year for each category of deposits presented.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="zac1cd0ccdb724f95b2e7ccab8572fc99">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 11%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="34">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">For the Year Ended December 31,</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 11%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="10">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2020</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="10">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2019</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="10">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2018</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 11%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Average</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">balance</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Percent</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">of total</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Weighted</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">average</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">rate</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Average</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">balance</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Percent</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">of total</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Weighted</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">average</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">rate</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Average</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">balance</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Percent</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">of total</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Weighted</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">average</div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">rate</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 11%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="34">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(Dollars in thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 11%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Money market deposits</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">47,611</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">14.88</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">0.56</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">25,297</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">8.86</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">0.94</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">37,489</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">13.45</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">1.07</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 11%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Passbook deposits</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%;" colspan="1">
            <div style="font-family: &#38;quot;">55,985</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%;" colspan="1">
            <div style="font-family: &#38;quot;">17.51</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%;" colspan="1">
            <div style="font-family: &#38;quot;">0.44</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%;" colspan="1">
            <div style="font-family: &#38;quot;">45,548</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%;" colspan="1">
            <div style="font-family: &#38;quot;">15.95</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%;" colspan="1">
            <div style="font-family: &#38;quot;">0.60</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%;" colspan="1">
            <div style="font-family: &#38;quot;">41,975</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%;" colspan="1">
            <div style="font-family: &#38;quot;">15.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%;" colspan="1">
            <div style="font-family: &#38;quot;">0.38</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 11%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">NOW and other demand deposits</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">55,003</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">17.17</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">0.03</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">34,091</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">11.94</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">0.04</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">34,779</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">12.51</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">0.09</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 11%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Certificates of deposit</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div>
              <div></div>
              <div>161,409</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div>
              <div>50.44</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div>
              <div>%</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; padding-bottom: 2px;" colspan="1">
            <div style="font-family: &#38;quot;">1.97</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div>
              <div></div>
              <div>180,611</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div>
              <div>63.25</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div>
              <div>%</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; padding-bottom: 2px;" colspan="1">
            <div style="font-family: &#38;quot;">1.99</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div>
              <div></div>
              <div>164,703</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div>
              <div>59.04</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div>
              <div>%</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; padding-bottom: 2px;" colspan="1">
            <div style="font-family: &#38;quot;">1.49</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 11%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Total</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div>
              <div>320,008</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div>
              <div>100.00</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">
            <div>
              <div>%</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">1.01</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div>
              <div>285,547</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div>
              <div>100.00</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">
            <div>
              <div>%</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">1.44</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div>
              <div>278,946</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.88%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
            <div>
              <div>100.00</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">
            <div>
              <div>%</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 6.98%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">1.10</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Borrowings</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We utilize short&#8209;term and long&#8209;term advances from the FHLB as an alternative to retail deposits as a funding source for asset growth. FHLB advances are generally secured by mortgage loans and mortgage&#8209;backed
      securities. Such advances are made pursuant to several different credit programs, each of which has its own interest rate and range of maturities. The maximum amount that the FHLB will advance to member institutions fluctuates from time to time in
      accordance with the policies of the FHLB. At December 31, 2020, we had $110.5 million in FHLB advances and had the ability to borrow up to an additional $40.3 million based on available and pledged collateral.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following table summarizes information concerning our FHLB advances at or for the periods indicated:</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z50d69a5588084be5b809b21689910cc7">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="10">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">At or For the Year Ended</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2020</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2019</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div> </div>
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2018</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="10">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(Dollars in thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 9pt;">FHLB Advances:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Average balance outstanding during the year</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">114,020</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">77,049</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">77,729</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Maximum amount outstanding at any month&#8209;end during the year</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">121,500</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">84,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">98,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Balance outstanding at end of year</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">110,500</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">84,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">70,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Weighted average interest rate at end of year</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">1.94</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">2.32</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">2.51</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Average cost of advances during the year</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">1.94</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">2.42</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">2.13</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%;">
            <div style="text-indent: -9pt; margin-left: 18pt;">Weighted average maturity (in months)</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">27</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">18</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">24</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">On March 17, 2004, we issued $6.0 million of Floating Rate Junior Subordinated Debentures (the &#8220;Debentures&#8221;) in a private placement to a trust that was capitalized to purchase subordinated debt and preferred stock of
      multiple community banks. Interest on the Debentures is payable quarterly at a rate per annum equal to the 3&#8209;Month LIBOR plus 2.54%. The interest rate is determined as of each March 17, June 17, September 17, and December 17, and was 2.77% at
      December 31, 2020. On October 16, 2014, we made payments of $900 thousand of principal on the Debentures, executed a Supplemental Indenture for the Debentures that extended the maturity of the Debentures to March 17, 2024, and modified the payment
      terms of the remaining $5.1 million principal amount thereof. The modified terms of the Debentures required quarterly payments of interest only through March 2019 at the original rate of 3&#8209;Month LIBOR plus 2.54%. Starting in June 2019, the Company is
      required to make quarterly payments of equal amounts of principal, plus interest, until the Debentures are fully amortized on March 17, 2024. During 2020, the Company paid $1.8 million of scheduled principal.&#160; The Debentures may be called for
      redemption at any time.</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">14</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify; font-weight: bold;">Market Area and Competition</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Broadway Federal is a community&#8209;oriented savings institution offering a variety of financial services to meet the needs of the communities it serves. Our retail banking network includes full service banking offices,
      automated teller machines and internet banking capabilities that are available using our website at www.broadwayfederalbank.com. We have two banking offices in Los Angeles and one banking office located in the nearby City of Inglewood as of December
      31, 2020.&#160; As previously announced, the Bank plans to close one of the two banking offices in Los Angles in April 2021.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Los Angeles metropolitan area is a highly competitive banking market for making loans and attracting deposits. Although our offices are primarily located in low&#8209;to&#8209;moderate income communities that have historically
      been under&#8209;served by other financial institutions, we face significant competition for deposits and loans in our immediate market areas, including direct competition from mortgage banking companies, commercial banks and savings and loan associations.
      Most of these financial institutions are significantly larger than we are and have greater financial resources, and many have a regional, statewide or national presence.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Personnel</div>
    <div>&#160;</div>
    <div style="text-align: justify;">At December 31, 2020, we had 64 employees, which included 62 full&#8209;time and 2 part&#8209;time employees. We believe that we have good relations with our employees, and none are represented by a collective bargaining group.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Regulation</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">General</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Broadway Federal Bank, f.s.b, is regulated by the OCC, as its primary federal regulator, and by the FDIC, as its deposit insurer. The Bank is also a member of the Federal Home Loan Bank System and is subject to the
      regulations of the FRB concerning reserves required to be maintained against deposits, transactions with affiliates, Truth in Lending and other consumer protection requirements and certain other matters. Broadway Financial Corporation is regulated,
      examined and supervised by the FRB and is also required to file certain reports and otherwise comply with the rules and regulations of the Securities and Exchange Commission (&#8220;SEC&#8221;) under the federal securities laws.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The OCC regulates and examines most of our Bank&#8217;s business activities, including, among other things, capital standards, general investment authority, deposit taking and borrowing authority, mergers and other business
      combination transactions, establishment of branch offices, and permitted subsidiary investments and activities. The OCC has primary enforcement responsibility over federal savings banks and has substantial discretion to impose enforcement actions on
      an institution that fails to comply with applicable regulatory requirements, including with respect to capital requirements. In addition, the FDIC has the authority to recommend to the OCC that enforcement actions be taken with respect to a
      particular federal savings bank and, if recommended action is not taken by the OCC, the FDIC has authority to take such action under certain circumstances. In certain cases, the OCC has the authority to refer matters relating to federal fair lending
      laws to the U.S. Department of Justice (&#8220;DOJ&#8221;) or the U.S. Department of Housing and Urban Development (&#8220;HUD&#8221;) if the OCC determines violations of the fair lending laws may have occurred.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Changes in applicable laws or the regulations of the OCC, the FDIC, the FRB or other regulatory authorities, or changes in interpretations of such regulations or in agency policies or priorities, could have a material
      adverse impact on the Bank and the Company, their operations, and the value of the Company&#8217;s debt and equity securities. The Company and its stock are also subject to rules issued by The Nasdaq Stock Market LLC (&#8220;Nasdaq&#8221;), the stock exchange on which
      the Company&#8217;s common stock is traded. Failure of the Company to conform to Nasdaq&#8217;s rules could have an adverse impact on the Company and the value of the Company&#8217;s equity securities.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following paragraphs summarize certain laws and regulations that apply to the Company and the Bank. These descriptions of statutes and regulations and their possible effects do not purport to be complete
      descriptions of all the provisions of those statutes and regulations and their possible effects on us, nor do they purport to identify every statute and regulation that applies to us.</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">15</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Dodd&#8209;Frank Wall Street Reform and Consumer Protection Act</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In July 2010, the Dodd&#8209;Frank Wall Street Reform and Consumer Protection Act (the &#8220;Dodd&#8209;Frank Act&#8221;) was signed into law. The Dodd&#8209;Frank Act is intended to address perceived weaknesses in the U.S. financial regulatory
      system and prevent future economic and financial crises.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Dodd&#8209;Frank Act established increased compliance obligations across a number of areas in the banking business and, among other changes, required the federal banking agencies to establish consolidated risk&#8209;based and
      leverage capital requirements for insured depository institutions, depository institution holding companies and certain non&#8209;bank financial companies. Under an existing FRB policy statement, bank holding companies with less than $500 million in total
      consolidated assets were not subject to consolidated capital requirements. In guidance effective as of May 15, 2015, the FRB formally applied the policy statement to savings and loan holding companies, such as the Company, and raised the applicable
      asset threshold to $1 billion. The Dodd&#8209;Frank Act requires savings and loan holding companies to serve as a source of financial strength for any subsidiary of the holding company that is a depository institution by providing financial assistance in
      the event of the financial distress of the depository institution.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Dodd&#8209;Frank Act also included provisions changing the assessment base for federal deposit insurance from the amount of insured deposits to the amount of consolidated assets less tangible capital, and making
      permanent the $250,000 limit for federal deposit insurance that had initially been established on a temporary basis in reaction to the economic downturn in 2008.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Dodd&#8209;Frank Act also established the Consumer Financial Protection Bureau (&#8220;CFPB&#8221;). The CFPB has authority to supervise compliance with and enforce consumer protection laws. The CFPB has broad rule&#8209;making authority
      for a wide range of consumer protection laws that apply to banks and savings institutions of all sizes, including the authority to prohibit &#8220;unfair, deceptive or abusive&#8221; acts and practices. Over the past several years, the CFPB has been active in
      bringing enforcement actions against banks and nonbank financial institutions to enforce federal consumer financial laws and has developed a number of new enforcement theories and applications of these laws. The CFPB&#8217;s supervisory authority does not
      generally extend to insured depository institutions having less than $10 billion in assets. The other federal financial regulatory agencies, however, as well as state attorneys general and state banking agencies and other state financial regulators,
      have been active in this area with respect to institutions over which they have jurisdiction.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Capital Requirements</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In July 2013, the federal banking regulators approved final rules (the &#8220;Basel III Capital Rules&#8221;) implementing the Basel III framework as well as certain provisions of the Dodd&#8209;Frank Act. The Basel III Capital Rules
      substantially revised the risk&#8209;based capital requirements applicable to depository institutions including Broadway Federal. As stated above, the Company is a small savings and loan holding company that will be exempt from consolidated capital
      requirements until its assets exceed $1.0 billion.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Basel III Capital Rules, among other things, (i) introduce a new capital measure called &#8220;Common Equity Tier 1&#8221; (&#8220;CET1&#8221;), (ii) specify that Tier 1 capital consists of CET1 and &#8220;Additional Tier 1 capital&#8221; instruments
      meeting certain revised requirements, (iii) define CET1 narrowly by requiring that most deductions and adjustments to regulatory capital measures be made to CET1 and not to the other components of capital, and (iv) expanded the scope of the
      deductions and adjustments to capital as compared to previously existing regulations.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Under the Basel III Capital Rules, the current minimum capital ratios effective as of January 1, 2015 are:</div>
    <div>&#160;</div>
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        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>4.5% CET1 to risk&#8209;weighted assets;</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="zc526ff11ce9f4793a426de7c823662cd" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>6.0% Tier 1 capital (calculated as CET1 plus Additional Tier 1 capital) to risk&#8209;weighted assets;</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z6ad55dd38d474f85acd30e62e1cdc56e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>8.0% Total capital (calculated as Tier 1 capital plus Tier 2 capital) to risk&#8209;weighted assets; and</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="zce99375560a842c69c71132ad0a61124" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>4.0% Tier 1 capital to average consolidated assets (known as the &#8220;leverage ratio&#8221;).</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">16</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify;">The Basel III Capital Rules also introduced a new &#8220;capital conservation buffer&#8221;, composed entirely of CET1, in addition to the minimum risk&#8209;weighted capital to assets ratios. The implementation of the capital
      conservation buffer began on January 1, 2016 at the 0.625% level and increased by 0.625% on January 1 of each subsequent year, until it reached 2.5% on January 1, 2019. As fully phased in, the Basel III Capital Rules now require the Bank to maintain
      an additional capital conservation buffer of 2.5% of CET1, effectively resulting in minimum ratios of (i) CET1 to risk&#8209;weighted assets of at least 7%, (ii) Tier 1 capital to risk&#8209;weighted assets of at least 8.5%, (iii) a minimum ratio of Total
      capital to risk&#8209;weighted assets of at least 10.5%, and (iv) a minimum leverage ratio of 4.0%. The capital conservation buffer is designed to absorb losses during periods of economic stress and effectively increases the minimum required risk&#8209;weighted
      capital ratios. Banking institutions with a ratio of CET1 to risk&#8209;weighted assets below the effective minimum (4.5% plus the capital conservation buffer) will face constraints on dividends, equity repurchases, and compensation based on the amount of
      the shortfall.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Basel III Capital Rules also provide for several deductions from and adjustments to CET1. These include, for example, the requirement that certain deferred tax assets and significant investments in non&#8209;consolidated
      financial entities be deducted from CET1 to the extent that any one such category exceeds 10% of CET1 or all such items, in the aggregate, exceed 15% of CET1.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In addition, under the Basel III Capital Rules, the effects of certain accumulated other comprehensive income items are not excluded automatically; however, Broadway Federal qualified to make a one&#8209;time permanent
      election to continue to exclude these items. It made this election to avoid significant variations in the level of its capital that might otherwise occur as a result of the impact of interest rate fluctuations on the fair value of its
      available&#8209;for&#8209;sale securities portfolio.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Basel III Capital Rules prescribe a standardized approach for risk weightings that expanded both the number of risk&#8209;weighting categories and the risk sensitivity of many categories. The risk weights assigned to a
      particular category of assets depend on the nature of the assets and range from 0% for U.S. government and agency securities to 600% for certain equity exposures. On balance, the new standards result in higher risk weights for a number of asset
      categories.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Prompt Corrective Action</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Federal Deposit Insurance Act, as amended (&#8220;FDIA&#8221;), requires the federal banking agencies to take &#8220;prompt corrective action&#8221; with respect to depository institutions that do not meet minimum capital requirements.
      The OCC performs this function with respect to the Bank. The FDIA includes the following five capital tiers: &#8220;well capitalized,&#8221; &#8220;adequately capitalized,&#8221; &#8220;undercapitalized,&#8221; &#8220;significantly undercapitalized&#8221; and &#8220;critically undercapitalized.&#8221;</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Generally, a capital restoration plan must be filed with the OCC within 45 days after the date a depository institution receives notice that it is &#8220;undercapitalized,&#8221; &#8220;significantly undercapitalized&#8221; or &#8220;critically
      undercapitalized,&#8221; and the plan must be guaranteed by any parent holding company. In addition, various mandatory supervisory actions become immediately applicable to the institution, including restrictions on growth of assets and other forms of
      expansion.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Basel III Capital Rules included revisions to the prompt corrective action framework. Under the prompt corrective action requirements, insured depository institutions are now required to meet the following
      increased capital level requirements in order to qualify as &#8220;well capitalized:&#8221; (i) a new CET1 capital to risk weighted assets of 6.5%; (ii) a Tier 1 capital to risk weighted assets of 8% (increased from 6%); (iii) a total capital to risk weighted
      assets of 10% (unchanged from previous rules); and (iv) a Tier 1 leverage ratio of 5% (unchanged from previous rules).</div>
    <div>&#160;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">17</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify;">At December 31, 2020, the Bank&#8217;s level of capital exceeded all regulatory capital requirements and its regulatory capital ratios were above the minimum levels required to be considered well capitalized for regulatory
      purposes. Actual and required capital amounts and ratios at December 31, 2020 and 2019 are presented below.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z6ad4a1e696584fa895c1a9607f0d41f8">

        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div> </div>
              <div style="text-align: center; font-weight: bold;">Actual</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div> </div>
              <div style="text-align: center; font-weight: bold;">Minimum Capital</div>
              <div style="text-align: center; font-weight: bold;">Requirements</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="6">
            <div>
              <div> </div>
              <div style="text-align: center; font-weight: bold;">Minimum Required</div>
              <div style="text-align: center; font-weight: bold;">To Be Well</div>
              <div style="text-align: center; font-weight: bold;">Capitalized Under</div>
              <div style="text-align: center; font-weight: bold;">Prompt Corrective</div>
              <div style="text-align: center; font-weight: bold;">Action Provisions</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Ratio</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Ratio</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Ratio</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="22">
            <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(Dollars in thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">December 31, 2020:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Tier 1 (Leverage)</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">46,565</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">9.54</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">19,530</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">4.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">24,413</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">5.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Common Equity Tier 1</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">46,565</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">18.95</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">11,059</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">4.50</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">15,975</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">6.50</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Tier 1</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">46,565</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">18.95</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">14,746</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">6.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">19,661</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">8.00</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total Capital</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">49,802</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">20.20</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">19,661</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">8.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">24,577</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">10.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">December 31, 2019:</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Tier 1 (Leverage)</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">48,541</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">11.56</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">16,798</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">4.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">20,997</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">5.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Common Equity Tier 1</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">48,541</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">17.14</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">12,743</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">4.50</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">18,406</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">6.50</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Tier 1</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">48,541</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">17.14</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">16,990</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">6.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">22,654</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="font-family: &#38;quot;">8.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total Capital</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">51,790</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">18.29</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">22,654</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">8.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">28,318</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">10.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="font-family: &#38;quot;">%</div>
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    </table>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Deposit Insurance</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The FDIC is an independent federal agency that insures deposits of federally insured banks, including federal savings banks, up to prescribed statutory limits for each depositor. Pursuant to the Dodd&#8209;Frank Act, the
      maximum deposit insurance amount has been permanently increased to $250,000 per depositor, per ownership category.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The FDIC charges an annual assessment for the insurance of deposits based on the risk a particular institution poses to the FDIC&#8217;s Deposit Insurance Fund (&#8220;DIF&#8221;). The Bank&#8217;s DIF assessment is calculated by multiplying
      its assessment rate by the assessment base, which is defined as the average consolidated total assets less the average tangible equity of the Bank. The initial base assessment rate is based on an institution&#8217;s capital level, and capital adequacy,
      asset quality, management, earnings, liquidity and sensitivity (&#8220;CAMELS&#8221;) ratings, certain financial measures to assess an institution&#8217;s ability to withstand asset related stress and funding related stress, and in some cases, additional discretionary
      adjustments by the FDIC to reflect additional risk factors.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The FDIC&#8217;s overall premium rate structure is subject to change from time to time to reflect its actual and anticipated loss experience. The financial crisis that began in 2008 resulted in substantially higher levels of
      bank failures than had occurred in the immediately preceding years. These failures dramatically increased the resolution costs incurred by the FDIC and substantially reduced the available amount of the DIF.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">As required by the Dodd&#8209;Frank Act, the FDIC adopted a new DIF restoration plan which became effective on January 1, 2011. Among other things, the plan increased the minimum designated DIF reserve ratio from 1.15% to
      1.35% of insured deposits, which must be reached by September 30, 2020, and provides that in setting the assessments necessary to meet the new requirement, the FDIC is required to offset the effect of this provision on insured depository institutions
      with total consolidated assets of less than $10 billion, so that more of the cost of raising the reserve ratio will be borne by institutions with more than $10 billion in assets. With the increase of the DIF reserve ratio to 1.17% on June 30, 2016,
      the range of initial assessment rates has declined for all banks from five to 35 basis points on an annualized basis to three to 30 basis points on an annualized basis. In order to reach a DIF reserve ratio of 1.35%, insured depository institutions
      with $10 billion or more in total assets are required to pay a quarterly surcharge equal to an annual rate of 4.5 basis points, in addition to regular assessments. The FDIC will impose a shortfall in the first quarter of 2020 on large banks that did
      not have a reserve of at least 1.35% by December 31, 2019. The FDIC will provide assessment credits to insured depository institutions, like Broadway Federal, with total consolidated assets of less than $10 billion for the portion of their regular
      assessments that contribute to growth in the reserve ratio between 1.15% and 1.35%. The FDIC will apply the credits each quarter that the reserve ratio is at least 1.38% to offset the regular deposit insurance assessments of institutions with
      credits.&#160; During 2020, the Bank received two assessment credits totaling $49 thousand compared to two assessment credits totaling $56 thousand during 2019.</div>
    <div style="text-align: justify;"> <br>
    </div>
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    </div>
    <div style="text-align: justify;">The FDIC may terminate a depository institution&#8217;s deposit insurance upon a finding that the institution&#8217;s financial condition is unsafe or unsound or that the institution has engaged in unsafe or unsound practices that
      pose a risk to the DIF or that may prejudice the interest of the bank&#8217;s depositors.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Guidance on Commercial Real Estate Lending</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In December 2015, the federal banking agencies released a statement titled &#8220;Statement on Prudent Risk Management for Commercial Real Estate Lending&#8221; (the &#8220;CRE Statement&#8221;). The CRE Statement expresses the banking
      agencies&#8217; concerns with banking institutions that ease their commercial real estate underwriting standards, directs financial institutions to maintain underwriting discipline and exercise risk management practices to identify, measure and monitor
      lending risks, and indicates that the agencies will continue to pay special attention to commercial real estate lending activities and concentrations going forward. The banking agencies previously issued guidance titled &#8220;Prudent Commercial Real
      Estate Loan Workouts&#8221; which provides guidance for financial institutions that are working with commercial real estate (&#8220;CRE&#8221;) borrowers who are experiencing diminished operating cash flows, depreciated collateral values, or prolonged delays in
      selling or renting commercial properties and details risk&#8209;management practices for loan workouts that support prudent and pragmatic credit and business decision&#8209;making within the framework of financial accuracy, transparency, and timely loss
      recognition. The banking agencies had also issued previous guidance titled &#8220;Interagency Guidance on Concentrations in Commercial Real Estate&#8221; stating that a banking institution will be considered to be potentially exposed to significant CRE
      concentration risk, and should employ enhanced risk management practices, if total CRE loans represent 300% or more of its total capital and the outstanding balance of the institution&#8217;s CRE loan portfolio has increased by 50% or more during the
      preceding 36 months.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In October 2009, the federal banking agencies adopted a policy statement supporting workouts of CRE loans, which is referred to as the &#8220;CRE Policy Statement&#8221;. The CRE Policy Statement provides guidance for examiners,
      and for financial institutions that are working with CRE borrowers who are experiencing diminished operating cash flows, depreciated collateral values, or prolonged delays in selling or renting commercial properties. The CRE Policy Statement details
      risk&#8209;management practices for loan workouts that support prudent and pragmatic credit and business decision&#8209;making within the framework of financial accuracy, transparency, and timely loss recognition. The CRE Policy Statement states that financial
      institutions that implement prudent loan workout arrangements after performing comprehensive reviews of the financial condition of borrowers will not be subject to criticism for engaging in these efforts, even if the restructured loans have
      weaknesses that result in adverse credit classifications. In addition, performing loans, including those renewed or restructured on reasonable modified terms, made to creditworthy borrowers, will not be subject to adverse classification solely
      because the value of the underlying collateral declined. The CRE Policy Statement reiterates existing guidance that examiners are expected to take a balanced approach in assessing an institution&#8217;s risk&#8209;management practices for loan workout
      activities.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In October 2018, the OCC provided the Bank with a letter of &#8220;no supervisory objection&#8221; permitting the Bank to increase the non&#8209;multifamily commercial real estate loan concentration limit to 100% of Tier 1 Capital plus
      ALLL, including a sublimit of 50% for land/construction loans, which brought the total CRE loan concentration limit to 600% of Tier 1 Capital plus ALLL.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Loans to One Borrower</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Federal savings banks generally are subject to the lending limits that are applicable to national banks. With certain limited exceptions, the maximum amount that a federal savings banks may lend to any borrower
      (including certain related persons or entities of such borrower) is an amount equal to 15% of the savings institution&#8217;s unimpaired capital and unimpaired surplus, or $7.4 million for Broadway Federal at December 31, 2020, plus an additional 10% for
      loans fully secured by readily marketable collateral. Real estate is not included within the definition of &#8220;readily marketable collateral&#8221; for this purpose. We are in compliance with the limits applicable to loans to any one borrower. At December 31,
      2020, our largest amount of loan to one borrower was $6.9 million, and the loan was performing in accordance with their terms and the borrower had no affiliation with Broadway Federal.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Community Reinvestment Act and Fair Lending</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Community Reinvestment Act, as implemented by OCC regulations (&#8220;CRA&#8221;), requires each federal savings bank, as well as other lenders, to make efforts to meet the credit needs of the communities they serve, including
      low&#8209; and moderate&#8209;income neighborhoods. The CRA requires the OCC to assess an institution&#8217;s performance in meeting the credit needs of its communities as part of its examination of the institution, and to take such assessments into consideration in
      reviewing applications for mergers, acquisitions and other transactions. An unsatisfactory CRA rating may be the basis for denying an application. Community groups have successfully protested applications on CRA grounds. In connection with the
      assessment of a savings institution&#8217;s CRA performance, the OCC assigns ratings of &#8220;outstanding,&#8221; &#8220;satisfactory,&#8221; &#8220;needs to improve&#8221; or &#8220;substantial noncompliance.&#8221; The Bank&#8217;s CRA performance has been rated by OCC as &#8220;outstanding&#8221; since 1995, and the
      Bank&#8217;s &#8220;outstanding&#8221; rating was recently reaffirmed by OCC in its most recent CRA examination completed in April 2019.</div>
    <div>&#160;</div>
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    <div style="text-align: justify;">The Bank is also subject to federal fair lending laws, including the Equal Credit Opportunity Act (&#8220;ECOA&#8221;) and the Federal Housing Act (&#8220;FHA&#8221;), which prohibit discrimination in credit and residential real estate
      transactions on prohibited bases, including race, color, national origin, gender, and religion, among others. A lender may be liable under one or both acts in the event of overt discrimination, disparate treatment, or a disparate impact on a
      prohibited basis. The compliance of federal savings banks of the Bank&#8217;s size with these acts is primarily supervised and enforced by the OCC. If the OCC determines that a lender has engaged in a pattern or practice of discrimination in violation of
      ECOA, the OCC refers the matter to the DOJ. Similarly, HUD is notified of violations of the FHA.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Qualified Thrift Lender Test</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Home Owners Loan Act (&#8220;HOLA&#8221;) requires all federal savings banks to meet a Qualified Thrift Lender (&#8220;QTL&#8221;) test. Under the QTL test, a federal savings bank is required to maintain at least 65% of its portfolio
      assets (total assets less (i) specified liquid assets up to 20% of total assets, (ii) intangibles, including goodwill, and (iii) the value of property used to conduct business) in certain &#8220;qualified thrift investments&#8221; on a monthly basis during at
      least 9 out of every 12 months. Qualified thrift investments include, in general, loans, securities and other investments that are related to housing, shares of stock issued by any Federal Home Loan Bank, loans for educational purposes, loans to
      small businesses, loans made through credit cards or credit card accounts and certain other permitted thrift investments. The failure of a federal savings bank to remain a QTL may result in required conversion of the institution to a bank charter,
      which would change the federal savings bank&#8217;s permitted business activities in various respects, including operation under certain restrictions, such as limitations on new investments and activities, the imposition of restrictions on branching and
      the payment of dividends that apply to national banks. At December 31, 2020, the Bank was in compliance with the QTL test requirements.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">The USA Patriot Act, Bank Secrecy Act (&#8220;BSA&#8221;), and Anti&#8209;Money Laundering (&#8220;AML&#8221;) Requirements</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The USA PATRIOT Act was enacted after September 11, 2001 to provide the federal government with powers to prevent, detect, and prosecute terrorism and international money laundering, and has resulted in the
      promulgation of several regulations that have a direct impact on savings associations. Financial institutions must have a number of programs in place to comply with this law, including: (i) a program to manage BSA/AML risk; (ii) a customer
      identification program designed to determine the true identity of customers, document and verify the information, and determine whether the customer appears on any federal government list of known or suspected terrorists or terrorist organizations;
      and (iii) a program for monitoring for the timely detection and reporting of suspicious activity and reportable transactions. Failure to comply with these requirements may result in regulatory action, including the issuance of cease and desist
      orders, impositions of civil money penalties and adverse changes in an institution&#8217;s regulatory ratings, which could adversely affect its ability to obtain regulatory approvals for business combinations or other desired business objectives.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Privacy Protection</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Broadway Federal is subject to OCC regulations implementing the privacy protection provisions of federal law. These regulations require Broadway Federal to disclose its privacy policy, including identifying with whom
      it shares &#8220;nonpublic personal information,&#8221; to customers at the time of establishing the customer relationship and annually thereafter. The regulations also require Broadway Federal to provide its customers with initial and annual notices that
      accurately reflect its privacy policies and practices. In addition, to the extent its sharing of such information is not covered by an exception, Broadway Federal is required to provide its customers with the ability to &#8220;opt&#8209;out&#8221; of having Broadway
      Federal share their nonpublic personal information with unaffiliated third parties.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Broadway Federal is also subject to regulatory guidelines establishing standards for safeguarding customer information. The guidelines describe the agencies&#8217; expectations for the creation, implementation and
      maintenance of an information security program, which would include administrative, technical and physical safeguards appropriate to the size and complexity of the institution and the nature and scope of its activities. The standards set forth in the
      guidelines are intended to ensure the security and confidentiality of customer records and information, protect against any anticipated threats or hazards to the security or integrity of such records and protect against unauthorized access to or use
      of such records or information that could result in substantial harm or inconvenience to any customer.</div>
    <div style="text-align: justify;"> <br>
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    <div style="text-align: justify; font-style: italic; font-weight: bold;">Cybersecurity</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In the ordinary course of business, we rely on electronic communications and information systems to conduct our operations and to store sensitive data. We employ an in&#8209;depth, layered, defensive approach that leverages
      people, processes and technology to manage and maintain cybersecurity controls. We employ a variety of preventative and detective tools to monitor, block, and provide alerts regarding suspicious activity, as well as to report on any suspected
      persistent threats. Notwithstanding the strength of our defensive measures, the threat from cybersecurity attacks is severe, attacks are sophisticated and increasing in volume, and attackers respond rapidly to changes in defensive measures. While to
      date we have not experienced a significant compromise, significant data loss or any material financial losses related to cybersecurity attacks, our systems and those of our customers and third&#8209;party service providers are under constant threat and it
      is possible that we could experience a significant event in the future.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The federal banking agencies have adopted guidelines for establishing information security standards and cybersecurity programs for implementing safeguards under the supervision of a banking organization&#8217;s the board of
      directors. These guidelines, along with related regulatory materials, increasingly focus on risk management, processes related to information technology and operational resiliency, and the use of third parties in the provision of financial services.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Risks and exposures related to cybersecurity attacks are expected to remain high for the foreseeable future due to the rapidly evolving nature and sophistication of these threats, as well as due to the expanding use of
      internet banking, mobile banking and other technology&#8209;based products and services by us and our customers.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Savings and Loan Holding Company Regulation</div>
    <div>&#160;</div>
    <div style="text-align: justify;">As a savings and loan holding company, we are subject to the supervision, regulation, and examination of the FRB. In addition, the FRB has enforcement authority over the Company and our subsidiary Broadway Federal.
      Applicable statutes and regulations administered by FRB place certain restrictions on our activities and investments. Among other things, we are generally prohibited, either directly or indirectly, from acquiring more than 5% of the voting shares of
      any savings association or savings and loan holding company that is not a subsidiary of the Company.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Change in Bank Control Act prohibits a person, acting directly or indirectly or in concert with one or more persons, from acquiring control of a savings and loan holding company unless the FRB has been given 60
      days prior written notice of such proposed acquisition and within that time period the FRB has not issued a notice disapproving the proposed acquisition or extending for up to another 30 days the period during which a disapproval may be issued. The
      term &#8220;control&#8221; is defined for this purpose to include ownership or control of, or holding with power to vote, 25% or more of any class of a savings and loan holding company&#8217;s voting securities. Under a rebuttable presumption contained in the
      regulations of the FRB, ownership or control of, or holding with power to vote, 10% or more of any class of voting securities of a savings and loan holding company will be deemed control for purposes of the Change in Bank Control Act if the
      institution (i) has registered securities under Section 12 of the Exchange Act, or (ii) no person will own, control, or have the power to vote a greater percentage of that class of voting securities immediately after the transaction. In addition, any
      company acting directly or indirectly or in concert with one or more persons or through one or more subsidiaries would be required to obtain the approval of the FRB under the Home Owners&#8217; Loan Act before acquiring control of a savings and loan
      holding company. For this purpose, a company is deemed to have control of a savings and loan holding company if the company (i) owns, controls, holds with power to vote, or holds proxies representing, 25% or more of any class of voting shares of the
      holding company, (ii) contributes more than 25% of the holding company&#8217;s capital, (iii) controls in any manner the election of a majority of the holding company&#8217;s directors, or (iv) directly or indirectly exercises a controlling influence over the
      management or policies of the savings bank or other company. The FRB may also determine, based on the relevant facts and circumstances, that a company has otherwise acquired control of a savings and loan holding company.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Restrictions on Dividends and Other Capital Distributions</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In general, the prompt corrective action regulations prohibit a federal savings bank from declaring any dividends, making any other capital distribution, or paying a management fee to a controlling person, such as its
      parent holding company, if, following the distribution or payment, the institution would be within any of the three undercapitalized categories. In addition to the prompt corrective action restriction on paying dividends, OCC regulations limit
      certain &#8220;capital distributions&#8221; by savings associations. Capital distributions are defined to include, among other things, dividends and payments for stock repurchases and payments of cash to stockholders in mergers.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Under the OCC capital distribution regulations, a federal savings bank that is a subsidiary of a savings and loan holding company must notify the OCC at least 30 days prior to the declaration of any capital
      distribution by its federal savings bank subsidiary. The 30&#8209;day period provides the OCC an opportunity to object to the proposed dividend if it believes that the dividend would not be advisable.</div>
    <div style="text-align: justify;"> <br>
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    <div style="text-align: justify;">An application to the OCC for approval to pay a dividend is required if: (i) the total of all capital distributions made during that calendar year (including the proposed distribution) exceeds the sum of the
      institution&#8217;s year&#8209;to&#8209;date net income and its retained income for the preceding two years; (ii) the institution is not entitled under OCC regulations to &#8220;expedited treatment&#8221; (which is generally available to institutions the OCC regards as well run
      and adequately capitalized); (iii) the institution would not be at least &#8220;adequately capitalized&#8221; following the proposed capital distribution; or (iv) the distribution would violate an applicable statute, regulation, agreement, or condition imposed
      on the institution by the OCC.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Bank&#8217;s ability to pay dividends to the Company is also subject to a restriction on the payment of dividends by the Bank to the Company if the Bank&#8217;s regulatory capital would be reduced below the amount required for
      the liquidation account established in connection with the conversion of the Bank from the mutual to the stock form of organization.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">See Item 5, &#8220;Market for Registrant&#8217;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities&#8221; and Note 14 of the Notes to Consolidated Financial Statements for a further description of
      dividend and other capital distribution limitations to which the Company and the Bank are subject.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Tax Matters</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Federal Income Taxes</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We report our income on a calendar year basis using the accrual method of accounting and are subject to federal income taxation in the same manner as other corporations. See Note 13 of the Notes to Consolidated
      Financial Statements for a further description of tax matters applicable to our business.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">California Taxes</div>
    <div>&#160;</div>
    <div style="text-align: justify;">As a savings and loan holding company filing California franchise tax returns on a combined basis with its subsidiaries, the Company is subject to California franchise tax at the rate applicable to &#8220;financial
      corporations.&#8221; The applicable statutory tax rate is 10.84%.</div>
    <div>&#160;</div>
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              <div style="text-align: justify; font-weight: bold;">ITEM 2.<a name="ITEM2."><!--Anchor--></a></div>
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            <td style="vertical-align: top; width: auto;">
              <div style="text-align: justify; font-weight: bold;">PROPERTIES</div>
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    <div>&#160;</div>
    <div style="text-align: justify;">We conduct our business through three branch offices and a corporate office. Our loan service operation is also conducted from one of our branch offices. Our administrative and corporate operations are conducted from
      our corporate facility located at 5055 Wilshire Boulevard, Suite 500, Los Angeles. There are no mortgages, material liens or encumbrances against any of our owned properties. We believe that all the properties are adequately covered by insurance, and
      that our facilities are adequate to meet our present needs.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">As of December 31, 2020, the net book value of our investment in premises, equipment and fixtures, excluding computer equipment, was $2.5 million. Total occupancy expense, inclusive of rental payments and furniture and
      equipment expense, for the year ended December 31, 2020 was $1.3 million. Total annual rental expense (exclusive of operating charges and real property taxes) was approximately $598 thousand during 2020.</div>
    <div>&#160;</div>
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            <div style="font-family: &#38;amp; font-weight: bold;">Location</div>
          </td>
          <td style="vertical-align: bottom; width: 15%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Leased or</div>
            <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Owned</div>
          </td>
          <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td style="vertical-align: bottom; width: 15%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Original</div>
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Date</div>
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Leased or</div>
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Acquired</div>
            </div>
          </td>
          <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td style="vertical-align: bottom; width: 15%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Date</div>
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">of Lease</div>
              <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Expiration</div>
            </div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 35%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt; font-weight: bold;">Administrative/Loan Origination Center:</div>
            <div>5055 Wilshire Blvd, Suite 500</div>
            <div>Los Angeles, CA</div>
          </td>
          <td style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: &#38;amp;">Leased</div>
          </td>
          <td colspan="1" style="vertical-align: top; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: &#38;amp;">2013</div>
          </td>
          <td colspan="1" style="vertical-align: top; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: &#38;amp;">Sep. 2021</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 35%;">
            <div style="text-indent: -10pt; margin-left: 10pt; font-weight: bold;">Branch Offices:</div>
            <div>5055 Wilshire Blvd, Suite 100</div>
            <div>Los Angeles, CA</div>
          </td>
          <td style="vertical-align: top; width: 15%;">
            <div style="text-align: center; font-family: &#38;amp;">Leased</div>
          </td>
          <td colspan="1" style="vertical-align: top; width: 1%;">&#160;</td>
          <td style="vertical-align: top; width: 15%;">
            <div style="text-align: center; font-family: &#38;amp;">2013</div>
          </td>
          <td colspan="1" style="vertical-align: top; width: 1%;">&#160;</td>
          <td style="vertical-align: top; width: 15%;">
            <div style="text-align: center; font-family: &#38;amp;">May 2021</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 35%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;">170 N. Market Street</div>
            <div>Inglewood, CA</div>
            <div>(Branch Office/Loan Service Center)</div>
          </td>
          <td style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: &#38;amp;">Owned</div>
          </td>
          <td colspan="1" style="vertical-align: top; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: &#38;amp;">1996</div>
          </td>
          <td colspan="1" style="vertical-align: top; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: &#38;amp;">&#8209;</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 35%;">
            <div style="text-indent: -10pt; margin-left: 10pt;">4001 South Figueroa Street</div>
            <div>Los Angeles, CA</div>
          </td>
          <td style="vertical-align: top; width: 15%;">
            <div style="text-align: center; font-family: &#38;amp;">Owned</div>
          </td>
          <td colspan="1" style="vertical-align: top; width: 1%;">&#160;</td>
          <td style="vertical-align: top; width: 15%;">
            <div style="text-align: center; font-family: &#38;amp;">1996</div>
          </td>
          <td colspan="1" style="vertical-align: top; width: 1%;">&#160;</td>
          <td style="vertical-align: top; width: 15%;">
            <div style="text-align: center; font-family: &#38;amp;">&#8209;</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">22</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <table cellspacing="0" cellpadding="0" id="zf2f62f3ce2354e9f97274c60a30ffd00" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 3.<a name="ITEM3."><!--Anchor--></a></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-weight: bold;">LEGAL PROCEEDINGS</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">Between February 3, 2021 and March 1, 2021, eight purported holders of the Company&#8217;s common stock filed the following complaints against the Company and the members of its board of directors (collectively, the
      &#8220;Stockholder Complaints&#8221;): (i) Chris Pinkney v. Broadway Financial Corporation, et al., filed on February 3, 2021 in the in the United States District Court for the Southern District of New York, No. 1:21-cv-00945; (ii) Jose Lopez v. Broadway
      Financial Corporation, et al., filed on February 5, 2021 in the United States District Court for the District of Delaware, No. 1:21-cv-00157; (iii) Jamal Howard v. Broadway Financial Corporation, et al., filed on February 10, 2021 in the United
      States District Court for the Eastern District of New York, No. 1:21-cv-00706; (iv) Rose Stovall v. Broadway Financial Corporation, et al., filed on February 11, 2021 in the United States District Court for the Southern District of New York, No.
      1:21-cv-01238; (v) Sally Nahra v. Broadway Financial Corporation, et al., filed on February 18, 2021 in the United States District Court for the Southern District of New York, No. 1:21-cv-01459; (vi) Jordan Rosenblatt v. Broadway Financial
      Corporation, et al., filed on February 25, 2021 in the United States District Court for the Central District of California, No. 2:21-cv-079001790; (vii) Patrick Plumley v. Broadway Financial Corporation, et al., filed on February 25, 2021 in the
      United States District Court for the District of Delaware, No. 1:21-cv-00290; and (viii) Derek Mueller v. Broadway Financial Corporation, et al., filed on March 1, 2021 in the United States District Court for the Eastern District of Pennsylvania, No.
      1:21-cv-00975.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Stockholder Complaints assert, among others, claims under Section 14(a) of the Exchange Act against the Company and the members of its board of directors and claims under Section 20(a) of the Exchange Act against
      the members of the board of directors for allegedly causing a materially incomplete and misleading registration statement on Form S-4 or prospectus on Form 424B3 (collectively, the &#8220;Offering Materials&#8221;) to be filed with the SEC and challenging the
      adequacy of certain disclosures made therein. The Lopez and Mueller complaints also include CFBanc in their allegations under Section 20(a) of the Exchange Act, and the Nahra complaint also includes a count against the members of the Company&#8217;s board
      of directors for breach of fiduciary duty. Additionally, the Pinkney complaint asserts that the merger consideration is unfair and that the termination fee agreed by the Company and CFBanc to be payable in the event of termination of the merger
      agreement in certain circumstances is excessive. Among other remedies, the Stockholder Complaints sought primarily to enjoin the merger and require dissemination of revised Offering Materials. Since none of the plaintiffs moved for preliminary
      injunction and the merger has received stockholder approval, these requests are now moot. The Stockholder Complaints also state that the plaintiffs seek, in the event the merger is consummated, a rescission of the merger or an award of rescissory or
      other damages in an unspecified amount, and attorneys&#8217; fees and costs.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Company believes that the claims in the Stockholder Complaints are without merit and intends to defend against them vigorously.</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="text-align: justify;">
      <div>In the ordinary course of business, we are defendants in various litigation matters from time to time. In our opinion, the disposition of any litigation and other legal and regulatory matters currently pending or threatened against us would not
        have a material adverse effect on our financial position, results of operations or cash flows.</div>
      <div> <br>
      </div>
    </div>
    <table cellspacing="0" cellpadding="0" id="z64c0f31be90b427a86b530312ba89199" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 4.<a name="ITEM4."><!--Anchor--></a></td>
          <td style="vertical-align: top; text-align: justify; width: auto;">
            <div style="font-weight: bold;">MINE SAFETY DISCLOSURES</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">Not Applicable</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">23</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: center; font-weight: bold;">PART II</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z5b783066779e4a68a74ab8aee85294d1" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 5.<a name="ITEM5."><!--Anchor--></a></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-weight: bold;">MARKET FOR REGISTRANT&#8217;S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES</div>
          </td>
        </tr>

    </table>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="text-align: justify;">Our common stock is traded on the Nasdaq Capital Market under the symbol &#8220;BYFC.&#8221; The table below shows the high and low sale prices for our common stock during the periods indicated.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" id="z541f175e55f542bea590052a2cd2d35b" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 28%;">
            <div>
              <div style="text-align: center; font-weight: bold;">2020</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;">1st Quarter</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;">2nd Quarter</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;">3rd Quarter</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;">4th Quarter</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">High</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%; background-color: rgb(204, 238, 255);">
            <div>1.59</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%; background-color: rgb(204, 238, 255);">
            <div>3.31</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%; background-color: rgb(204, 238, 255);">
            <div>3.32</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%; background-color: rgb(204, 238, 255);">
            <div>1.94</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%;">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Low</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%;">
            <div>1.14</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%;">
            <div>1.14</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%;">
            <div>1.44</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%;">
            <div>1.61</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="zfaeb33e82b9143c994def6ef7fdfc4e6" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 28%;">
            <div>
              <div style="text-align: center; font-weight: bold;">2019</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;">1st Quarter</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;">2nd Quarter</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;">3rd Quarter</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;">4th Quarter</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">High</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%; background-color: rgb(204, 238, 255);">
            <div>1.50</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%; background-color: rgb(204, 238, 255);">
            <div>1.47</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%; background-color: rgb(204, 238, 255);">
            <div>2.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%; background-color: rgb(204, 238, 255);">
            <div>1.76</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%;">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Low</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%;">
            <div>1.13</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%;">
            <div>1.21</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%;">
            <div>1.42</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 15%;">
            <div>1.42</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">The closing sale price for our common stock on the Nasdaq Capital Market on March 17, 2021 was $3.30 per share. As of March 17, 2021, we had 284 stockholders of record and 19,142,498 shares of voting common stock
      outstanding. At that date, we also had 8,756,396 shares of non&#8209;voting common stock outstanding. Our non&#8209;voting common stock is not listed for trading on the Nasdaq Capital Market, but is convertible into our voting common stock in connection with
      certain sale or other transfer transactions.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In general, we may pay dividends out of funds legally available for that purpose at such times as our Board of Directors determines that dividend payments are appropriate, after considering our net income, capital
      requirements, financial condition, alternate investment options, prevailing economic conditions, industry practices and other factors deemed to be relevant at the time. We suspended our prior policy of paying regular cash dividends in May 2010 in
      order to retain capital for reinvestment in the Company&#8217;s business.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our financial ability to pay permitted dividends is primarily dependent upon receipt of dividends from Broadway Federal. Broadway Federal is subject to certain requirements which may limit its ability to pay dividends
      or make other capital distributions. See Item 1 &#8220;Business &#8211; Regulation&#8221; and Note 15 of the Notes to Consolidated Financial Statements in Item 8 &#8220;Financial Statements and Supplementary Data&#8221; for an explanation of the impact of regulatory capital
      requirements on Broadway Federal&#8217;s ability to pay dividends.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Equity Compensation Plan Information</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following table provides information about the Company&#8217;s common stock that may be issued under equity compensation plans as of December 31, 2020.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z072675fd91a2472dbdd0d7e0b3b0ed2d" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid #000000;">
            <div>
              <div style="text-align: center; font-weight: bold;">Plan category</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Number of</div>
              <div style="text-align: center; font-weight: bold;">securities to be</div>
              <div style="text-align: center; font-weight: bold;">issued upon exercise</div>
              <div style="text-align: center; font-weight: bold;">of outstanding</div>
              <div style="text-align: center; font-weight: bold;">options</div>
              <div style="text-align: center; font-weight: bold;">(a)</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Weighted average</div>
              <div style="text-align: center; font-weight: bold;">exercise price of</div>
              <div style="text-align: center; font-weight: bold;">outstanding options</div>
              <div style="text-align: center; font-weight: bold;">(b)</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Number of securities</div>
              <div style="text-align: center; font-weight: bold;">remaining available for</div>
              <div style="text-align: center; font-weight: bold;">future issuance under</div>
              <div style="text-align: center; font-weight: bold;">equity compensation</div>
              <div style="text-align: center; font-weight: bold;">plans (excluding</div>
              <div style="text-align: center; font-weight: bold;">securities reflected</div>
              <div style="text-align: center; font-weight: bold;">in column (a))</div>
              <div style="text-align: center; font-weight: bold;">(c)</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -27pt; margin-left: 27pt;">Equity compensation plans approved by security holders:</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -27pt; margin-left: 36pt;">2008 Long Term Incentive Plan</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>450,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>1.62</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: #CCEEFF;">
            <div style="text-align: right;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -27pt; margin-left: 36pt;">2018 Long Term Incentive Plan</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">
            <div style="text-align: right;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">
            <div style="text-align: right;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
            <div>663,842</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -27pt; margin-left: 27pt;">Equity compensation plans not approved by security holders:</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">
            <div style="text-indent: -27pt; margin-left: 36pt;">None</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -27pt; margin-left: 45pt;">Total</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>450,000</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>1.62</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>663,842</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">In February 2020 and January 2019, the Company awarded 30,930 and 42,168 shares of common stock, respectively, to its directors under the 2018 LTIP, which are fully vested.&#160; The Company recorded $45 thousand and $52
      thousand of compensation expense for the quarters ended March 31, 2020 and March 31, 2019, respectively, based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">24</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify;">In February 2020 and 2019, the Company awarded 140,218 shares and 428,797 shares, of which 12,033 shares were forfeited as of December 31, 2020, respectively, of restricted stock to its officers and employees under the
      2018 LTIP.&#160; Each restricted stock award is valued based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award.&#160; These awarded shares of restricted stock are fully
      vested over a two-year period from their respective dates of grants. Stock based compensation expense is recognized on a straight-line basis over the vesting period.&#160; During the years ended December 31, 2020 and 2019, the Company recorded $340
      thousand and $216 thousand of stock based compensation expense related to these awards, respectively.&#160; As of December 31, 2020, the unrecognized compensation cost related to non-vested restricted stock awards was $154 thousand which is expected to be
      recognized over a period of 14 months.&#160; However, 140,218 shares scheduled to vest in February 2022 will become fully vested upon the closing of the City First Merger, which is expected to occur on April 1, 2021.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z6ceb4e782c124026af625793cc3cc123" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 7.<a name="ITEM7."><!--Anchor--></a></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-weight: bold;">MANAGEMENT&#8217;S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</div>
          </td>
        </tr>

    </table>
    <div> <br>
    </div>
    <div style="text-align: justify;">The following discussion is intended to provide a reader of our financial statements with a narrative from the perspective of our management on our financial condition, results of operations, liquidity and other
      factors that have affected our reported results of operations and financial condition or may affect our future results or financial condition. Our MD&amp;A should be read in conjunction with the Consolidated Financial Statements and related Notes
      included in Item 8, &#8220;Financial Statements and Supplementary Data,&#8221; of this Annual Report on Form 10 K.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Overview</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Total assets increased by $43.0 million to $483.4 million at December 31, 2020 from $440.4 million at December 31, 2019.&#160; The growth in total assets was primarily comprised of an increase of $80.5 million in
      interest-bearing cash in other banks offset by a decrease of $37.7 million in net loans receivable held for investment.&#160; The Bank had no REO as of December 31, 2019.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Total liabilities increased by $43.0 million to $434.5 million at December 31, 2020 from $391.5 million at December 31, 2019. The increase in total liabilities during 2020 resulted primarily from increases of $26.5
      million in FHLB advances and $17.9 million in total deposits, offset by a decrease of $1.0 million in junior subordinated debentures.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We recorded a net loss of $642 thousand for the year ended December 31, 2020 compared to a net loss of $206 thousand for the year ended December 31, 2019. The loss during the year ended December 31, 2020 was primarily
      due to an increase in professional service fees of $1.2 million, of which $960 thousand pertained to expenses related to the City First Merger and $243 thousand related to costs incurred to respond to actions by a former stockholder. In addition,
      compensation expense increased by $1.0 million compared to the same period of 2019 primarily due to $580 thousand accrued for bonuses to key employees .&#160; These items were partially offset by higher net interest income before loan loss provision of
      $1.7 million compared to the same period of 2019 due to growth in the average loan portfolio, and decreases in the cost of funds.&#160; In addition, an income tax credit adjustment of $273 thousand was received during 2020 due to a tax settlement with the
      California Franchise Tax Board, which offset the additional tax expense associated with non-deductible merger costs.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following table summarizes the return on average assets, the return on average equity and the average equity to average assets ratios for the periods indicated:</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="zb661ececb38d4f788be8c5f2dd8eefc5" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="10" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div> </div>
              <div style="text-align: center; font-weight: bold;">For the Year Ended</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div> </div>
              <div style="text-align: center; font-weight: bold;">2020</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div> </div>
              <div style="text-align: center; font-weight: bold;">2019</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
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              <div> </div>
              <div style="text-align: center; font-weight: bold;">2018</div>
              <div> </div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="10" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Return on average assets</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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            <div>(0.13</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(0.05</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>0.20</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Return on average equity</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>(1.30</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>(0.42</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>1.71</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 64%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Average equity to average assets</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>10.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>11.58</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>11.58</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">25</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
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            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify; font-weight: bold;">Comparison of Operating Results for the Years Ended December 31, 2020 and 2019</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">General</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our most significant source of income is net interest income, which is the difference between our interest income and our interest expense. Generally, interest income is generated from our loans and investments
      (interest earning assets) and interest expense is incurred from deposits and borrowings (interest bearing liabilities). Typically, our results of operations are also affected by our provision for or loan loss provision recapture, non-interest income
      generated from service charges and fees on loan and deposit accounts, gains or losses on the sale of loans and REO, non-interest expenses, and income taxes.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Net Interest Income</div>
    <div>&#160;</div>
    <div style="text-align: justify;">For the year ended December 31, 2020, net interest income increased by $1.7 million to $12.2 million, from $10.5 million for the same period in 2019.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Interest and fees on loans receivable increased by $1.2 million for the year ended December 31, 2020 compared to the same period a year ago. The increase was primarily due to an increase of $43.7 million in the average
      balance of loans receivable, including loans held for sale, which increased interest income by $1.8 million, partially offset by a decrease of 16 basis points in loan yield, which decreased interest income by $623 thousand.&#160; The decrease in loan
      yield included the impact of a decrease in interest recoveries in 2020 compared to 2019 because $209 thousand of payoffs were received in 2020 on non-accrual loans.&#160; Those payoffs decreased the loan yield in 2020 by 6 basis points.&#160; Interest income
      on loans receivable was also negatively impacted by loan sales during the year, which totaled $104.3 million.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Interest income on securities decreased by $106 thousand for the year ended December 31, 2020 compared to the prior year due to a decrease of $2.9 million in the average balance of securities, which decreased interest
      income by $72 thousand and a decrease of 26 basis points in the average yield on securities, which decreased interest income by $34 thousand.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Other interest income decreased by $268 thousand for the year ended December 31, 2020 compared to the prior year.&#160; The decrease in other interest income primarily resulted from a decrease of 185 basis points in the
      average rate earned on interest-earnings deposits and other short-term investments, which decreased interest income by $551 thousand, offset by a net increase in the average balance of interest earning cash deposits in other banks of $29.9 million,
      which increased interest income by $315 thousand.&#160; In addition, interest income earned on FHLB stock decreased by $32 thousand, primarily due to a decrease of 200 basis points in the average rate earned during the year ended December 31, 2020.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Interest expense on deposits decreased by $1.1 million for the year ended December 31, 2020 compared to the prior year, primarily due to a decrease of 51 basis points in the average cost of deposits, offset by an
      increase of $34.5 million in the average balance of total deposits.&#160; The increase in deposits was primarily due to growth in NOW accounts, savings accounts and money market accounts due to large deposits from corporations and organizations that were
      seeking to support Broadway&#8217;s mission and position as a Minority Depository Institution.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Interest expense on borrowings increased by $202 thousand for the year ended December 31, 2020 compared to the prior year, primarily due to a net increase of $317 thousand in interest expense on FHLB advances.&#160; The
      interest expense on FHLB advances increased due to an increase of $37.0 million in the average balance of FHLB advances, which increased interest expense by $740 thousand, partially offset by a decrease of 51 basis points in the average cost of FHLB
      advances, which decreased interest expense by $423 thousand.&#160; The increase in interest expense on FHLB advances was offset by a decrease of $115 thousand in interest expense on the Company&#8217;s junior subordinated debentures.&#160; The interest expense on
      the junior subordinated debentures decreased because the average balance of such junior subordinated debentures decreased by $983 thousand, which decreased interest expense by $44 thousand, and the average interest rate paid on the junior
      subordinated debentures decreased by 167 basis points, which decreased interest expense by $71 thousand.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Net interest rate margin decreased by 2 basis points to 2.52% for the year ended December 31, 2020 from 2.54% for the same period in 2019, primarily due to the lower average rates earned on interest earning cash
      deposits in other banks.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">26</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify;"><u>Analysis of Net Interest Income</u></div>
    <div>&#160;</div>
    <div style="text-align: justify;">Net interest income is the difference between income on interest earning assets and the expense on interest bearing liabilities. Net interest income depends upon the relative amounts of interest earning assets and
      interest bearing liabilities and the interest rates earned or paid on them. The following table sets forth average balances, average yields and costs, and certain other information for the years indicated. All average balances are daily average
      balances. The yields set forth below include the effect of deferred loan fees, deferred origination costs, and discounts and premiums that are amortized or accreted to interest income or expense. We do not accrue interest on loans that are on
      non-accrual status; however, the balance of these loans is included in the total average balance, which has the effect of reducing average loan yields.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" id="z0cd1a676a9fb475e93b2cec4844ca85d" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 19%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="34" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;">For the year ended December 31,</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 19%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="10" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;"> 2020</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="10" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;">2019</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="10" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;">2018</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" rowspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 19%;">
            <div>
              <div style="font-style: italic;">(Dollars in Thousands)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center;">Average</div>
              <div style="text-align: center;">Balance</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center;">Interest</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center;">Average</div>
              <div style="text-align: center;">Yield/</div>
              <div style="text-align: center;">Cost</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center;">Average</div>
              <div style="text-align: center;">Balance</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center;">Interest</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center;">Average</div>
              <div style="text-align: center;">Yield/</div>
              <div style="text-align: center;">Cost</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center;">Average</div>
              <div style="text-align: center;">Balance</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center;">Interest</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center;">Average</div>
              <div style="text-align: center;">Yield/</div>
              <div style="text-align: center;">Cost</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%;">
            <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Assets</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Interest&#8209;earning assets:</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <td valign="bottom" style="vertical-align: top; width: 19%; background-color: rgb(204, 238, 255);">
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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            <div>49,377</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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            <div>203</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>0.41</div>
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            <div>%</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>19,447</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>439</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>2.26</div>
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            <div>%</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>15,470</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>294</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>1.90</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Securities</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>10,605</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>253</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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            <div>2.39</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>13,531</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>359</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>2.65</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>16,019</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>413</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>2.58</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
          </td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Loans receivable <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>418,952</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>17,016</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup>4.06</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>375,206</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>15,845</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(3)&#160;&#160;</sup>4.22</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div><br>
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            %</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>366,453</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>14,279</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(4)</sup>3.90</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div><br>
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            %</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">FHLB stock</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>3,438</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>172</div>
              <div></div>
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          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px;">
            <div>5.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>2,916</div>
              <div></div>
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          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>204</div>
              <div></div>
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          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>7.00</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>
              <div>%</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>2,916</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>251</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px;">
            <div>8.61</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total interest&#8209;earning assets</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>482,372</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
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          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>17,644</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>3.66</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>411,100</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>16,847</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>4.10</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>400,858</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
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          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>15,237</div>
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          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>3.80</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Non&#8209;interest&#8209;earning assets</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>10,530</div>
              <div></div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>10,809</div>
              <div></div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>10,225</div>
              <div></div>
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          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total assets</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>492,902</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>421,909</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255); padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255); padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>$</div>
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          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>411,083</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%;">
            <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Liabilities and Stockholders&#8217; Equity</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Interest&#8209;bearing liabilities:</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Money market deposits</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>47,611</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>340</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>0.71</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>25,297</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>222</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>0.88</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>37,489</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>320</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>0.85</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
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        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Passbook deposits</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>55,985</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>281</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>0.50</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>45,548</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>285</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>0.63</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>41,975</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>175</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>0.42</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">NOW and other demand deposits</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>55,003</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>19</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>0.03</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>34,091</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>11</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>0.03</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>34,779</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>31</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>0.09</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Certificate accounts</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>161,409</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>2,523</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>1.56</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>180,611</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>3,758</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>2.08</div>
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          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>
              <div>%</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>164,703</div>
              <div></div>
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          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>2,563</div>
              <div></div>
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          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>1.56</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total deposits</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>320,008</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>3,163</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>0.99</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>285,547</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>4,276</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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            <div>1.50</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>278,946</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>3,089</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>1.11</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">FHLB advances</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>114,020</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>2,179</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>1.91</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>77,049</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>1,862</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>2.42</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>74,729</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>1,590</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>2.13</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Junior subordinated debentures</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>3,908</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>133</div>
              <div></div>
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          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px;">
            <div>3.40</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>4,891</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>248</div>
              <div></div>
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          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>5.07</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>
              <div>%</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>5,100</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div>250</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px;">
            <div>4.90</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total interest&#8209;bearing liabilities</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>437,936</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
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          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>5,475</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>1.25</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>367,487</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>6,386</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>1.74</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>%</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>358,775</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
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          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>4,929</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div>1.37</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Non&#8209;interest&#8209;bearing liabilities</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>5,655</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>5,566</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>4,699</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Stockholders&#8217; Equity</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>49,311</div>
              <div></div>
            </div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>48,856</div>
              <div></div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div>
              <div>47,609</div>
              <div></div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; padding-bottom: 4px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total liabilities and stockholders&#8217; equity</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
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              <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0);">
            <div>
              <div>492,902</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
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              <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0);">
            <div>
              <div>421,909</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
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              <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0);">
            <div>
              <div>411,083</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; padding-bottom: 4px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Net interest rate spread <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(5)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
            <div>
              <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0);">
            <div>
              <div>12,169</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">
            <div>2.41</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
            <div>%</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
            <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">
            <div>10,461</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">
            <div>2.36</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
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              <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0);">
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              <div>10,308</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; padding-bottom: 4px;">
            <div>2.43</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
            <div>%</div>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Net interest rate margin <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(6)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div>2.52</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>%</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 19%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Ratio of interest&#8209;earning assets to interest&#8209;bearing liabilities</div>
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          <td valign="bottom" style="vertical-align: top; width: 1%;">&#160;</td>
          <td valign="bottom" style="vertical-align: top; width: 1%;">&#160;</td>
          <td valign="bottom" style="vertical-align: top; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>110.15</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>111.87</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div>111.73</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
          </td>
        </tr>

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    <div><br>
    </div>
    <div>
      <hr noshade="noshade" align="left" style="height: 2px; width: 5%; color: #000000; background-color: #000000; margin-left: 0px; margin-right: auto; border: none;"></div>
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        <tr>
          <td style="width: 36pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Amount is net of deferred loan fees, loan discounts and loans in process, and includes deferred origination costs, loan premiums and loans receivable held for sale.</div>
          </td>
        </tr>

    </table>
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        <tr>
          <td style="width: 36pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Includes non&#8209;accrual interest of $162 thousand, reflecting interest recoveries on non&#8209;accrual loans that were paid off for the year ended December 31, 2020.</div>
          </td>
        </tr>

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        <tr>
          <td style="width: 36pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup></td>
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            <div>Includes non-accrual interest of $567 thousand, reflecting interest recoveries on non-accrual loans that were paid off, and deferred cost amortization of $254 thousand for the year ended December 31, 2019.</div>
          </td>
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        <tr>
          <td style="width: 36pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(4)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Includes non-accrual interest of $40 thousand, reflecting interest recoveries on non-accrual loans that were paid off, and deferred cost amortization of $503 thousand for the year ended December 31, 2018.</div>
          </td>
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        <tr>
          <td style="width: 36pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(5)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Net interest rate spread represents the difference between the yield on average interest&#8209;earning assets and the cost of average interest&#8209;bearing liabilities.</div>
          </td>
        </tr>

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        <tr>
          <td style="width: 36pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(6)</sup></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Net interest rate margin represents net interest income as a percentage of average interest&#8209;earning assets.</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">Changes in our net interest income are a function of changes in both rates and volumes of interest earning assets and interest bearing liabilities. The following table sets forth information regarding changes in our
      interest income and expense for the years indicated. Information is provided in each category with respect to (i) changes attributable to changes in volume (changes in volume multiplied by prior rate), (ii) changes attributable to changes in rate
      (changes in rate multiplied by prior volume), and (iii) the total change. The changes attributable to the combined impact of volume and rate have been allocated proportionately to the changes due to volume and the changes due to rate.</div>
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      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">27</font></div>
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        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <table cellspacing="0" cellpadding="0" id="z132fc7a31f824ac3925075cb43864aa1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="10" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Year ended December 31, 2020</div>
              <div style="text-align: center; font-weight: bold;">Compared to</div>
              <div style="text-align: center; font-weight: bold;">Year ended December 31, 2019</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="10" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Year ended December 31, 2019</div>
              <div style="text-align: center; font-weight: bold;">Compared to</div>
              <div style="text-align: center; font-weight: bold;">Year ended December 31, 2018</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="10" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Increase (Decrease) in Net</div>
              <div style="text-align: center; font-weight: bold;">Interest Income</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="10" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Increase (Decrease) in Net</div>
              <div style="text-align: center; font-weight: bold;">Interest Income</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Due to</div>
              <div style="text-align: center; font-weight: bold;">Volume</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Due to</div>
              <div style="text-align: center; font-weight: bold;">Rate</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Total</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Due to</div>
              <div style="text-align: center; font-weight: bold;">Volume</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Due to</div>
              <div style="text-align: center; font-weight: bold;">Rate</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Total</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="22" style="vertical-align: bottom;">
            <div style="text-align: center; font-weight: bold;">(In thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Interest&#8209;earning assets:</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Interest&#8209;earning deposits and other short&#8209;term investments</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>315</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(551</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>)</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(236</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>)</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>84</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>61</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>145</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Securities</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>(72</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>)</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>(34</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>(106</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>(66</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>12</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>(54</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>)</div>
          </td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Loans receivable, net</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>1,794</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(623</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>)</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>1,171</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>347</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>1,219</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>1,566</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">FHLB stock</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>33</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>(65</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>(32</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>-</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>(47</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>(47</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>
              <div>)</div>
            </div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total interest&#8209;earning assets</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>2,070</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>(1,273</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>797</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>365</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>1,245</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>1,610</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Interest&#8209;bearing liabilities:</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Money market deposits</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>166</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(48</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>118</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(107</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(98</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>)</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Passbook deposits</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>58</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>(62</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>(4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>16</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>94</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>110</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">NOW and other demand deposits</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>7</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>8</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(19</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(20</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>)</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Certificate accounts</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>(370</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>(865</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>(1,235</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>266</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>929</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>1,195</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total deposits</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(139</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(974</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>(1,113</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>174</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>1,013</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>1,187</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%;">
            <div style="text-indent: -9pt; margin-left: 9pt;">FHLB advances</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>740</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>(423</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>)</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>317</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>51</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>221</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>272</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Junior subordinated debentures</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>(44</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>(71</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>(115</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>(10</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>8</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
            <div>
              <div>(2</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div>
              <div>)</div>
            </div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Total interest&#8209;bearing liabilities</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>557</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>(1,468</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>(911</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
            <div>
              <div>)</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>215</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>1,242</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div>
              <div>1,457</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Change in net interest income</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>1,513</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>195</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>1,708</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>150</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>3</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>153</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
        </tr>

    </table>
    <div>&#160;</div>
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      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">28</font></div>
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      </div>
    </div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Loan Loss Provision/Recapture</div>
    <div>&#160;</div>
    <div style="text-align: justify;">During the year ended December 31, 2020, we recorded a loan loss provision of $29 thousand due to economic uncertainties related to the COVID-19 Pandemic.&#160; In addition, we recorded loan loss recoveries of $4 thousand
      during the year ended December 31, 2020.&#160; For the year ended December 31, 2019, we recorded a net loan loss provision recapture of $7 thousand, which was comprised of a loan loss provision recapture of $348 thousand in the first quarter due to
      payoffs of non-accrual loans, offset by loan loss provisions of $47 thousand in the third quarter and $294 thousand in the fourth quarter due to growth in the loan portfolio.&#160; Loan loss recoveries of $260 thousand were recorded during 2019.&#160; See
      &#8220;Allowance for Loan Losses&#8221; for additional information.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Non&#8209;Interest Income</div>
    <div>&#160;</div>
    <div style="text-align: justify;">For the year ended December 31, 2020, non-interest income totaled $1.0 million compared to $1.1 million for the prior year.&#160; The decrease of $27 thousand in non-interest income was primarily due to a decrease of $71
      thousand in service charges on deposits and a decrease of $30 thousand in grant income from the U.S. Department of the Treasury&#8217;s Community Development Financial Institution (&#8220;CDFI&#8221;) Fund, offset by an increase of $72 thousand in gains generated from
      sales of loans during 2020 compared to 2019.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Non&#8209;Interest Expense</div>
    <div>&#160;</div>
    <div style="text-align: justify;">For the year ended December 31, 2020, non-interest expense totaled $14.2 million, compared to $12.1 million for the same period a year ago.&#160; The increase of $2.1 million in non-interest expense was primarily due to
      increases of $1.2 million in professional services expense and $1.0 million in compensation and benefits expense.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The increase of $1.2 million in professional services expense was primarily due to an increase of $863 thousand in legal fees and $317 thousand in financial advisory and consulting fees.&#160; The increase in legal fees was
      comprised of $704 thousand related to the City First Merger and $243 thousand related to legal expenses incurred to respond to activities conducted by a former stockholder against the Company, offset by a decrease of $84 thousand in miscellaneous
      legal fees related to other matters.&#160; Financial advisory and consulting services fees increased primarily due to $255 thousand of expenses related to the City First Merger.</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="text-align: justify;">
      <div>The increase of $1.0 million in compensation and benefits expense was primarily due to increased bonus accruals of $580 thousand related to the City First Merger and planning for post-merger integration and the related private placements (See
        ITEM 1. &#8220;BUSINESS--General&#8221; for more detail), higher salary costs of $222 thousand, and increased vacation accruals of $53 thousand.&#160; In addition, the Bank recorded lower deferred loan origination costs of $244 thousand during 2020 compared to the
        prior year because there were fewer loans originated for the loans receivable held for investment portfolio during 2020 compared to the prior year.</div>
    </div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Income Taxes.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We recorded income tax benefits of $407 thousand and $345 thousand for the year ended December 31, 2020 and 2019, respectively. The increase of $62 thousand in income tax benefit was primarily due to a tax credit of
      $273 thousand related to the resolution of an outstanding audit issue with the California Franchise Tax Board for tax years 2009 to 2013 and a tax benefit from the increase in pretax loss during the year, partially offset by additional tax expense
      associated with non-deductible merger related expenses.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The deferred tax asset totaled $5.6 million at December 31, 2020 and $5.2 million at December 31, 2019. See Note 1 &#8220;Summary of Significant Accounting Policies&#8221; and Note 13 &#8220;Income Taxes&#8221; of the Notes to Consolidated
      Financial Statements for a further discussion of income taxes and a reconciliation of income tax at the federal statutory tax rate to actual tax expense (benefit).</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Section 382 of the Internal Revenue Code imposes limitations on a corporation&#8217;s ability to utilize net operating loss carryforwards, tax credit carryovers and other income tax attributes when there is an ownership
      change. Generally, the rules provide that an ownership change is deemed to have occurred when the cumulative increase of each 5% or more stockholder and certain groups of stockholders treated as 5% or more stockholders, as determined under Section
      382, exceeds 50% over a specified &#8220;testing&#8221; period, generally equal to three years. Section 382 applies rules regarding the treatment of new groups of stockholders treated as 5% stockholders due to issuances of stock and other equity transactions,
      which may cause a change of control to occur. The Company has performed an analysis of the potential impact of Section 382 and has determined that the Company did not undergo an ownership change during 2020 or 2019 and any potential limitations
      imposed under Section 382 do not currently apply as of December 31, 2020.&#160; However, upon the completion of the private placements, there could be a triggering event which may result in a change of control. Based on management&#8217;s preliminary estimates,
      there could be limitations on our deferred tax assets that may require an impairment allowance of approximately $2.4 million.</div>
    <div>&#160;</div>
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      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">29</font></div>
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    </div>
    <div style="text-align: justify; font-weight: bold;">Comparison of Financial Condition at December 31, 2020 and 2019</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Total Assets</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Total assets increased by $43.0 million to $483.4 million at December 31, 2020 from $440.4 million at December 31, 2019.&#160; The growth in total assets was primarily comprised of increases of $80.5 million in cash&#160; and
      cash equivalents, offset by decreases of $37.7 million in net loans receivable held for investment.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Loans Receivable Held for Sale</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Bank had no loans held for sale as of December 31, 2020 and 2019.&#160; During 2020, the Bank originated $118.6 million in loans held for sale, sold $104.3 million in loans held for sale, transferred $13.7 million from
      loans held for sale to loans held for investment, and received $637 thousand in loan repayments.&#160; During 2019, the Bank originated $15.1 million in loans held for sale, sold $22.7 million in loans held for sale, transferred $1.5 million to loans held
      for sale from loans held for investment, and received $115 thousand in loan repayments.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Loans Receivable Held for Investment</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Loans receivable held for investment, net of the allowance for loan losses, totaled $360.1 million at December 31, 2020, compared to $397.8 million at December 31, 2019.&#160; During 2020, the Bank originated $134.3 million
      in new loans, $120.8 million of which were multi-family loans, $11.9 million of which were commercial real estate loans, $1.5 million of which construction loans, and $66 thousand of which were commercial loans. Of the multi-family loans originated
      in 2020, we allocated $118.6 million, or 98%, to loans held for sale and $2.2 million, or 2%, to loans held for investment.&#160; In addition, we transferred $13.7 million to loans held for investment from loans held for sale.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">During 2019, the Bank originated $114.4 million in new loans, $103.1 million of which were multi-family loans, $9.5 million of which were commercial real estate loans, $1.7 million of which were construction loans, and
      $49 thousand of which were commercial loans.&#160; Of the multi-family loans originated in 2019, we allocated $87.9 million, or 85%, to loans held for investment and $15.2 million, or 15%, to loans held for sale. In addition, we transferred net loans of
      $1.5 million to loans held for sale from loans held for investment.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Broadway did not participate in the Small Business Administration&#8217;s (&#8220;SBA&#8221;) Paycheck Protection Program (&#8220;PPP&#8221;) because the Bank has not historically offered SBA loans.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Allowance for Loan Losses</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We record a provision for loan losses as a charge to earnings when necessary in order to maintain the ALLL at a level sufficient, in management&#8217;s judgment, to absorb probable incurred losses in the loan portfolio. At
      least quarterly we assess the overall quality of the loan portfolio and general economic trends in the local market. The determination of the appropriate level for the allowance is based on that review, considering such factors as historical loss
      experience for each type of loan, the size and composition of our loan portfolio, the levels and composition of our loan delinquencies, non&#8209;performing loans and net loan charge&#8209;offs, the value of underlying collateral on problem loans, regulatory
      policies, general economic conditions, and other factors related to the collectability of loans in the portfolio.&#160; As of December 31, 2020, the Bank had no delinquencies, deferrals or modifications.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our ALLL was $3.2 million or 0.88% of our gross loans receivable held for investment at December 31, 2020 compared to $3.2 million, or 0.79% of our gross loans receivable held for investment at December 31, 2019.&#160;
      During the year ended December 31, 2020, we recorded a loan loss provision of $29 thousand and recorded loan loss recoveries of $4 thousand. For the year ended December 31, 2019, we recorded a net loan loss provision recapture of $7 thousand, which
      was comprised of a loan loss provision recapture of $348 thousand in the first quarter due to payoffs of non-accrual loans, offset by loan loss provisions of $47 thousand in the third quarter and $294 thousand in the fourth quarter due to growth in
      the loan portfolio.&#160; In addition, we recorded loan loss recoveries of $260 thousand during 2019.</div>
    <div style="text-align: justify;"> <br>
    </div>
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      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">30</font></div>
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    </div>
    <div style="text-align: justify;">As of December 31, 2020, we had no loan delinquencies compared to total loan delinquencies of $18 thousand at December 31, 2019.&#160; Our non-performing loans (&#8220;NPLs&#8221;) consist of delinquent loans that are 90 days or more
      past due and other loans, including troubled debt restructurings that do not qualify for accrual status. At December 31, 2020, NPLs totaled $787 thousand compared to $424 thousand at December 31, 2019. The increase of $363 thousand in NPLs was
      primarily due to an addition of a church loan of $554 thousand to non-accrual status during the second quarter of 2020, offset by a sale of $123 thousand and repayments of $68 thousand.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In connection with our review of the adequacy of our ALLL, we track the amount and percentage of our NPLs that are paying currently, but nonetheless must be classified as NPL for reasons unrelated to payments, such as
      lack of current financial information and an insufficient period of satisfactory performance. As of December 31, 2020, all $787 thousand of NPLs were current in their payments.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">When reviewing the adequacy of the ALLL, we also consider the impact of charge&#8209;offs, including the changes and trends in loan charge&#8209;offs. There were no loan charge&#8209;offs during 2020 and 2019. In determining
      charge&#8209;offs, we update our estimates of collateral values on NPLs by obtaining new appraisals at least every nine months. If the estimated fair value of the loan collateral less estimated selling costs is less than the recorded investment in the
      loan, a charge&#8209;off for the difference is recorded to reduce the loan to its estimated fair value, less estimated selling costs. Therefore, any losses inherent in our total NPLs are recognized periodically through charge&#8209;offs. The impact of updating
      these estimates of collateral value and recognizing any required charge&#8209;offs is to increase charge&#8209;offs and reduce the ALLL required on these loans. Due to prior charge&#8209;offs and increases in collateral values, the average recorded investment in NPLs
      was only 35% of estimated fair value less estimated selling costs as of December 31, 2020.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Loan loss recoveries totaled $4 thousand during 2020 and $260 thousand during 2019. Recoveries during 2020 and 2019 primarily resulted from the payoffs of non&#8209;accrual loans which had been previously partially charged
      off.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Impaired loans at December 31, 2020 were $4.7 million, compared to $5.3 million at December 31, 2019. The decrease of $611 thousand in impaired loans was primarily due to payoffs and repayments. Specific reserves for
      impaired loans were $141 thousand or 2.98% of the aggregate impaired loan amount at December 31, 2020 compared to $147 thousand, or 2.74% of the aggregate impaired loan amount at December 31, 2019. Excluding specific reserves for impaired loans, our
      coverage ratio (general allowance as a percentage of total non&#8209;impaired loans) was 0.85% at December 31, 2020 compared to 0.76% at December 31, 2019. The increase in the coverage ratio during 2020 was primarily due to an increase in unallocated
      reserves due to the COVID-19 Pandemic and a decrease in the loan portfolio balance.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We believe that the ALLL is adequate to cover probable incurred losses in the loan portfolio as of December 31, 2020, but there can be no assurance that actual losses will not exceed the estimated amounts. In addition,
      the OCC and the FDIC periodically review the ALLL as an integral part of their examination process. These agencies may require an increase in the ALLL based on their judgments of the information available to them at the time of their examinations.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Total Liabilities</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Total liabilities increased by $43.0 million to $434.5 million at December 31, 2020 from $391.5 million at December 31, 2019.&#160; The increase in total liabilities was primarily comprised of increases of $26.5 million in
      FHLB advances and $17.9 million in deposits, offset by a decrease of $1.0 million in junior subordinated debentures.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Deposits</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Deposits increased by $17.9 million to $315.6 million at December 31, 2020 from $297.7 million at December 31, 2019, which consisted of an increase of $79.4 million in liquid deposits and a decrease of $61.5 million in
      CDs.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Two customer relationships accounted for approximately 13% of our deposits at December 31, 2020. We expect to maintain this relationship with the customer for the foreseeable future.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Borrowings</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Total borrowings at December 31, 2020 consisted of advances to the Bank from the FHLB of $110.5 million, and junior subordinated debentures issued by the Company of $3.3 million, compared to advances from the FHLB of
      $84.0 million and junior subordinated debentures of $4.3 million at December 31, 2019. During 2020, the Bank paid off $33.5 million in maturing FHLB advances, borrowed $60.0 million in new advances from the FHLB and repaid $1.0 million of its junior
      subordinated debentures.</div>
    <div style="text-align: justify;"> <br>
    </div>
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      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">31</font></div>
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    </div>
    <div style="text-align: justify;">The weighted average cost of FHLB advances decreased by 48 basis points to 1.94% at December 31, 2020 from 2.42% at December 31, 2019 primarily due to lower interest rates.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Stockholders&#8217; Equity</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Stockholders&#8217; equity was $48.9 million, or 10.11% of the Company&#8217;s total assets at December 31, 2020, compared to $48.8 million, or 11.09% of the Company&#8217;s total assets at December 31, 2019. The Company&#8217;s book value
      was $1.74 per share as of December 31, 2020, compared to $1.75 per share as of December 31, 2019.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Capital Resources</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our principal subsidiary, Broadway Federal, must comply with capital standards established by the OCC in the conduct of its business. Failure to comply with such capital requirements may result in significant
      limitations on its business or other sanctions. As a &#8220;small bank holding company&#8221;, we are not subject to consolidated capital requirements under the new Basel III capital rules. The current regulatory capital requirements and possible consequences of
      failure to maintain compliance are described in Part I, Item 1 &#8220;Business&#8209;Regulation&#8221; and in Note 15 of the Notes to Consolidated Financial Statements.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Liquidity</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The objective of liquidity management is to ensure that we have the continuing ability to fund operations and meet our obligations on a timely and cost&#8209;effective basis. The Bank&#8217;s sources of funds include deposits,
      advances from the FHLB, other borrowings, proceeds from the sale of loans, REO, and investment securities, and payments of principal and interest on loans and investment securities. The Bank is currently approved by the FHLB to borrow up to 40% of
      total assets to the extent the Bank provides qualifying collateral and holds sufficient FHLB stock. The approved limit and collateral requirement would have permitted the Bank to borrow an additional $40.3 million at December 31, 2020.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Bank&#8217;s primary uses of funds include withdrawals of and interest payments on deposits, originations of loans, purchases of investment securities, and the payment of operating expenses. Also, when the Bank has more
      funds than required for reserve requirements or short&#8209;term liquidity needs, the Bank invests excess cash with the Federal Reserve Bank or other financial institutions. The Bank&#8217;s liquid assets at December 31, 2020 consisted of $96.1 million in cash
      and cash equivalents and $10.7 million in securities available&#8209;for&#8209;sale that were not pledged, compared to $15.6 million in cash and cash equivalents and $11.0 million in securities available&#8209;for&#8209;sale that were not pledged at December 31, 2019. We
      believe that the Bank has sufficient liquidity to support growth over the foreseeable future.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Company&#8217;s liquidity, separate from the Bank, is based primarily on proceeds from financing transactions, including the private placements completed in August 2013, October 2014, December 2016 and the private
      placements expected to be completed shortly after the closing of the City First Merger, as well as dividends received from the Bank in 2017, 2018, 2019 and 2020. The Bank is currently under no prohibition to pay dividends but is subject to
      restrictions as to the amount of the dividends it can pay based on normal regulatory guidelines.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Company recorded consolidated net cash outflows from operating activities of $13.6 million during the year ended December 31, 2020 and net cash inflows from operating activities of $8.5 million during the year
      ended December 31, 2019. Net cash outflows from operating activities during 2020 were primarily attributable to originations of loans receivable held for sale of $118.6 million offset by proceeds from sales and repayments of loans receivable held for
      sale of $105.2 million.&#160; Net cash inflows from operating activities during 2019 were primarily attributable to proceeds from sales and repayments of loans receivable held for sale of $23.1 million, offset by originations of loans receivable held for
      sale of $15.2 million.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Company recorded consolidated net cash inflows from investing activities of $50.7 million during the year ended December 31, 2020 and net cash outflows from investing activities of $39.1 million during the year
      ended December 31, 2019. Net cash inflows from investing activities during 2020 were primarily attributable to a net decrease in loans receivable held for investment of $51.1 million and principal repayments on available-for-sale securities of $2.5
      million, offset by purchases of available-for-sale municipal bonds of $2.0 million and purchase of FHLB stock of $742 thousand.&#160; Net cash outflows from investing activities during 2019 were primarily attributable to a net increase in loans receivable
      held for investment of $44.0 million, offset by principal repayments on available&#8209;for&#8209;sale securities of $4.1 million and proceeds from the sale of REO of $820 thousand.</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">32</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify;">The Company recorded consolidated net cash inflows from financing activities of $43.4 million and $29.5 million during the year ended December 31, 2020 and 2019, respectively.&#160; Net cash inflows from financing
      activities during 2020 were primarily attributable to an increase in proceeds from FHLB advances of $60.0 million and&#160; a net inflow of deposits of $17.9 million, offset by repayments of FHLB advances of $33.5 million and repayments of junior
      subordinated debentures of $1.0 million.&#160; Net cash inflows from financing activities during 2019 were primarily attributable to an increase in proceeds from FHLB advances of $22.0 million and an increase in deposits of $16.3 million, offset by
      repayments of FHLB advances of $8.0 million and repayments of junior subordinated debentures of $765 thousand.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Off&#8209;Balance&#8209;Sheet Arrangements and Contractual Obligations</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We are party to financial instruments with off&#8209;balance&#8209;sheet risk in the normal course of our business, primarily in order to meet the financing needs of our customers. These instruments involve, to varying degrees,
      elements of credit, interest rate and liquidity risk. In accordance with GAAP, these instruments are either not recorded in the consolidated financial statements or are recorded in amounts that differ from the notional amounts. Such instruments
      primarily include lending commitments and lease commitments as described below.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Lending commitments include commitments to originate loans and to fund lines of credit. Commitments to extend credit are agreements to lend to a customer if there is no violation of any condition established in the
      commitment. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee by the borrower. Since some of the commitments are expected to expire without being drawn upon, the total commitment amounts
      do not necessarily represent future cash requirements. We evaluate creditworthiness on a case&#8209;by&#8209;case basis. Our maximum exposure to credit risk is represented by the contractual amount of the instruments.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In addition to our lending commitments, we have contractual obligations related to operating lease commitments. Operating lease commitments are obligations under various non&#8209;cancellable operating leases on buildings
      and land used for office space and banking purposes. The following table details our contractual obligations at December 31, 2020.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z21c4ae8051624940969ed759f706a246" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Less than</div>
              <div style="text-align: center; font-weight: bold;">one year</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">More than</div>
              <div style="text-align: center; font-weight: bold;">one year to</div>
              <div style="text-align: center; font-weight: bold;">three years</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">More than</div>
              <div style="text-align: center; font-weight: bold;">three years to</div>
              <div style="text-align: center; font-weight: bold;">five years</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">More than</div>
              <div style="text-align: center; font-weight: bold;">five years</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: center; font-weight: bold;">Total</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="18" style="vertical-align: bottom;">
            <div style="text-align: center; font-weight: bold;">(Dollars in thousands)</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Certificates of deposit</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>113,221</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>14,904</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>516</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>75</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>128,716</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 9pt;">FHLB advances</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
            <div>27,500</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
            <div>48,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
            <div>35,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">
            <div style="text-align: right;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
            <div>110,500</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Junior subordinated debentures</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>2,040</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>1,275</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>3,315</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Commitments to originate loans</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
            <div>-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">
            <div style="text-align: right;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">
            <div style="text-align: right;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom;">
            <div style="text-align: right;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
            <div>-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 9pt;">Commitments to fund unused lines of credit</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>1,981</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: #CCEEFF;">
            <div style="text-align: right;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: #CCEEFF;">
            <div style="text-align: right;">&#8209;</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>491</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>2,472</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">
            <div style="text-indent: -9pt; margin-left: 9pt;">Operating lease obligations</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px;">
            <div>
              <div>194</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px;">
            <div>
              <div>-</div>
              <div></div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
            <div>
              <div style="text-align: right;">&#8209;</div>
              <div> </div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px;">
            <div>
              <div>194</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -9pt; margin-left: 18pt;">Total contractual obligations</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>144,936</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>64,179</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>35,516</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>566</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>$</div>
            </div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
            <div>
              <div>245,197</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
        </tr>

    </table>
    <div> <br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">33</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
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            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify; font-weight: bold;">Impact of Inflation and Changing Prices</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our consolidated financial statements, including accompanying notes, have been prepared in accordance with GAAP which require the measurement of financial position and operating results primarily in terms of historical
      dollars without considering the changes in the relative purchasing power of money over time due to inflation. The impact of inflation is reflected in increased costs of our operations. Unlike industrial companies, nearly all our assets and
      liabilities are monetary in nature. As a result, interest rates have a greater impact on our performance than do the effects of general levels of inflation. Interest rates do not necessarily move in the same direction or to the same extent as the
      price of goods and services.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Critical Accounting Policies</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Critical accounting policies are those that involve significant judgments and assessments by management, and which could potentially result in materially different results under different assumptions and conditions.
      This discussion highlights those accounting policies that management considers critical. All accounting policies are important, however, and therefore you are encouraged to review each of the policies included in Note 1 &#8220;Summary of Significant
      Accounting Principles&#8221; of the Notes to Consolidated Financial Statements beginning at page F&#8209;6 to gain a better understanding of how our financial performance is measured and reported. Management has identified the Company&#8217;s critical accounting
      policies as follows:</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Allowance for Loan Losses</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The determination of the allowance for loan losses is considered critical due to the high degree of judgment involved, the subjectivity of the underlying assumptions used, and the potential for changes in the economic
      environment that could result in material changes in the amount of the allowance for loan losses considered necessary. The allowance is evaluated on a regular basis by management and the Board of Directors and is based on a periodic review of the
      collectability of the loans in light of historical experience, the nature and size of the loan portfolio, adverse situations that may affect borrowers&#8217; ability to repay, the estimated value of any underlying collateral, prevailing economic conditions
      and feedback from regulatory examinations. See Item 1, &#8220;Business &#8211; Asset Quality &#8211; Allowance for Loan Losses&#8221; for a full discussion of the allowance for loan losses.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Income Taxes</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Deferred tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary
      differences between the book and tax bases of the various balance sheet assets and liabilities and gives current recognition to changes in tax rates and laws. A valuation allowance is established against deferred tax assets when, based upon the
      available evidence including historical and projected taxable income, it is more likely than not that some or all the deferred tax asset will not be realized. In assessing the realization of deferred tax assets, management evaluates both positive and
      negative evidence, including the existence of any cumulative losses in the current year and the prior two years, the amount of taxes paid in available carry&#8209;back years, forecasts of future income and available tax planning strategies. This analysis
      is updated quarterly. Based on this analysis, we determined that no valuation allowance was required on our deferred tax assets, which totaled $5.6 million and $5.2 million at December 31, 2020 and 2019, respectively. See Note 13 &#8220;Income Taxes&#8221; of
      the Notes to Consolidated Financial Statements in Item 8, &#8220;Financial Statements and Supplementary Data.&#8221;</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Fair Value Measurements</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction
      between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Level 2: Significant observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be
      corroborated by observable market data.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Level 3: Significant unobservable inputs that reflect a company&#8217;s own assumptions about the assumptions that market participants would use in pricing an asset or liability.</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">34</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z6e030fa9e6de40ddae4afdabd0435fcf">

            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify;">Fair values are estimated using relevant market information and other assumptions, as more fully disclosed in Note 8 of the Notes to Consolidated Financial Statements. Fair value estimates involve uncertainties and
      matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for items. Changes in assumptions or in market conditions could significantly affect the estimates.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="zdf7121f1ee0a40bda796d8294bc3dcbe" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 8.<a name="ITEM8."><!--Anchor--></a></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-weight: bold;">FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">See Index to Consolidated Financial Statements of Broadway Financial Corporation and Subsidiaries.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="zac58b2d131e543a681a8604008d202eb" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 9.<a name="ITEM9."><!--Anchor--></a></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-weight: bold;">CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">None</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="zb406ea610f844f20b4c58f2931bdcac3" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 9A.<a name="ITEM9A."><!--Anchor--></a></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-weight: bold;">CONTROLS AND PROCEDURES</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Evaluation of disclosure controls and procedures</div>
    <div>&#160;</div>
    <div style="text-align: justify;">As of December 31, 2020, an evaluation was performed under the supervision of the Company&#8217;s Chief Executive Officer (&#8220;CEO&#8221;) and Chief Financial Officer (&#8220;CFO&#8221;) of the effectiveness of the design and operation of the
      Company&#8217;s disclosure controls and procedures. Based on that evaluation, the Company&#8217;s CEO and CFO concluded that the Company&#8217;s disclosure controls and procedures were effective as of December 31, 2020.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Management&#8217;s annual report on internal control over financial reporting</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The management of Broadway Financial Corporation is responsible for establishing and maintaining adequate internal control over financial reporting for the Company as defined in Rule 13a&#8209;15(f) under the Exchange Act.
      This system, which management has chosen to base on the framework set forth in <font style="font-style: italic;">Internal Control&#8209;Integrated Framework</font>, published by the 1992 Committee of Sponsoring Organizations of the Treadway Commission
      (&#8220;COSO&#8221;), and which is effected by the Company&#8217;s Board of Directors, management and other personnel, is designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external
      purposes in accordance with accounting principles generally accepted in the United States of America.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Company&#8217;s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions
      and dispositions of the assets of the Company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts
      and expenditures of the Company are being made only in accordance with authorizations of management and the Directors of the Company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or
      disposition of the Company&#8217;s assets that could have a material effect on the financial statements.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Because of its inherent limitations, a system of internal control over financial reporting can provide only reasonable assurance and may not prevent or detect misstatements. Further, because of changes in conditions,
      effectiveness of internal controls over financial reporting may vary over time.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">With the participation of the Company&#8217;s CEO and CFO, management has conducted an evaluation of the effectiveness of the Company&#8217;s system of internal control over financial reporting. Based on this evaluation,
      management determined that the Company&#8217;s system of internal control over financial reporting was effective as of December 31, 2020.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">This annual report does not include an attestation report of the Company&#8217;s registered public accounting firm regarding internal control over financial reporting. Management&#8217;s report was not subject to attestation by
      the Company&#8217;s registered public accounting firm pursuant to rules of the Securities and Exchange Commission that permit the Company to provide only management&#8217;s report in this annual report.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">35</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: justify; font-style: italic; font-weight: bold;">Changes in internal control over financial reporting</div>
    <div>&#160;</div>
    <div style="text-align: justify;">There were no significant changes in the Company&#8217;s internal control over financial reporting identified in connection with the evaluation of internal control over financial reporting that occurred during the fourth
      quarter of 2020 that have materially affected, or are reasonably likely to materially affect, the Company&#8217;s internal control over financial reporting.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" id="z6c6dd53f79914a9fb98bff16ff1a842b" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td rowspan="1" style="width: 9.95%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td rowspan="1" style="width: 37.74%; vertical-align: top; text-align: center; border-bottom: 2px solid rgb(0, 0, 0);">/s/ <font style="font-variant: small-caps;">Wayne&#8209;Kent A. Bradshaw</font></td>
          <td rowspan="1" style="width: 5%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td rowspan="1" style="width: 37%; vertical-align: top; text-align: center; border-bottom: 2px solid rgb(0, 0, 0);">/s/ <font style="font-variant: small-caps;">Brenda J. Battey</font></td>
          <td rowspan="1" style="width: 10.39%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9.95%; vertical-align: top;">&#160;</td>
          <td style="width: 37.74%; vertical-align: top;">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Wayne&#8209;Kent A. Bradshaw</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt; font-style: italic;">Chief Executive Officer</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">(Principal Executive Officer)</div>
          </td>
          <td style="width: 5%; vertical-align: top;">&#160;</td>
          <td style="width: 37%; vertical-align: top;">
            <div style="text-align: center;">Brenda J. Battey</div>
            <div style="text-align: center; font-style: italic;">Chief Financial Officer</div>
            <div style="text-align: center;">(Principal Financial Officer and</div>
            <div style="text-align: center;">Principal Accounting Officer)</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9.95%; vertical-align: top;">&#160;</td>
          <td style="width: 37.74%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">&#160;</td>
          <td style="width: 37%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9.95%; vertical-align: top;">&#160;</td>
          <td style="width: 37.74%; vertical-align: top;">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Los Angeles, CA</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">March 31, 2021</div>
          </td>
          <td style="width: 5%; vertical-align: top;">&#160;</td>
          <td style="width: 37%; vertical-align: top;">
            <div style="text-align: center;">Los Angeles, CA</div>
            <div style="text-align: center;">March 31, 2021</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z7406d1a0f0d74571a6e2a0bf2608b1eb" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 9B.<a name="ITEM9B."><!--Anchor--></a></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-weight: bold;">OTHER INFORMATION</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">None</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">36</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div style="width: 100%;" id="DSPFPageHeader">
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            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: center; font-weight: bold;">PART III</div>
    <div>&#160;</div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z4c55840ef09d490c88f9af6539d5c1d4" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;">

          <tr style="vertical-align: top;">
            <td style="vertical-align: top; width: 54pt;">
              <div style="text-align: justify; font-weight: bold;">ITEM 10.<a name="ITEM10."><!--Anchor--></a></div>
            </td>
            <td style="align: left; vertical-align: top; width: auto;">
              <div style="text-align: justify; font-weight: bold;">DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE</div>
            </td>
          </tr>

      </table>
    </div>
    <div>&#160;</div>
    <div style="text-align: justify;">The information required by this Item is incorporated herein by reference to the definitive Proxy Statement, under the captions &#8220;Election of Directors&#8221;, &#8220;Executive Officers&#8221;, &#8220;Code of Ethics&#8221; and &#8220;Section 16(a)
      Beneficial Ownership Reporting Compliance&#8221;, that will be filed with the Securities and Exchange Commission in connection with the Company&#8217;s 2020 Annual Meeting of Stockholders (the &#8220;Company&#8217;s Proxy Statement&#8221;).</div>
    <div>&#160;</div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z5d57f3b61119482d86fcdb0e6f5747ce" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;">

          <tr style="vertical-align: top;">
            <td style="vertical-align: top; width: 54pt;">
              <div style="text-align: justify; font-weight: bold;">ITEM 11.<a name="ITEM11."><!--Anchor--></a></div>
            </td>
            <td style="align: left; vertical-align: top; width: auto;">
              <div style="text-align: justify; font-weight: bold;">EXECUTIVE COMPENSATION</div>
            </td>
          </tr>

      </table>
    </div>
    <div>&#160;</div>
    <div style="text-align: justify;">The information required by this Item is incorporated herein by reference to the Company&#8217;s Proxy Statement, under the caption &#8220;Executive Compensation&#8221; and &#8220;Director Compensation.&#8221;</div>
    <div>&#160;</div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z60952a8fe07d496ba94b9094ca91b1f5" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;">

          <tr style="vertical-align: top;">
            <td style="vertical-align: top; width: 54pt;">
              <div style="font-weight: bold;">ITEM 12.<a name="ITEM12."><!--Anchor--></a></div>
            </td>
            <td style="vertical-align: top; width: auto;">
              <div style="font-weight: bold;">SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS</div>
            </td>
          </tr>

      </table>
    </div>
    <div>&#160;</div>
    <div style="text-align: justify;">The information required by this Item is incorporated herein by reference to the Company&#8217;s Proxy Statement, under the caption &#8220;Security Ownership of Certain Beneficial Owners and Management.&#8221;</div>
    <div>&#160;</div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z49673087bde342e7927ba431f5bc4318" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;">

          <tr style="vertical-align: top;">
            <td style="vertical-align: top; width: 54pt;">
              <div style="text-align: justify; font-weight: bold;">ITEM 13.<a name="ITEM13."><!--Anchor--></a></div>
            </td>
            <td style="align: left; vertical-align: top; width: auto;">
              <div style="text-align: justify; font-weight: bold;">CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE</div>
            </td>
          </tr>

      </table>
    </div>
    <div>&#160;</div>
    <div style="text-align: justify;">The information required by this Item is incorporated herein by reference to the Company&#8217;s Proxy Statement, under the caption &#8220;Certain Relationships and Related Transactions&#8221; and &#8220;Election of Directors.&#8221;</div>
    <div>&#160;</div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="zdd1376abd3884e37af699481ebd8a4c5" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;">

          <tr style="vertical-align: top;">
            <td style="vertical-align: top; width: 54pt;">
              <div style="text-align: justify; font-weight: bold;">ITEM 14.<a name="ITEM14."><!--Anchor--></a></div>
            </td>
            <td style="align: left; vertical-align: top; width: auto;">
              <div style="text-align: justify; font-weight: bold;">PRINCIPAL ACCOUNTANT FEES AND SERVICES</div>
            </td>
          </tr>

      </table>
    </div>
    <div>&#160;</div>
    <div style="text-align: justify;">The information required by this Item is incorporated herein by reference to the Company&#8217;s Proxy Statement, under the caption &#8220;Ratification of the Appointment of the Independent Registered Public Accounting Firm.&#8221;</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">37</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: center; font-weight: bold;">PART IV</div>
    <div>&#160;</div>
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        <tr>
          <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 15.<a name="ITEM15."><!--Anchor--></a></td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-weight: bold;">EXHIBITS AND FINANCIAL STATEMENT SCHEDULES</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z2af22a893217462c8fdcba50883562d8" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top; align: right;">(a)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>1. See Index to Consolidated Financial Statements.</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify; margin-left: 72pt;">2. Financial Statement Schedules have been omitted because they are not applicable or the required information is shown in the Consolidated Financial Statements or Notes thereto included under Item
      8, &#8220;Financial Statements and Supplementary Data.&#8221;</div>
    <div>&#160;</div>
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        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top; align: right;">(b)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>List of Exhibits</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" id="z8e4274811fdd4a279ec4d6fe33cf1e01" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 10%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; font-weight: bold;">Exhibit</div>
              <div style="text-align: center; font-weight: bold;">Number*</div>
            </div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">&#160;</td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465920098621/a20-29334_2ex2d1.htm">2.1</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Agreement and Plan of Merger, dated as of August 25, 2020, by and between Broadway Financial Corporation and CFBanc Corporation (Exhibit 2.1 to Form 8-K filed by Registrant on August 26, 2020)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001184/brhc10018952_ex2-1.htm">2.1.1</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Amendment No. 1 to Agreement and Plan of Merger, dated as of January 14, 2021), by and between Broadway Financial Corporation and CFBanc Corporation (Exhibit 2.1 to Form 8-K filed by Registrant on January 14,
              2021)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465914080424/a14-19742_1ex3d1.htm">3.1</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Certificate of Incorporation of Registrant and all amendments thereto (Exhibit 3.1 to Form 10&#8209;Q filed by Registrant on November 13, 2014)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465920097959/tm2026212d2_ex3-2.htm">3.2</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Bylaws of Registrant (Exhibit 3.2 to Form 8&#8209;K filed by Registrant on August 24, 2020)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465919049704/a19-18521_1ex3d1.htm">3.3</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Certificate of Designations for the Series B Junior Participating Preferred Stock (Exhibit 3.1 to Form 8-K filed by Registrant on September 10, 2019)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex4-1.htm">4.1</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Description of Registrant&#8217;s Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465919049704/a19-18521_1ex4d1.htm">4.2</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Rights Agreement between Broadway Financial Corporation and Computershare Trust Company, N.A., as rights agent (Exhibit 4.1 to Form 8-K filed by Registrant on September 10, 2019)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465920098621/a20-29334_2ex4d1.htm">4.2.1</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Amendment to Rights Agreement, dated as of August 25, 2020, by and between Broadway Financial Corporation and Computershare Trust Company, N.A. (Exhibit 4.1 to Form 8-K file by Registrant on August 26, 2020)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746916011660/a2227960zex-10_1.htm">10.1**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Broadway Federal Bank Employee Stock Ownership Plan (Exhibit 10.1 to Form 10&#8209;K filed by Registrant on March 28, 2016)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465916139308/a16-11507_1ex10d3.htm">10.2**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Amended and Restated Broadway Financial Corporation 2008 Long Term Incentive Plan (Exhibit 10.3 to Form 10&#8209;Q filed by Registrant on August 12, 2016)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465916139308/a16-11507_1ex10d1.htm">10.3**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Amended Form of Stock Option Agreement for stock options granted pursuant to Amended and Restated Broadway Financial Corporation 2008 Long&#8209;Term Incentive Plan (Exhibit 10.1 to Form 10&#8209;Q filed by Registrant on
              August 12, 2016)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_5.htm">10.5**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Broadway Financial Corporation 2018 Long&#8209;Term Incentive Plan (Exhibit 10.5 to Form 10-K filed by Registrant on March 29, 2019)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_6.htm">10.6**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Form of Award Agreement for grants of restricted stock pursuant to Broadway Financial Corporation 2018 Long&#8209;Term Incentive Plan&#160; (Exhibit 10.6 to Form 10-K filed by Registrant on March 29, 2019)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_7.htm">10.7**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Employment Agreement, dated as of March 22, 2017, for Wayne&#8209;Kent A. Bradshaw (Exhibit 10.7 to Form 10-K filed by Registrant on March 29, 2019)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_10.htm">10.10**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Award Agreement, dated as of February 27, 2019 for grant of restricted stock to Wayne&#8209;Kent A. Bradshaw pursuant to Broadway Financial Corporation 2018 Long&#8209;Term Incentive Plan&#160; (Exhibit 10.10 to Form 10-K filed
              by Registrant on March 29, 2019)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_11.htm">10.11**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Employment Agreement, dated as of May 1, 2017, for Brenda J. Battey&#160; (Exhibit 10.11 to Form 10-K filed by Registrant on March 29, 2019)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001184/brhc10018952_ex10-1.htm">10.11.1**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Amendment to Employment Agreement for Brenda J. Battey, dated as of January 14, 2021 (Exhibit 10.1 to form 8-K filed by Registrant on January 14, 2021)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_12.htm">10.12**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Employment Agreement, dated as of May 1, 2017, for Norman Bellefeuille&#160; (Exhibit 10.12 to Form 10-K filed by Registrant on March 29, 2019)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001184/brhc10018952_ex10-2.htm">10.12.1**</a></td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">
            <div style="text-align: justify;">Amendment to Employment Agreement for Norman Bellefeuille, dated as of January 14, 2021 (Exhibit 10.2 to form 8-K filed by Registrant on January 14, 2021)</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">38</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 10%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1">
            <div>
              <div style="text-align: center; font-weight: bold;">Exhibit</div>
              <div style="text-align: center; font-weight: bold;">Number*</div>
            </div>
          </td>
          <td style="width: 2%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_13.htm">10.13**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Employment Agreement, dated as of May 1, 2017, for Ruth McCloud&#160; (Exhibit 10.13 to Form 10-K filed by Registrant on March 29, 2019)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001184/brhc10018952_ex10-3.htm">10.13.1**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Amendment to Employment Agreement for Ruth McCloud, dated as of January 14, 2021 (Exhibit 10.3 to form 8-K filed by Registrant on January 14, 2021)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex10-14.htm">10.14**</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Broadway Federal Bank Incentive Compensation Plan&#160; (Exhibit 10.14 to Form 10-K filed by Registrant on March 29, 2019)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746917002044/a2231455zex-10_8.htm">10.16 <br>
              </a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of December 21, 2016, entered between First Republic Bank and Registrant (Exhibit 10.8 to Form 10&#8209;K filed by Registrant on March 27, 2017)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001342/nt10015880x1_ex10-15.htm">10.21</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of November 23, 2020, entered between Banc of America Strategic Investments Corporation and Registrant (Exhibit 10.15 to Registration Statement on S-4 filed by Registrant on
              January 19, 2021)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001342/nt10015880x1_ex10-14.htm">10.22</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of November 23, 2020, entered between Cedars-Sinai Medical Center and Registrant (Exhibit 10.14 to Registration Statement on S-4 filed by Registrant on January 19, 2021)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001342/nt10015880x1_ex10-16.htm">10.23</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of November 24, 2020, entered between Wells Fargo Central Pacific Holdings, Inc. and Registrant (Exhibit 10.16 to Registration Statement on S-4 filed by Registrant on January
              19, 2021)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex10-24.htm">10.24</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of February 19, 2021, entered between Ally Ventures, a business unit of Ally Financial Inc., and Registrant</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex10-25.htm">10.25</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of February 19, 2021, entered between Banner Bank and Registrant</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex10-26.htm">10.26</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of February 19, 2021, entered between Citicorp Banking Corporation and Registrant</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 10%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1">
            <div>
              <div style="text-align: center; font-weight: bold;">Exhibit</div>
              <div style="text-align: center; font-weight: bold;">Number*</div>
            </div>
          </td>
          <td style="width: 2%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex10-27.htm">10.27</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of February 19, 2021, entered between First Republic Bank and Registrant</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex10-28.htm">10.28</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of February 19, 2021, entered between Geral I. White and Registrant</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex10-29.htm">10.29</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of February 19, 2021, entered between Gerald I. White, in his capacity as the trustee for the Grace &amp; White, Inc. Profit Sharing Plan, and Registrant</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex10-30.htm">10.30</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of February 19, 2021, entered between Registrant and Butterfield Trust (Bermuda) Limited as trustee of each of the following: The Lorraine Grace Will Trust, The Anne Grace
              Kelly Trust 99, The Gwendolyn Grace Trust 99, The Lorraine L. Grace Trust 99, and The Ruth Grace Jervis Millennium Trust</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex10-31.htm">10.31</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of February 19, 2021, entered between Texas Capital Community Development Corporation and Registrant</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex10-32.htm">10.32</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Stock Purchase Agreement, dated as of February 20, 2021, entered between J.P. Morgan Chase Community Development Corporation and Registrant</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465913086087/a13-24582_1ex21d1.htm">21.1</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">List of Subsidiaries (Exhibit 21.1 to Registration Statement on Form S&#8209;1 filed by Registrant on November 20, 2013)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex23-1.htm">23.1</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Consent of Moss Adams LLP</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex31-1.htm">31.1</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes&#8209;Oxley Act of 2002</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex31-2.htm">31.2</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes&#8209;Oxley Act of 2002</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex32-1.htm">32.1</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes&#8209;Oxley Act of 2002</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex32-2.htm">32.2</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes&#8209;Oxley Act of 2002</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex99-4.htm">99.4</a></div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">Certification of Chief Executive Officer pursuant to Interim Final Rule &#8211; TARP Standards for Compensation and Corporate Governance at 31 CFR Part 30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;"><a href="brhc10022486_ex99-5.htm">99.5</a></div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">Certification of Chief Financial Officer pursuant to Interim Final Rule &#8211; TARP Standards for Compensation and Corporate Governance at 31 CFR Part 30)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;">101.INS</div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">XBRL Instance Document</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;">101.SCH</div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">XBRL Taxonomy Extension Schema Document</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;">101.CAL</div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">XBRL Taxonomy Extension Calculation Linkbase Document</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;">101.DEF</div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">XBRL Taxonomy Extension Definitions Linkbase Document</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-indent: -10pt; margin-left: 10pt;">101.LAB</div>
          </td>
          <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 87.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: justify;">XBRL Taxonomy Extension Label Linkbase Document</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-indent: -10pt; margin-left: 10pt;">101.PRE</div>
          </td>
          <td style="width: 2%; vertical-align: top;">&#160;</td>
          <td style="width: 87.88%; vertical-align: top;">
            <div style="text-align: justify;">XBRL Taxonomy Extension Presentation Linkbase Document</div>
          </td>
        </tr>

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    <div>&#160;</div>
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          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Exhibits followed by a parenthetical reference are incorporated by reference herein from the document filed by the Registrant with the SEC described therein. Except as otherwise indicated, the SEC File No. for each incorporated document is
              000&#8209;27464.</div>
          </td>
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    <div>&#160;</div>
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          <td style="width: 36pt; vertical-align: top; align: right;">**</td>
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            <div>Management contract or compensatory plan or arrangement.</div>
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    <div>&#160;</div>
    <div></div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">40</font></div>
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              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
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    <div style="text-align: center; font-weight: bold;">SIGNATURES<a name="SIGNATURES"><!--Anchor--></a></div>
    <div>&#160;</div>
    <div style="text-align: justify;">Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</div>
    <div>&#160;</div>
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          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="vertical-align: top;" colspan="2">
            <div>BROADWAY FINANCIAL CORPORATION</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="vertical-align: top;" colspan="2">&#160;</td>
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        <tr>
          <td style="width: 50%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 5%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 45%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" rowspan="1">/s/ <font style="font-variant: small-caps;">Wayne&#8209;Kent A. Bradshaw</font></td>
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        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
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            <div>By:</div>
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          <td style="width: 45%; vertical-align: bottom;">
            <div style="text-align: center;">Wayne&#8209;Kent A. Bradshaw</div>
            <div style="text-align: center;">Chief Executive Officer</div>
          </td>
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          <td style="width: 50%; vertical-align: top;">&#160;</td>
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            <div>Date:</div>
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            <div style="text-align: center;">March 31, 2021</div>
          </td>
        </tr>

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    <div>&#160;</div>
    <div style="text-align: justify;">Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.</div>
    <div>&#160;</div>
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          <td style="width: 60%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" rowspan="1">/s/ <font style="font-variant: small-caps;">Wayne&#8209;Kent A. Bradshaw</font></td>
          <td style="width: 40%; vertical-align: top; text-align: center;" rowspan="1">Date: March 31, 2021</td>
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        <tr>
          <td style="width: 60%; vertical-align: top;">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Wayne&#8209;Kent A. Bradshaw</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Chief Executive Officer and President</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">(Principal Executive Officer)</div>
          </td>
          <td style="width: 40%; vertical-align: top;">
            <div style="text-align: center;"><br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">&#160;</td>
          <td style="width: 40%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" rowspan="1">/s/ <font style="font-variant: small-caps;">Brenda J. Battey</font></td>
          <td style="width: 40%; vertical-align: top; text-align: center;" rowspan="1">Date: March 31, 2021</td>
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        <tr>
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            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Brenda J. Battey</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Chief Financial Officer</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">(Principal Financial Officer and Principal Accounting Officer)</div>
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          <td style="width: 40%; vertical-align: top;">
            <div style="text-align: center;"><br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">&#160;</td>
          <td style="width: 40%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" rowspan="1">/s/ <font style="font-variant: small-caps;">Virgil P. Roberts</font></td>
          <td style="width: 40%; vertical-align: top; text-align: center;" rowspan="1">Date: March 31, 2021</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Virgil P. Roberts</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Chairman of the Board</div>
          </td>
          <td style="width: 40%; vertical-align: top;">
            <div style="text-align: center;"><br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">&#160;</td>
          <td style="width: 40%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" rowspan="1">/s/ <font style="font-variant: small-caps;">Robert C. Davidson, Jr.</font></td>
          <td style="width: 40%; vertical-align: top; text-align: center;" rowspan="1">Date: March 31, 2021</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Robert C. Davidson, Jr.</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Director</div>
          </td>
          <td style="width: 40%; vertical-align: top;">
            <div style="text-align: center;"><br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">&#160;</td>
          <td style="width: 40%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1">
            <div>
              <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">/s/ <font style="font-variant: small-caps;">Jack T. Thompson</font></div>
            </div>
          </td>
          <td style="width: 40%; vertical-align: top; text-align: center;" rowspan="1">Date: March 31, 2021</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Jack T. Thompson</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Director</div>
          </td>
          <td style="width: 40%; vertical-align: top;">
            <div style="text-align: center;"><br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">&#160;</td>
          <td style="width: 40%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">/s/ <font style="font-variant: small-caps;">Daniel A. Medina</font></div>
            </div>
          </td>
          <td style="width: 40%; vertical-align: top;">
            <div style="text-align: center;">Date: March 31, 2021</div>
          </td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Daniel A. Medina</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Director</div>
          </td>
          <td style="width: 40%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">&#160;</td>
          <td style="width: 40%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" rowspan="1">/s/ <font style="font-variant: small-caps;">Dutch C. Ross III</font></td>
          <td style="width: 40%; vertical-align: top; text-align: center;" rowspan="1">Date: March 31, 2021</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Dutch C. Ross III</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Director</div>
          </td>
          <td style="width: 40%; vertical-align: top;">
            <div style="text-align: center;"><br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">&#160;</td>
          <td style="width: 40%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" rowspan="1">/s/ <font style="font-variant: small-caps;">Erin Selleck</font></td>
          <td style="width: 40%; vertical-align: top; text-align: center;" rowspan="1">Date: March 31, 2021</td>
        </tr>
        <tr>
          <td style="width: 60%; vertical-align: top;">
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Erin Selleck</div>
            <div style="text-align: center; text-indent: -10pt; margin-left: 10pt;">Director</div>
          </td>
          <td style="width: 40%; vertical-align: top;">
            <div style="text-align: center;"><br>
            </div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">41</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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            <tr>
              <td style="width: 100%; font-size: 8pt;"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;">Table of Contents</font></a></td>
            </tr>

        </table>
      </div>
    </div>
    <div>
      <div style="text-align: center; font-weight: bold;">BROADWAY FINANCIAL CORPORATION AND SUBSIDIARY</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="Index"><!--Anchor--></a>Index to Consolidated Financial Statements</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">Years ended December 31, 2020 and 2019</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z766b55e5c63241e78271962244e58e29">

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            <td style="width: 93.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -10pt; margin-left: 10pt;"><a href="#ReportofIndependentRegist">Report of Independent Registered Public Accounting Firm</a></div>
            </td>
            <td style="width: 6.2%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">F&#8209;1</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 93.8%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 6.2%; vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 93.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -10pt; margin-left: 10pt;"><a href="#ConsolidatedStatements">Consolidated Statements of Financial Condition</a></div>
            </td>
            <td style="width: 6.2%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">F&#8209;2</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 93.8%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 6.2%; vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 93.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -10pt; margin-left: 10pt;"><a href="#OperationsandComprehensiv">Consolidated Statements of Operations and Comprehensive Income</a></div>
            </td>
            <td style="width: 6.2%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">F&#8209;3</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 93.8%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 6.2%; vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 93.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -10pt; margin-left: 10pt;"><a href="#ChangesinStockholders">Consolidated Statements of Changes in Stockholders&#8217; Equity</a></div>
            </td>
            <td style="width: 6.2%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">F&#8209;4</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 93.8%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 6.2%; vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 93.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -10pt; margin-left: 10pt;"><a href="#CashFlows">Consolidated Statements of Cash Flows</a></div>
            </td>
            <td style="width: 6.2%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">F&#8209;5</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 93.8%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 6.2%; vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 93.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -10pt; margin-left: 10pt;"><a href="#NotestoConsolidatedFinanc">Notes to Consolidated Financial Statements</a></div>
            </td>
            <td style="width: 6.2%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">F&#8209;6</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after:always;" id="DSPFPageBreak">
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        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic; font-size: 8pt;"> Table of Contents</font></a></div>
      </div>
      <!--PROfilePageNumberReset%Num%1%F-%%-->
      <div style="text-align: center;"><a name="ReportofIndependentRegist"><!--Anchor--></a> <font style="font-weight: bold;">Report of Independent Registered Public Accounting Firm</font></div>
      <div id="DSPFPageHeader">
        <div style="text-align: right; font-size: 8pt;"><br>
        </div>
      </div>
      <div>To the Shareholders and the Board of Directors of</div>
      <div>Broadway Financial Corporation</div>
      <div><br>
      </div>
      <div style="font-style: italic; font-weight: bold;">Opinion on the Financial Statements</div>
      <div><br>
      </div>
      <div>We have audited the accompanying consolidated statements of financial condition of Broadway Financial Corporation and Subsidiary (the &#8220;Company&#8221;) as of December&#160;31, 2020 and 2019, the related consolidated statements of operations and
        comprehensive income, changes in stockholders&#8217; equity and cash flows for the years then ended, and the related notes (collectively referred to as the &#8220;consolidated financial statements&#8221;). In our opinion, the <font style="color: #000000;">consolidated


          financial statements present fairly, in all material respects, the consolidated financial position of the Company as of December&#160;31, 2020 and 2019, and the consolidated results of its operations and its cash flows for the years then ended, in
          conformity with accounting principles generally accepted in the United States of America.</font></div>
      <div><br>
      </div>
      <div style="color: #000000; font-style: italic; font-weight: bold;">Basis for Opinion</div>
      <div><br>
      </div>
      <div>These consolidated financial statements are the responsibility of the Company&#8217;s management. Our responsibility is to express an opinion on the Company&#8217;s consolidated financial statements based on our audits. <font style="color: #000000;">We are
          a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (&#8220;PCAOB&#8221;) and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable
          rules and regulations of the Securities and Exchange Commission and the PCAOB.</font></div>
      <div><br>
      </div>
      <div>We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free of material
        misstatement, whether due to error or fraud. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. <font style="color: #000000;">As part of our audits we are required to
          obtain an understanding of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of the Company&#8217;s internal control over financial reporting. Accordingly, we express no such opinion.</font></div>
      <div><br>
      </div>
      <div>Our audits included performing procedures to assess the risks of material misstatement of the consolidated<font style="font-style: italic;">&#160;</font>financial statements, whether due to error or fraud, and performing procedures to respond to
        those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the consolidated financial statements. Our audits also included evaluating the accounting principles used and significant estimates
        made by management, as well as evaluating the overall presentation of the consolidated financial statements. We believe that our audits provide<font style="font-style: italic;">&#160;</font>a reasonable basis for our opinion.</div>
      <div><br>
      </div>
      <div style="color: #000000; font-style: italic; font-weight: bold;">Critical Audit Matter</div>
      <div><br>
      </div>
      <div>The critical audit matter communicated below is a matter arising from the current period audit of the consolidated financial statements that was communicated or required to be communicated to the audit committee and that (1) relates to accounts
        or disclosures that are material to the consolidated financial statements and (2) involved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion on the
        consolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matter below, providing a separate opinion on the critical audit matter or on the accounts or disclosures to which it relates.</div>
      <div><br>
      </div>
      <div style="color: #000000; font-style: italic; font-weight: bold;">Allowance for Loan Losses</div>
      <div><br>
      </div>
      <div>As described in Notes 1 and 5 to the consolidated financial statements, the Company&#8217;s allowance for loan losses balance was $3.2 million at December 31, 2020. The allowance for loan losses is a valuation allowance for probable incurred credit
        losses. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the
        portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. The allowance consists of general and specific components. The general component covers loans that are collectively
        evaluated for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment with the use of a loss migration analysis and is based on the actual loss history
        experienced by the Company over the most recent five years. The Company assigns a risk rating to all loans based on historical loss experience and periodically performs detailed reviews of all such loans over a certain threshold to identify credit
        risks and assess overall collectability. This actual loss experience is supplemented with information about other current economic factors based on the risks present for each portfolio segment. These current economic factors include consideration
        of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge&#8209;offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes
        in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.</div>
      <div><br>
      </div>
      <div>We identified management&#8217;s risk ratings of loans and the estimation of current economic factors, both of which are used in the allowance for loan losses calculation, as critical audit matters because these estimates and underlying assumptions
        require significant management judgment in the evaluation of the credit quality and the estimation of incurred losses inherent within the loan portfolio as of the balance sheet date and in turn led to a high degree of auditor judgment and
        subjectivity in performing the procedures and evaluating the related audit evidence.</div>
      <div><br>
      </div>
      <div>The primary procedures we performed to address this critical audit matter included:</div>
      <div>&#160;</div>
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            <td style="width: 18pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Evaluating design and implementation of internal controls relating to management&#8217;s calculation of the allowance for loan losses.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z15a4eefe81c84beaa6aca031aea52354">

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            <td style="width: 18pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Testing the design, implementation, and operating effectiveness of controls over the accuracy of risk ratings of loans.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zbc95772ce6b641c88f5b45c439106b64">

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            <td style="width: 18pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Testing a risk-based targeted selection of loans to gain substantive evidence that the Company is appropriately rating these loans in accordance with its policies, and that the risk ratings for the loans are reasonable.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
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            <td style="width: 18pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Obtaining management&#8217;s analysis and supporting documentation related to the economic factors, and testing whether the economic factors used in the calculation of the allowance for loan losses are supported by the analysis provided by
                management and are used in a manner consistent with management&#8217;s established policies and procedures.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
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            <td style="width: 18pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Testing the appropriateness of the methodology and assumptions used in the calculation of the allowance for loan losses, and testing the calculation itself, including completeness and accuracy of the data used in the calculation,
                application of the loan risk ratings determined by management and used in the calculation, application of the current economic factors determined by management and used in the calculation, and recalculation of the allowance for loan losses
                balance.</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div>/s/ Moss Adams LLP</div>
      <div><br>
      </div>
      <div>Los Angeles, California</div>
      <div>March 31, 2021</div>
      <div><br>
      </div>
      <div>We have served as the Company&#8217;s auditor since 2014.</div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-1</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: center; font-weight: bold;">BROADWAY FINANCIAL CORPORATION AND SUBSIDIARY</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="ConsolidatedStatements"><!--Anchor--></a>Consolidated Statements of Financial Condition</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" id="za45ebbb69c80483a8d76b3d18b94520d" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 70%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31, 2020</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31, 2019</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 70%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands, except share and per share)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot; font-weight: bold;">Assets:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Cash and due from banks</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">71,110</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">3,016</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Interest&#8209;bearing deposits in other banks</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">24,999</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
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                <div style="font-family: &#38;quot;">12,550</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Cash and cash equivalents</div>
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            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">96,109</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">15,566</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Investment securities available&#8209;for&#8209;sale, at fair value</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">10,698</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">11,006</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Loans receivable held for investment, net of allowance of $3,215 and $3,182</div>
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            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">360,129</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">397,847</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Accrued interest receivable</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">1,202</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">1,223</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Federal Home Loan Bank (FHLB) stock</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">3,431</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">2,916</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Office properties and equipment, net</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">2,540</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">2,783</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Bank owned life insurance</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">3,147</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">3,100</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Deferred tax assets, net</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">5,633</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">5,220</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Investment in affordable housing limited partnership</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">58</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">163</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Other assets</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
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                <div style="font-family: &#38;quot;">431</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
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                <div style="font-family: &#38;quot;">545</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt; font-weight: bold;">Total assets</div>
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            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
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                <div style="font-family: &#38;quot; font-weight: bold;">$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
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                <div style="font-family: &#38;quot; font-weight: bold;">483,378</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot; font-weight: bold;">$</div>
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            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
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                <div style="font-family: &#38;quot; font-weight: bold;">440,369</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot; font-weight: bold;">Liabilities and stockholders&#8217; equity</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot; font-weight: bold;">Liabilities:</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Deposits</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">315,630</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">297,724</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">FHLB advances</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">110,500</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">84,000</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Junior subordinated debentures</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">3,315</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">4,335</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Advance payments by borrowers for taxes and insurance</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">787</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 2px;">
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            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
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                <div style="font-family: &#38;quot;">4,261</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
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                <div style="font-family: &#38;quot;">4,429</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt; font-weight: bold;">Total liabilities</div>
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            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
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                <div style="font-family: &#38;quot; font-weight: bold;">434,493</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
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                <div style="font-family: &#38;quot; font-weight: bold;">391,521</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Commitments and Contingencies (Note 16)</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
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            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
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            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">&#8212;</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">&#8212;</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Common stock, $.01 par value, voting, authorized 50,000,000 shares at December 31, 2020 and December 31, 2019; issued 21,899,584 shares at December 31, 2020 and
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            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">219</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">218</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Common stock, $.01 par value, non&#8209;voting, authorized 25,000,000 shares at December 31, 2020 and December 31, 2019; issued and outstanding 8,756,396 shares at
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            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">87</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">87</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Additional paid&#8209;in capital</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">46,851</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">46,426</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Retained earnings</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">7,783</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">8,425</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Unearned Employee Stock Ownership Plan (ESOP) shares</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">(893</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">(959</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Accumulated other comprehensive income (loss), net of tax</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">164</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">(23</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Treasury stock&#8209;at cost, 2,617,826 shares at December 31, 2020 and at December 31, 2019</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">(5,326</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">(5,326</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt; font-weight: bold;">Total stockholders&#8217; equity</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot; font-weight: bold;">48,885</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot; font-weight: bold;">48,848</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt; font-weight: bold;">Total liabilities and stockholders&#8217; equity</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot; font-weight: bold;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot; font-weight: bold;">483,378</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot; font-weight: bold;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot; font-weight: bold;">440,369</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          </tr>

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      <div>&#160;</div>
      <div style="text-align: center; font-style: italic;">See accompanying notes to consolidated financial statements.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-2</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
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      <div style="text-align: center; font-weight: bold;">BROADWAY FINANCIAL CORPORATION AND SUBSIDIARY</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">Consolidated Statements of <a name="OperationsandComprehensiv"><!--Anchor--></a>Operations and Comprehensive (Loss) Income</div>
      <div>&#160;</div>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
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                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;"> 2020</div>
                <div> </div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands, except per share)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;">Interest Income:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Interest and fees on loans receivable</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>17,016</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>15,845</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Interest on investment securities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>253</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>359</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Other interest income</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>375</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>643</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 27pt;">Total interest income</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>17,644</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>16,847</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Interest Expense:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Interest on deposits</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>3,163</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>4,276</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Interest on borrowings</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>2,312</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>2,110</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 27pt;">Total interest expense</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>5,475</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>6,386</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Net interest income before loan loss provision recapture</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>12,169</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>10,461</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Loan loss (provision) recapture</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>(29</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>7</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 27pt;">Net interest income after loan loss (provision) recapture</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>12,140</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>10,468</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Non&#8209;Interest Income:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Service charges</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>420</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>491</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Net gain on sales of loans</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>276</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>204</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">CDFI grant</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>203</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>233</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Other</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>126</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>124</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 27pt;">Total non&#8209;interest income</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>1,025</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>1,052</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Non&#8209;Interest Expense:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Compensation and benefits</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>8,362</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>7,357</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Occupancy expense</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1,288</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1,265</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Information services</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>937</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>888</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Professional services</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>2,299</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1,144</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Office services and supplies</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>354</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>280</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Loan related expenses</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>115</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>163</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Corporate insurance</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>126</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>133</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Amortization of investment in affordable housing limited partnership</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>105</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>179</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Other</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>628</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>662</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 27pt;">Total non&#8209;interest expense</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>14,214</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>12,071</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Loss before income tax benefits</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(1,049</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(551</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Income tax benefits</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>(407</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>(345</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 27pt;">Net loss</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(642</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(206</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Other comprehensive income, net of tax:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Unrealized gains on securities available&#8209;for&#8209;sale arising during the period</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>266</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>369</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Income tax expense</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>79</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>109</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 27pt;">Other comprehensive income, net of tax</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>187</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>260</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Comprehensive (loss) income</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>(455</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>54</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Loss per common share&#8209;basic</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(0.02</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(0.01</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Loss per common share&#8209;diluted</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>(0.02</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>(0.01</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: center; font-style: italic;">See accompanying notes to consolidated financial statements.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-3</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: center; font-weight: bold;">BROADWAY FINANCIAL CORPORATION AND SUBSIDIARY</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">Consolidated Statements of <a name="ChangesinStockholders"><!--Anchor--></a>Changes in Stockholders&#8217; Equity</div>
      <div style="text-align: center; font-weight: bold;">(In thousands, except share and per share)</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" id="z5b39f053dc214751952948a9b99c4e64" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 18%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Common</div>
                <div style="text-align: center; font-weight: bold;">Shares</div>
                <div style="text-align: center; font-weight: bold;">Issued</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Common</div>
                <div style="text-align: center; font-weight: bold;">Stock</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Additional</div>
                <div style="text-align: center; font-weight: bold;">Paid&#8209;in</div>
                <div style="text-align: center; font-weight: bold;">Capital</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Retained</div>
                <div style="text-align: center; font-weight: bold;">Earnings</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Unearned</div>
                <div style="text-align: center; font-weight: bold;">ESOP shares</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Accumulated</div>
                <div style="text-align: center; font-weight: bold;">Other</div>
                <div style="text-align: center; font-weight: bold;">Comprehensive</div>
                <div style="text-align: center; font-weight: bold;">Loss, Net</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Treasury</div>
                <div style="text-align: center; font-weight: bold;">Stock</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Total</div>
                <div style="text-align: center; font-weight: bold;">Stockholders&#8217;</div>
                <div style="text-align: center; font-weight: bold;">Equity</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 18%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Balance at December 31, 2018</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">30,036,624</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">300</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">46,141</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">8,631</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">(1,027</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">(283</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">(5,326</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">48,436</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Net loss</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>(206</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>(206</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Common stock issued for services</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>1</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>52</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>53</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Common stock repurchased for tax withholdings</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>-</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>(14</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>(14</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
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          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Release of unearned ESOP shares</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>(3</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div>68</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>65</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Change in unrealized gain on securities available&#8209;for&#8209;sale, net of tax</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>260</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>260</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Restricted stock compensation expense</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>406,853</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>4</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>212</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>216</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Stock&#8209;based compensation expense</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); width: 7%;">
              <div>
                <div>38</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); width: 7%;">
              <div>
                <div>38</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>

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      <div><br>
      </div>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 18%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Balance at December 31, 2019</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">30,485,645</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">305</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">46,426</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">8,425</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">(959</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">(23</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">(5,326</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">48,848</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Net loss</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>(642</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>(642</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Common stock issued for services</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>30,930</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>45</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>45</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Release of unearned ESOP shares</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>2</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>66</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>68</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Change in unrealized gain on securities available&#8209;for&#8209;sale, net of tax</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>187</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 7%;">
              <div>187</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Restricted stock compensation expense, net of forfeitures</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>139,405</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>1</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>339</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>340</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 18%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Stock&#8209;based compensation expense</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 7%;">
              <div>
                <div>39</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 7%;">
              <div>
                <div>39</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 18%; padding-bottom: 4px;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Balance at December 31, 2020</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">30,655,980</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">306</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">46,851</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">7,783</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">(893</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
              <div>
                <div style="font-weight: bold;">)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">164</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">(5,326</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
              <div>
                <div style="font-weight: bold;">)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-weight: bold;">48,885</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: center; font-style: italic;">See accompanying notes to consolidated financial statements.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-4</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
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        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
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      <div style="text-align: center; font-weight: bold;">BROADWAY FINANCIAL CORPORATION AND SUBSIDIARY</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">Consolidated Statements of <a name="CashFlows"><!--Anchor--></a>Cash Flows</div>
      <div>&#160;</div>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Year Ended December 31</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;"> 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-size: 8pt;"><font style="font-size: 10pt; font-weight: bold;">Cash flows from operating activities</font><font style="font-size: 10pt;">:</font></div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Net loss</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(642</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(206</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Adjustments to reconcile net loss to net cash provided by operating activities:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Loan loss provision (recaptures)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>29</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(7</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Provision for losses on REO</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>13</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Depreciation</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>121</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>227</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Reversal of valuation allowance on loan held for sale</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(12</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Net amortization of deferred loan origination costs</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>275</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>254</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Net amortization of premiums on mortgage&#8209;backed securities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>37</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>30</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Amortization of investment in affordable housing limited partnership</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>105</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>179</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Stock&#8209;based compensation expense</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>379</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>254</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Stocks granted to directors</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>45</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>53</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">ESOP compensation expense</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>68</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>65</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Earnings on bank owned life insurance</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(47</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(53</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Originations of loans receivable held for sale</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(118,626</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(15,182</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Proceeds from sales and repayments of loans receivable held for sale</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>105,211</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>23,074</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Gain on sale of loans receivable held for sale</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(276</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(204</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Changes in operating assets and liabilities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Net change in deferred taxes</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(492</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(284</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Net change in accrued interest receivable</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>21</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(80</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Net change in other assets</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>114</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>124</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Net change in advance payments by borrowers for taxes and insurance</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(246</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(22</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Net change in accrued expenses and other liabilities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>369</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>310</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 36pt;">Net cash (used in) provided by operating activities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(13,555</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>8,533</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;">Cash flows from investing activities:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Net change in loans receivable held for investment</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>51,105</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(43,983</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Principal payments on available&#8209;for&#8209;sale securities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>2,537</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>4,055</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Purchases of available-for-sale municipal bonds</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(2,000</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Proceeds from sales of REO</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>820</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Purchase of FHLB stock</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(742</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Redemption of FHLB stock</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>227</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Additions to office properties and equipment</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(415</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(41</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 34.2pt;">Net cash provided by (used in) investing activities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>50,712</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>(39,149</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;">Cash flows from financing activities:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Net change in deposits</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>17,906</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>16,310</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Proceeds from FHLB advances</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>60,000</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>22,000</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Repayments on FHLB advances</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(33,500</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(8,000</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Payment for tax withholding for vesting of restricted stock</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(14</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Repayments of junior subordinated debentures</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>(1,020</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>(765</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 34.2pt;">Net cash provided by financing activities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>43,386</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>29,531</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Net change in cash and cash equivalents</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>80,543</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(1,085</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Cash and cash equivalents at beginning of the year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>15,566</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>16,651</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Cash and cash equivalents at end of the year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>96,109</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>15,566</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;">Supplemental disclosures of cash flow information:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Cash paid for interest</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>5,771</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>6,336</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Cash paid for income taxes</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>8</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>13</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;">Supplemental disclosures of non&#8209;cash investing and financing activities:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Transfers of loans receivable held for sale to loans receivable held for investment</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>13,691</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>9,227</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Transfers of loans receivable held for investment to loans receivable held for sale</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>10,684</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Common stock exchanged for payment of tax withholding</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>14</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Initial recognition of operating lease right-to-use assets</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1,120</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Initial recognition of operating lease liabilities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,120</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
      <div> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-5</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: center; font-weight: bold;">BROADWAY FINANCIAL CORPORATION AND SUBSIDIARY</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="NotestoConsolidatedFinanc"><!--Anchor--></a>Notes to Consolidated Financial Statements</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">December 31, 2020 and 2019</div>
      <div>&#160;</div>
      <div style="text-align: justify; font-weight: bold;">Note 1 &#8211; Summary of Significant Accounting Policies</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Nature of Operations and Principles of Consolidation</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Broadway Financial Corporation (the &#8220;Company&#8221;) is a Delaware corporation primarily engaged in the savings and loan business through its wholly owned subsidiary, Broadway Federal Bank, f.s.b. (the &#8220;Bank&#8221;). The Bank&#8217;s
        business is that of a financial intermediary and consists primarily of attracting deposits from the general public and using such deposits, together with borrowings and other funds, to make mortgage loans secured by residential and commercial real
        estate located in Southern California. At December 31, 2020, the Bank operated two retail&#8209;banking offices in Los Angeles, California and one in the nearby city of Inglewood, California. The Bank is subject to significant competition from other
        financial institutions and is also subject to regulation by certain federal agencies and undergoes periodic examinations by those regulatory authorities.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Broadway Federal Bank, f.s.b. All significant inter&#8209;company transactions and balances have been eliminated in
        consolidation.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Use of Estimates</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">To prepare consolidated financial statements in conformity with U.S. generally accepted accounting principles (&#8220;GAAP&#8221;), management makes estimates and assumptions based on available information. These estimates and
        assumptions affect the amounts reported in the consolidated financial statements and the disclosures provided, and actual results could differ from these estimates. The allowance and provision for loan losses, specific reserves for impaired loans,
        fair value of real estate owned, deferred tax asset valuation allowance, and fair values of investment securities and other financial instruments are particularly subject to change.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Cash and Cash Equivalents</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Cash and cash equivalents include cash on hand, cash items in the process of collection, amounts due from correspondent banks and the Federal Reserve Bank of San Francisco (the &#8220;Federal Reserve Bank&#8221;), and
        interest&#8209;bearing deposits in other banks with initial terms of ninety days or less. The Company may be required to maintain reserve and clearing balances with the Federal Reserve Bank under the Federal Reserve Act of 1913, as amended. Effective on
        March 26, 2020, as a part of Federal Reserve Bank&#8217;s tools to promote maximum employment, Federal Reserve Bank Board reduced reserve requirement ratios to zero.&#160; The reserve and clearing requirement balance was no longer required at December 31,
        2020. Net cash flows are reported for customer loan and deposit transactions, interest&#8209;bearing deposits in other banks, deferred income taxes and other assets and liabilities.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Investment Securities</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Debt securities are classified as held&#8209;to&#8209;maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities are classified as available&#8209;for&#8209;sale when
        they might be sold before maturity. Securities available&#8209;for&#8209;sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income (loss), net of tax.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level&#8209;yield method without anticipating prepayments. Gains and losses on sales are
        recorded on the trade date and determined using the specific identification method.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Management evaluates securities for other&#8209;than&#8209;temporary impairment (&#8220;OTTI&#8221;) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Consideration is given to
        the financial condition and near&#8209;term prospects of the issuer, the length of time and the extent to which the fair value has been less than the cost, and the intent and ability of management to retain its investment in the issuer for a period of
        time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer&#8217;s financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating
        agencies have occurred, and the results of reviews of the issuer&#8217;s financial condition.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-6</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify;"><u>Loans Receivable Held for Sale</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Bank originates loans for sale, and may, from time&#8209;to&#8209;time, decide to retain certain loans for held for investment in order to manage loan concentrations. When a decision is made to retain loans held-for-sale for
        held-for-investment, such loans are transferred from held&#8209;for&#8209;sale portfolio to held&#8209;for&#8209;investment portfolio at the lower of cost or fair value. If a reduction in value is required at time of the transfer, a charge&#8209;off is recorded against the
        allowance for loan and lease losses (&#8220;ALLL&#8221;). Any subsequent decline in value of the loans is recorded as a valuation allowance with a corresponding charge to non&#8209;interest expense.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Transfers of loans are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been legally isolated from the
        Bank, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right), to pledge or exchange the transferred assets, and provides no more than a trivial benefit to the Bank, and (3) the Bank does not
        maintain effective control over the transferred assets.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Loans receivable held for sale are generally sold with servicing rights released. Gains and losses on sales of loans are based on the difference between the selling price and the carrying value of the related loan
        sold. When loans receivable held for sale are sold, existing deferred loan fees or costs are an adjustment of the gain or loss on sale.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Loans Receivable Held for Investment</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of allowance for loan losses, deferred loan fees
        and costs and unamortized premiums and discounts. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct loan origination costs, premiums and discounts are deferred, and recognized in income using
        the level&#8209;yield method without anticipating prepayments.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Interest income on all loans is discontinued at the time the loan is 90 days delinquent unless the loan is well&#8209;secured and in process of collection. Past due status is based on the contractual terms of the loan. In
        all cases, loans are placed on non&#8209;accrual or charged&#8209;off at an earlier date if collection of principal or interest is considered doubtful.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">All interest accrued but not received for loans placed on non&#8209;accrual is reversed against interest income. Interest received on such loans is accounted for on the cash&#8209;basis or cost recovery method, until qualifying
        for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Concentration of Credit Risk</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Concentrations of credit risk arise when several customers are engaged in similar business activities, or activities in the same geographic region, or have similar economic features that would cause their ability to
        meet contractual obligations to be similarly affected by changes in economic conditions. The Company&#8217;s lending activities are predominantly in real estate loans that are secured by properties located in Southern California and many of the borrowers
        reside in Southern California. Therefore, the Company&#8217;s exposure to credit risk is significantly affected by changes in the economy and real estate market in the Southern California area.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Company has a significant concentration of deposits with two long&#8209;time customers that accounted for approximately 13% of its deposits as of December 31, 2020. The Company expects to maintain the relationships
        with the customers for the near term.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Loans Purchased</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Bank purchases or participates in loans originated by other institutions from time to time. Subject to regulatory restrictions applicable to savings institutions, the Bank&#8217;s current loan policies allow all loan
        types to be purchased. The determination to purchase specific loans or pools of loans is based upon the Bank&#8217;s investment needs and market opportunities and is subject to the Bank&#8217;s underwriting policies, which require consideration of the
        financial condition of the borrower and the appraised value of the property, among other factors. Premiums or discounts incurred upon the purchase of loans are recognized in income using the interest method over the estimated life of the loans,
        adjusted for actual prepayments. No loans were purchased during 2020 and 2019.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-7</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify;"><u>Allowance for Loan Losses</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed.
        Subsequent cash recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and
        estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management&#8217;s judgment, could be charged off.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired when, based on current information and events, it is probable that the
        Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties,
        are considered troubled debt restructurings (&#8220;TDR&#8221;) and classified as impaired.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience
        insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on case&#8209;by&#8209;case basis, taking into consideration all of the circumstances
        surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">If a loan is impaired, either a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan&#8217;s existing rate or alternatively a
        charge&#8209;off is taken to record the loan at the fair value of the collateral, less estimated selling costs, if repayment is expected solely from the collateral.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">TDRs are individually evaluated for impairment and included in the separately identified impairment disclosures. TDRs are measured at the present value of estimated future cash flows using the loan&#8217;s effective rate
        at inception. If a TDR is a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs that subsequently default, the Company determines the amount of any necessary additional charge&#8209;off based on internal
        analyses and appraisals of the underlying collateral securing these loans.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The general component covers loans that are collectively evaluated for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio
        segment with the use of a loss migration analysis and is based on the actual loss history experienced by the Company over the most recent five years. This actual loss experience is supplemented with information about other current economic factors
        based on the risks present for each portfolio segment. These current economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge&#8209;offs and recoveries; trends in
        volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national
        and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The following portfolio segments have been identified: one&#8209;to&#8209;four units (&#8220;single family&#8221;), five or more units (&#8220;multi&#8209;family&#8221;), commercial real estate, church, construction, commercial loans, and consumer loans. The
        risks in our various portfolio segments are as follows:</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><font style="font-style: italic;">Single Family</font> &#8211; Subject to adverse employment conditions in the local economy leading to increased default rate, decreased market values from oversupply in a geographic area
        and&#160; incremental rate increases on adjustable rate mortgages which may impact the ability of borrowers to maintain payments.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><font style="font-style: italic;">Multi&#8209;Family</font> &#8211; Subject to adverse various market conditions that cause a decrease in market value or lease rates, changes in personal funding sources for tenants, oversupply
        of units in a specific region, population shifts and reputational risks.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><font style="font-style: italic;">Commercial Real Estate</font> &#8211; Subject to adverse conditions in the local economy which may lead to reduced cash flows due to vacancies and reduced rental rates, and decreases in
        the value of underlying collateral.</div>
      <div>&#160;</div>
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      </div>
      <div style="text-align: justify;"><font style="font-style: italic;">Church</font> &#8211; Subject to adverse economic and employment conditions, which may lead to reduced cash flows from members&#8217; donations and offerings, and the stability, quality and
        popularity of church leadership.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><font style="font-style: italic;">Construction</font> &#8211; Subject to adverse conditions in the local economy, which may lead to reduced demand for new commercial, multi&#8209;family or single family buildings or reduced
        lease or sale opportunities once the building is complete.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><font style="font-style: italic;">Commercial</font> &#8211; Subject to industry and economic conditions including decreases in product demand.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><font style="font-style: italic;">Consumer</font> &#8211; Subject to adverse employment conditions in the local economy, which may lead to higher default rates.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Real Estate Owned</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Assets acquired through, or by deed in lieu of, loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted
        for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through a provision that is charged to non&#8209;interest expense. Operating costs after acquisition are
        expensed as incurred.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Office Properties and Equipment</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight&#8209;line method with useful lives ranging from 10 to
        40 years. Furniture, fixtures and equipment are depreciated using the straight&#8209;line method with useful lives ranging from 3 to 10 years. Leasehold improvements are amortized over the lease term or the estimated useful life of the asset, whichever
        is shorter.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Federal Home Loan Bank (FHLB) stock</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost,
        classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income when declared.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Bank&#8209;Owned Life Insurance</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Bank has purchased life insurance policies on a former key executive. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the
        cash surrender value adjusted for other charges or other amounts due that are probable at settlement.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Investment in Affordable Housing Limited Partnership</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Bank owns a less than 5% interest in an affordable housing limited partnership. The investment is recorded using the cost method and is being amortized over the life of the related tax credits. The tax credits
        are being recognized in income tax expense in the consolidated financial statements to the extent they are utilized on the Company&#8217;s income tax returns. The investment is reviewed for impairment on an annual basis or on an interim basis if an event
        occurs that would trigger potential impairment.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Loan Commitments and Related Financial Instruments</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Financial instruments include off&#8209;balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items
        represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.</div>
      <div>&#160;</div>
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        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-9</font></div>
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      </div>
      <div style="text-align: justify;"><u>Revenue Recognition</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Accounting Standard Codification (&#8220;ASC&#8221;) 606, Revenue from Contracts with Customers (&#8220;ASC 606&#8221;), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash
        flows arising from the entity&#8217;s contracts to provide goods or services to customers. The core principle requires the Company to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration
        that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. Most of our revenue&#8209;generating transactions are not subject to ASC 606, including revenue generated from
        financial instruments, such as our loans and investment securities, as these activities are subject to other GAAP discussed elsewhere within our disclosures. The Company&#8217;s revenue stream that is within the scope of Topic 606 is primarily service
        charges on deposit accounts, which consist of monthly service fees, check orders, and other deposit account related fees. The Company&#8217;s performance obligation for monthly service fees is generally satisfied, and the related revenue recognized, over
        the period in which the service is provided. Check orders and other deposit account related fees are largely transaction based, and therefore, the Company&#8217;s performance obligation is satisfied, and related revenue recognized, at a point in time.
        Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers&#8217; accounts.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Stock&#8209;Based Compensation</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Compensation cost is recognized for stock options and restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. A Black&#8209;Scholes model is utilized to estimate the fair
        value of stock options, while the market price of the Company&#8217;s common stock at the date of grant is used for restricted stock awards.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Compensation cost is recognized over the required service period, generally defined as the vesting period. Compensation cost is recognized on a straight&#8209;line basis over the requisite service period for the entire
        award. The Company&#8217;s accounting policy is to recognize forfeitures as they occur.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Income Taxes</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the
        temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">A tax position is recognized as a benefit only if it is &#8220;more likely than not&#8221; that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is
        the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the &#8220;more likely than not&#8221; test, no tax benefit is recorded.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Company recognizes interest related to income tax matters in interest expense and penalties related to tax matters in income tax expense.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Retirement Plans</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Employee 401(k) expense is the amount of matching contributions made by the Company.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Employee Stock Ownership Plan (ESOP)</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">The cost of shares issued to the ESOP, but not yet allocated to participants, is shown as a reduction of stockholders&#8217; equity. Compensation expense is based on the market price of shares as they are committed to be
        released to participant accounts. Dividends on allocated ESOP shares reduce retained earnings; dividends on unearned ESOP shares reduce debt and accrued interest.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Earnings (Loss) Per Common Share</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Basic earnings (loss) per share of common stock is computed pursuant to the two&#8209;class method by dividing net income available to common stockholders less dividends paid on participating securities (unvested shares of
        restricted common stock) and any undistributed earnings attributable to participating securities by the weighted average common shares outstanding during the period. The weighted average common shares outstanding includes the weighted average
        number of shares of common stock outstanding less the weighted average number of unvested shares of restricted common stock. ESOP shares are considered outstanding for this calculation unless unearned. Diluted earnings per share of common stock
        includes the dilutive effect of unvested stock awards using treasury stock method and additional potential common shares issuable under stock options.</div>
      <div>&#160;</div>
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        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-10</font></div>
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      </div>
      <div style="text-align: justify;"><u>Comprehensive Income (Loss)</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Comprehensive income (loss) consists of net income (loss) and other comprehensive income or loss. Other comprehensive income or loss includes unrealized gains and losses on securities available&#8209;for&#8209;sale, net of tax,
        which are also recognized as separate components of equity.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Loss Contingencies</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable, and an amount or range of loss can be reasonably
        estimated. Management does not believe that any such matters existed as of the balance sheet date that will have a material effect on the consolidated financial statements.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Fair Value Measurements</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction
        between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Level 2: Significant observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be
        corroborated by observable market data.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Level 3: Significant unobservable inputs that reflect a company&#8217;s own assumptions about the assumptions that market participants would use in pricing an asset or liability.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Fair values are estimated using relevant market information and other assumptions, as more fully disclosed in Note 8. Fair value estimates involve uncertainties and matters of significant judgment regarding interest
        rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Operating Segments</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Company operates as a single segment. The operating information used by management to assess performance and make operating decisions about the Company is the consolidated financial data presented in these
        financial statements. For the years ended 2020 and 2019, the Company had one active operating subsidiary, Broadway Federal Bank, f.s.b. The Company has determined that banking is its one reportable business segment.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Reclassifications</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">Some items in the prior year consolidated financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year consolidated net income or stockholders&#8217; equity.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Recently Adopted Accounting Pronouncements</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">In August 2018, the Federal Accounting Standards Board (&#8220;FASB&#8221;) issued Accounting Standards Update (&#8220;ASU&#8221;) No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements
        for Fair Value Measurement. The ASU was issued to improve the effectiveness of disclosures surrounding fair value measurements. The ASU removes numerous disclosures from Topic 820 including transfers between level 1 and 2 of the fair value
        hierarchy, the policy for timing of transfers between levels, and the valuation process for level 3 fair value measurements. The ASU also modified and added disclosure requirements regarding changes in unrealized gains and losses included in other
        comprehensive income, as well as the range and weighted average of unobservable inputs for level 3 fair value measurements. The ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019,
        with early adoption permitted. The guidance did not have a significant impact on the Company's consolidated financial statements.</div>
      <div>&#160;</div>
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        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-11</font></div>
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      </div>
      <div style="text-align: justify;">In March 2020, the FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU provides optional expedients and exceptions
        regarding the accounting related to the modifications of certain contracts, relationships and other transactions that are affected by reference rate reform related to contracts that reference LIBOR or other reference rates that could be
        discontinued due to reference rate reform.&#160; This guidance was effective immediately and the amendments may be applied prospectively through December 31, 2022.</div>
      <div>&#160;</div>
      <div style="text-align: justify;"><u>Accounting Pronouncements Yet to Be Adopted &#8211;</u></div>
      <div>&#160;</div>
      <div style="text-align: justify;">In June 2016, the FASB issued ASU 2016-13, &#8220;Financial Instruments &#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.&#8221;&#160; ASU 2016-13 replaces the incurred loss model with an expected
        loss model, which is referred to as the current expected credit loss (CECL) model.&#160; The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables, held-to-maturity debt
        securities, and reinsurance receivables. It also applies to off-balance sheet credit exposures not accounted for as insurance (such as loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net
        investments in leases recognized by a lessor.&#160; For debt securities with other-than-temporary impairment, the guidance will be applied prospectively.&#160; Existing purchased credit impaired (PCI) assets will be grandfathered and classified as purchased
        credit deteriorated (PCD) assets at the date of adoption.&#160; The asset will be grossed up for the allowance for expected credit losses for all PCD assets at the date of adoption and will continue to recognize the noncredit discount in interest income
        based on the yield of such assets as of the adoption date.&#160; Subsequent changes in expected credit losses will be recorded through the allowance.&#160; For all other assets within the scope of CECL, a cumulative-effect adjustment will be recognized in
        retained earnings as of the beginning of the first reporting period in which the guidance is effective.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">On October 16, 2019, the FASB voted to affirm the proposed amended effective date for ASU 2016-13 for smaller reporting companies (&#8220;SRCs&#8221;) as defined by the SEC. The final ASU, which was issued in November 2019,
        delays the implementation date for ASU 2016-13 to fiscal years beginning after December 15, 2022. SRCs are defined as companies with less than $250 million of public float or less than $100 million in annual revenues for the previous year and no
        public float or public float of less than $700 million.&#160; The Company qualifies as an SRC, and management will implement ASU 2016-13 in the first quarter of 2023.&#160; The estimated financial impact has not yet been determined.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments - Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments.&#160; This ASU is
        effective January 1, 2020 and clarifies the scope of the credit losses standard and addresses issues related to accrued interest receivable balances, recoveries, variable interest rates and prepayments, among other things. The amendments to Topic
        326 have the same effective dates as ASU 2016-13. This guidance did not have a significant impact on the Company's consolidated financial statements.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">In May 2019, the FASB issued ASU No. 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief. This ASU allows entities to irrevocably elect the fair value option on an
        instrument-by-instrument basis for eligible financial assets measured at amortized cost basis upon adoption of the credit loss standards. The effective date for this ASU is the same as for ASU 2016-13. We will evaluate this ASU in conjunction with
        ASU 2016-13 to determine its impact on our financial condition and results of operations.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes. This ASU is effective for fiscal years, and interim periods within those fiscal years,
        beginning after December 15, 2020. The amendments in this ASU are intended to simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740. The amendments are also intended to improve consistent
        application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidance. We are currently in the process of evaluating the impact of this ASU on the Company&#8217;s consolidated financial statements.</div>
      <div>&#160;</div>
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      </div>
      <div style="text-align: justify; font-weight: bold;">NOTE 2 &#8211; Pending Acquisition</div>
      <div>&#160;</div>
      <div style="text-align: justify;">On August 25, 2020, the Company entered into an Agreement and Plan of Merger (the &#8220;Merger Agreement&#8221;) with CFBanc Corporation, a District of Columbia benefit corporation (&#8220;City First&#8221;). The Merger Agreement provides
        that, among other things and subject to the terms and conditions of the Merger Agreement, City First will merge with and into the Company (the &#8220;City First Merger&#8221;), with the Company surviving and continuing as the surviving entity. At the effective
        time of the City First Merger, (1) each share of City First&#8217;s Class A Common Stock, par value $0.50 per share, and Class B Common Stock, par value $0.50 per share, issued and outstanding immediately prior to the Effective Time (other than any
        shares owned by City First or the Company and any Dissenting Shares (as defined in the Merger Agreement)) will be converted into 13.626 validly issued, fully paid and nonassessable shares, respectively, of the voting common stock of the Company,
        par value $0.01 per share, which will be renamed Class A Common Stock, and a new class of non-voting common stock of the Company, par value $0.01 per share, which will be named Class B Common Stock, and (2) each share of Fixed Rate Cumulative
        Redeemable Perpetual Preferred Stock, Series B, par value $0.50 per share, of City First (&#8220;City First Preferred Stock&#8221;) issued and outstanding immediately prior to the effective time of the City First Merger will be converted into one validly
        issued, fully paid and non-assessable share of a new series of preferred stock of the Company, which new series will be designated as the Company&#8217;s Fixed Rate Cumulative Redeemable Perpetual Preferred Stock, Series A, with such rights, preferences,
        privileges and voting powers, and limitations and restrictions thereof, which taken as a whole, are not materially less favorable to the holders of City First Preferred Stock than the rights, preferences, privileges and voting powers, and
        limitations and restrictions thereof of City First Preferred Stock. Immediately following the City First Merger, the Bank will merge with and into City First Bank of D.C., National Association (&#8220;CFB&#8221;), a wholly owned subsidiary of City First, with
        CFB continuing as the surviving entity.</div>
      <div><br>
      </div>
      <div style="text-align: justify;">On March 17, 2021, the stockholders of the Company and the stockholders of City First voted to approve the merger as described above. The Company previously announced on January 4, 2021 that all regulatory approvals
        necessary for consummation of the merger had been obtained.&#160; With stockholder approval now obtained, the merger is expected to close on April 1, 2021.</div>
      <div><br>
      </div>
      <div style="text-align: justify;">The unaudited pro forma information in the following table is intended for informational purposes only and is not necessarily indicative of future operating results or operating results that would have occurred had
        the mergers been completed at the beginning of each respective year.&#160; No assumptions have been applied to the pro forma results of operation regarding possible revenue enhancements, expense efficiencies or asset dispositions.</div>
      <div><br>
      </div>
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              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Period ended,</div>
            </td>
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              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31, 2020</div>
            </td>
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              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31, 2019</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 60%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(Dollars in thousands, except per share)</div>
              <div style="text-align: center; font-weight: bold;">(Unaudited)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 60%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Net interest income</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">23,781</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">23,606</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 60%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Net income</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">1,571</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">3,241</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 60%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 60%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Basic earnings per share</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">0.03</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">0.06</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 60%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Diluted earnings per share</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">0.03</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">0.06</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-align: justify; font-weight: bold;">Note 3 &#8211; Securities</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The following table summarizes the amortized cost and fair value of the available&#8209;for&#8209;sale investment securities portfolios at December 31, 2020 and December 31, 2019 and the corresponding amounts of unrealized gains
        (losses) which are recognized in accumulated other comprehensive income:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="z4af13d0d50b34523a915cbe087a8e70e" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amortized</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Cost</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Gross</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Unrealized</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Gains</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Gross</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Unrealized</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Losses</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Fair Value</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 42%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="14" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot; font-weight: bold;">December 31, 2020:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Federal agency mortgage&#8209;backed securities</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">5,550</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">257</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">5,807</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Federal agency debt</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">2,682</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">190</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">2,872</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Municipal bonds</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">2,000</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">19</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">-</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">2,019</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Total available&#8209;for&#8209;sale securities</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">10,232</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">466</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">-</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">10,698</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot; font-weight: bold;">December 31, 2019:</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Federal agency mortgage&#8209;backed securities</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">7,792</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">164</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">7,956</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Federal agency debt</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">3,014</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">36</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">-</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">3,050</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Total available&#8209;for&#8209;sale securities</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">10,806</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">200</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">-</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">11,006</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-13</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify;">At December 31, 2020, the Bank had two federal agency debt securities with a total amortized cost of $2.7 million and estimated total fair value of $2.9 million and an estimated average remaining life of 5.0 years.
        The Bank also had 22 federal agency mortgage&#8209;backed securities with total amortized cost of $5.6 million, estimated total fair value of $5.8 million and an estimated average remaining life of 2.8 years. Expected maturities may differ from
        contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties.&#160; In 2020, the Bank purchased five municipal bonds with a total amortized cost of $2.0 million, estimated fair value of
        $2.0 million at December 31, 2020 and an estimated average remaining life of 6.4 years.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">At December 31, 2020 and 2019, there were no securities pledged to secure public deposits since those public deposits are under $250 thousand which are fully insured by FDIC. At December 31, 2020 and 2019, there were
        no holdings of securities by any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders&#8217; equity.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">There were no sales of securities during the years ended December 31, 2020 and 2019.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Bank held 29 and 24 securities with unrealized gains and no securities with unrealized losses at December 31, 2020 and 2019, respectively. Securities in unrealized gain positions are analyzed as part of our
        ongoing assessment of other&#8209;than&#8209;temporary improvement in fair market values primarily caused by movements in market interest rates subsequent to the purchase of such securities.&#160; All of the Bank's securities were issued by the federal government
        or federal government agencies, or municipalities.</div>
      <div>&#160;</div>
      <div style="text-align: justify; font-weight: bold;">Note 4 &#8211; Loans Receivable Held for Sale</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Bank had no loans held for sale as of December 31, 2020 and 2019.&#160; Multi-family loans held for sale totaling $13.7 million were transferred to the loans held for investment portfolio during 2020 at the lower of
        cost or fair value.&#160; Loan sales of $22.8 million in multi&#8209;family loans were completed during 2020 for a total gain of $276 thousand. Loan sales of $22.8 million were completed during 2019 for a gain of $204 thousand.&#160; Loan repayments totaled $637
        thousand during 2020 and $115 thousand during 2019.</div>
      <div>&#160;</div>
      <div style="text-align: justify; font-weight: bold;">Note 5 &#8211; Loans Receivable Held for Investment</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Loans receivable held for investment were as follows as of the periods indicated:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="z3211ad56ebbe49988007fe29b70faa33" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31, 2020</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31, 2019</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 60%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Real estate:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Single family</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">48,217</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">72,883</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Multi&#8209;family</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">272,387</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">287,378</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Commercial real estate</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">24,289</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">14,728</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Church</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">16,658</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">21,301</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Construction</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">429</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">3,128</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Commercial &#8211; other</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">57</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">262</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Consumer</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">7</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">21</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Gross loans receivable before deferred loan costs and premiums</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">362,044</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">399,701</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Unamortized net deferred loan costs and premiums</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">1,300</div>
              </div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">1,328</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Gross loans receivable</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">363,344</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">401,029</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Allowance for loan losses</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">(3,215</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">(3,182</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%; padding-bottom: 4px;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Loans receivable, net</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">360,129</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">397,847</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>

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      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-14</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
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      <div style="text-align: justify;">The following tables present the activity in the allowance for loan losses by loan type for the periods indicated:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" id="ze646d9551a4943659236b79015522c39" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="30" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">For the year ended December 31, 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="18" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Real Estate</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Single</div>
                <div style="text-align: center; font-weight: bold;">family</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Multi&#8209;</div>
                <div style="text-align: center; font-weight: bold;">family</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Commercial</div>
                <div style="text-align: center; font-weight: bold;">real estate</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Church</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Construction</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Commercial</div>
                <div style="text-align: center; font-weight: bold;">&#8211; other</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Consumer</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Total</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="30" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Beginning balance</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div>312</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div>2,319</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div>133</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div>362</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div>48</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div>7</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div>1</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">
              <div>3,182</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 20%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Provision for (recapture of) loan losses</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>(20</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>114</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>89</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>(125</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>(26</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>(3</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div>29</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Recoveries</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>4</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>4</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Loans charged off</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Ending balance</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>296</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>2,433</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>222</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>237</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>22</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>4</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>1</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>3,215</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

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      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z1f3aa6650c6f4d89b0a4555d3e6a3439" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="30" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">For the year ended December 31, 2019</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="18" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Real Estate</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Single</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">family</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Multi&#8209;</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">family</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Commercial</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">real estate</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Church</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Construction</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Commercial</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">&#8211; other</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Consumer</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Total</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="30" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Beginning balance</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">369</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">1,880</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">52</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">603</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">19</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">6</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">2,929</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 20%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Recapture of loan losses</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div style="font-family: &#38;quot;">(57</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div style="font-family: &#38;quot;">439</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div style="font-family: &#38;quot;">81</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div style="font-family: &#38;quot;">(501</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div style="font-family: &#38;quot;">29</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div style="font-family: &#38;quot;">1</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div style="font-family: &#38;quot;">1</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%;">
              <div style="font-family: &#38;quot;">(7</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Recoveries</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">260</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: #CCEEFF;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">260</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Loans charged off</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 4px; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Ending balance</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">312</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">2,319</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">133</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">362</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">48</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">7</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">1</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">3,182</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge&#8209;offs, less interest applied to principal, plus unamortized
        deferred costs and premiums) by loan type and based on impairment method as of and for the periods indicated:</div>
      <div>&#160;</div>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="30" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31, 2020</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="18" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Real Estate</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Single</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">family</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Multi&#8209;</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">family</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Commercial</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">real estate</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Church</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Construction</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Commercial</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">&#8211; other</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Consumer</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Total</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 28%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="30" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Allowance for loan losses:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="12" style="vertical-align: top;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Ending allowance balance attributable to loans:</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 28%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Individually evaluated for impairment</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">89</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">52</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;"> $ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">141</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Collectively evaluated for impairment</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">207</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">2,433</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">222</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">185</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">22</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">4</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">1</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">3,074</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Total ending allowance balance</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">296</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">2,433</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">222</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">237</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">22</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">4</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">1</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">3,215</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Loans:</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 28%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Loans individually evaluated for impairment</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">573</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">298</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">3,813</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">47</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">4,731</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Loans collectively evaluated for impairment</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">47,784</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">273,566</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">24,322</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">12,495</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">430</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">9</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">7</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">358,613</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Total ending loans balance</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">48,357</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">273,864</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">24,322</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">16,308</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">430</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">56</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">7</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">363,344</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
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      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-15</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
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      <table cellspacing="0" cellpadding="0" border="0" id="zc98f8be57fd446e194a2640c9f1cc084" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

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            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="30" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">December 31, 2019</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="18" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Real Estate</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Single</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">family</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Multi&#8209;</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">family</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Commercial</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">real estate</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Church</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Construction</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Commercial</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">&#8211; other</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Consumer</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Total</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 28%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="30" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Allowance for loan losses:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Ending allowance balance attributable to loans:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 28%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Individually evaluated for impairment</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">60</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">85</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">2</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">147</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Collectively evaluated for impairment</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">252</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">2,319</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">133</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">277</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">48</div>
              </div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">5</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">1</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">3,035</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Total ending allowance balance</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">312</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">2,319</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">133</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">362</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">48</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">7</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">1</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">3,182</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Loans:</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 28%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Loans individually evaluated for impairment</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">611</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">313</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">4,356</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">63</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">$ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;">
              <div style="font-family: &#38;quot;">5,343</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Loans collectively evaluated for impairment</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">72,501</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">288,730</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">14,818</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">16,292</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">3,125</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">199</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">21</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">395,686</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Total ending loans balance</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">73,112</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">289,043</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">14,818</div>
              </div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">20,648</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">3,125</div>
              </div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">262</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">21</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">401,029</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z0cdfbffb5ca74ec38ff7f3b0315b98cf" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="10" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">December 31, 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="10" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">December 31, 2019</div>
                <div> </div>
              </div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Unpaid</div>
                <div style="text-align: center; font-weight: bold;">Principal</div>
                <div style="text-align: center; font-weight: bold;">Balance</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Recorded</div>
                <div style="text-align: center; font-weight: bold;">Investment</div>
                <div> </div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Allowance</div>
                <div style="text-align: center; font-weight: bold;">for Loan</div>
                <div style="text-align: center; font-weight: bold;">Losses</div>
                <div style="text-align: center; font-weight: bold;">Allocated</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Unpaid</div>
                <div style="text-align: center; font-weight: bold;">Principal</div>
                <div style="text-align: center; font-weight: bold;">Balance</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Recorded</div>
                <div style="text-align: center; font-weight: bold;">Investment</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Allowance</div>
                <div style="text-align: center; font-weight: bold;">for Loan</div>
                <div style="text-align: center; font-weight: bold;">Losses</div>
                <div style="text-align: center; font-weight: bold;">Allocated</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="22" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">With no related allowance recorded:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Single&#8209;family</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>2</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>1</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">$ &#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Multi&#8209;family</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>298</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>298</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>313</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>313</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Church</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>2,527</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>1,970</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>3,491</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>2,446</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">With an allowance recorded:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Single family</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>573</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>573</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>88</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>593</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>593</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>60</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Multi&#8209;family</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Church</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,842</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,842</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>52</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,928</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,928</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>85</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Commercial &#8211; other</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>47</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>47</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>1</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>63</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>63</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>2</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Total</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>5,289</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>4,731</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>141</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>6,388</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>5,343</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>147</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">The recorded investment in loans excludes accrued interest receivable due to immateriality. For purposes of this disclosure, the unpaid principal balance is not reduced for net charge&#8209;offs.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" id="z974c83b22c694af18335e82eb453fa8e" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">For the year ended December 31, 2020</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">For the year ended December 31, 2019</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Average</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Recorded</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Investment</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Cash Basis</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Interest</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Income</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Recognized</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Average</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Recorded</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Investment</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Cash Basis</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Interest</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Income</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Recognized</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 40%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="14" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot; text-indent: -9pt; margin-left: 9pt;">Single family</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">591</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">29</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">626</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">29</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div style="font-family: &#38;quot; text-indent: -9pt; margin-left: 9pt;">Multi&#8209;family</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">306</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">21</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">318</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div style="font-family: &#38;quot;">22</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot; text-indent: -9pt; margin-left: 9pt;">Church</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">4,033</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">442</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">5,017</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">939</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px;">
              <div style="font-family: &#38;quot; text-indent: -9pt; margin-left: 9pt;">Commercial &#8211; other</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">55</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">4</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">63</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">5</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot; text-indent: -9pt; margin-left: 9pt;">Total</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">4,985</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">496</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="font-family: &#38;quot;">6,024</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div><font style="font-family: &#38;quot;">$</font></div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div><font style="font-family: &#38;quot;">995</font></div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">Cash&#8209;basis interest income recognized represents cash received for interest payments on accruing impaired loans and interest recoveries on non&#8209;accrual loans that were paid off. Interest payments collected on
        non&#8209;accrual loans are characterized as payments of principal rather than payments of the outstanding accrued interest on the loans until the remaining principal on the non&#8209;accrual loans is considered to be fully collectible or paid off. When a loan
        is returned to accrual status, the interest payments that were previously applied to principal are deferred and amortized over the remaining life of the loan. Foregone interest income that would have been recognized had loans performed in
        accordance with their original terms amounted to $89 thousand and $120 thousand for the years ended December 31, 2020 and 2019, respectively, and were not included in the consolidated results of operations.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-16</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify;">The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" id="z1bb0f968cc4741d0b207a768ffa23da7" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" rowspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;">&#160;</td>
            <td valign="bottom" rowspan="1" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" rowspan="1" colspan="14" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center; font-weight: bold;">December 31, 2020</td>
            <td valign="bottom" rowspan="1" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" rowspan="1" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" rowspan="1" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" rowspan="1" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" rowspan="1" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">30&#8209;59</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Days</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Past Due</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">60&#8209;89</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Days</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Past Due</div>
              </div>
            </td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center; width: 1%;">&#160;</td>
            <td style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center; width: 11%;">
              <div>
                <div style="font-weight: bold;">Greater than</div>
                <div style="font-weight: bold;">90 Days</div>
                <div><font style="font-weight: bold;">Past Due </font><br>
                </div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Total</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Past Due</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Current</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Total</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 30%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="12" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 9%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Loans receivable held for investment:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 11%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Single family</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">$&#160; </td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">&#160; &#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">$ <br>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 11%; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">&#160; &#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">48,357</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div style="font-family: &#38;quot;">48,357</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Multi&#8209;family</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 11%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">273,864</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">273,864</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Commercial real estate</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="font-family: &#38;quot;">24,322</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="font-family: &#38;quot;">24,322</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Church</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 11%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">16,308</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">16,308</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Construction</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="font-family: &#38;quot;">430</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="font-family: &#38;quot;">430</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Commercial &#8211; other</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 11%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;">
              <div style="text-align: right; font-family: &#38;quot;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">56</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">56</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 30%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Consumer</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 11%;">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;">
              <div>
                <div style="font-family: &#38;quot;">7</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;">
              <div>
                <div style="font-family: &#38;quot;">7</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%; padding-bottom: 4px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Total</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">-</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">$&#160; </td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#160;&#8209;</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">$ <br>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 11%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">-</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">363,344</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;quot;">363,344</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" id="z732a74ba5f104db2a95f2f510577544d" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" rowspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;">&#160;</td>
            <td valign="bottom" rowspan="1" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" rowspan="1" colspan="14" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">December 31, 2019</div>
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            <td valign="bottom" rowspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" rowspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" rowspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" rowspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" rowspan="1" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">30&#8209;59</div>
                <div style="text-align: center; font-weight: bold;">Days</div>
                <div style="text-align: center; font-weight: bold;">Past Due</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;">
              <div>
                <div style="text-align: center; font-weight: bold;">60&#8209;89</div>
                <div style="text-align: center; font-weight: bold;">Days</div>
                <div style="text-align: center; font-weight: bold;">Past Due</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 11%;">
              <div>
                <div style="text-align: center; font-weight: bold;">Greater than</div>
                <div style="text-align: center; font-weight: bold;">90 Days</div>
                <div style="text-align: center; font-weight: bold;">Past Due</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Total</div>
                <div style="text-align: center; font-weight: bold;">Past Due</div>
                <div> </div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Current</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Total</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 30%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="12" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 9%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Loans receivable held for investment:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 11%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Single family</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>18</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">$&#160;&#160; <br>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">$&#160;&#160; <br>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 11%; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>18</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>73,094</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>73,112</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Multi&#8209;family</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 11%;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>289,043</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>289,043</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Commercial real estate</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div>14,818</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div>14,818</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Church</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 11%;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>20,648</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>20,648</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Construction</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div>3,125</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div>3,125</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Commercial &#8211; other</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 11%;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>262</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>262</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 30%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Consumer</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 11%;">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;">
              <div>
                <div>21</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;">
              <div>
                <div>21</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%; padding-bottom: 4px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Total</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>18</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">$&#160;&#160; <br>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#160;&#8209;</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">$&#160;&#160; <br>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 11%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#160;&#160; &#160; &#160; &#160; &#160;&#160; &#8209;</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>18</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>401,011</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>401,029</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">The following table presents the recorded investment in non&#8209;accrual loans by loan type as of the periods indicated:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" id="z0bfa787a8e7743a5a938b406422c9b76" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-indent: -9pt; margin-left: 9pt; width: 70%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">December 31, 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">December 31, 2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Loans receivable held for investment:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Single family</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div>1</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div>18</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Church</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>786</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>406</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Total non-accrual loans</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>787</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>424</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">There were no loans 90 days or more delinquent that were accruing interest as of December 31, 2020 or December 31, 2019.</div>
      <div>&#160;</div>
      <div style="text-align: justify; font-style: italic; font-weight: bold;">Troubled Debt Restructurings</div>
      <div>&#160;</div>
      <div style="text-align: justify;">At December 31, 2020, loans classified as troubled debt restructurings (&#8220;TDRs&#8221;) totaled $4.2 million, of which $232 thousand were included in non&#8209;accrual loans and $4.0 million were on accrual status. At December 31,
        2019, loans classified as TDRs totaled $4.7 million, of which $406 thousand were included in non&#8209;accrual loans and $4.3 million were on accrual status. The Company has allocated $141 thousand and $147 thousand of specific reserves for accruing TDRs
        as of December 31, 2020 and 2019, respectively. TDRs on accrual status are comprised of loans that were accruing at the time of restructuring or loans that have complied with the terms of their restructured agreements for a satisfactory period and
        for which the Bank anticipates full repayment of both principal and interest. TDRs that are on non&#8209;accrual status can be returned to accrual status after a period of sustained performance, generally determined to be six months of timely payments,
        as modified. A well&#8209;documented credit analysis that supports a return to accrual status based on the borrower&#8217;s financial condition and prospects for repayment under the revised terms is also required. As of December 31, 2020 and 2019, the Company
        had no commitment to lend additional amounts to customers with outstanding loans that are classified as TDRs. No loans were modified during the years ended December 31, 2020 and 2019.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-17</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify; font-style: italic; font-weight: bold;">Credit Quality Indicators</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit
        documentation, public information, and current economic trends, among other factors. For single family residential, consumer and other smaller balance homogenous loans, a credit grade is established at inception, and generally only adjusted based
        on performance. Information about payment status is disclosed elsewhere herein. The Company analyzes all other loans individually by classifying the loans as to credit risk. This analysis is performed at least on a quarterly basis. The Company uses
        the following definitions for risk ratings:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z598016cd34474b2482c379fd23759697">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right; font-weight: bold;">&#9679;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold; font-style: italic;">Watch.</font> Loans classified as watch exhibit weaknesses that could threaten the current net worth and paying capacity of the obligors. Watch graded loans are generally performing
                and are not more than 59 days past due. A watch rating is used when a material deficiency exists, but correction is anticipated within an acceptable time frame.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z06f9a2f0c3654fdd8f64ecbb1985348c">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right; font-weight: bold;">&#9679;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold; font-style: italic;">Special Mention.</font> Loans classified as special mention have a potential weakness that deserves management&#8217;s close attention. If left uncorrected, these potential weaknesses may
                result in deterioration of the repayment prospects for the loan or of the institution&#8217;s credit position at some future date.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8e3891380760427eb1508ed1976d4ffe">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right; font-weight: bold;">&#9679;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold; font-style: italic;">Substandard.</font> Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans
                so classified have a well&#8209;defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zfffcbaa5f4c745f7b85095f8a9eada3f">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right; font-weight: bold;">&#9679;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold; font-style: italic;">Doubtful.</font> Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or
                liquidation in full, based on currently existing facts, conditions, and values, highly questionable and improbable.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zec90ad274c9140fbb5d924d307656e22">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right; font-weight: bold;">&#9679;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold; font-style: italic;">Loss.</font> Loans classified as loss are considered uncollectible and of such little value that to continue to carry the loan as an active asset is no longer warranted.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Pass rated loans are generally well protected by the current net worth
        and paying capacity of the obligor and/or by the value of the underlying collateral. Pass rated loans are not more than 59 days past due and are generally performing in accordance with the loan terms. Based on the most recent analysis performed,
        the risk categories of loans by loan type as of the periods indicated were as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="zb8b243a16adc48c8bd96396834c6ab00">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 32%;" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" rowspan="1" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center; font-weight: bold;" rowspan="1" colspan="20">December 31, 2020&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 32%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div>
                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;"> Pass</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div>
                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Watch</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div>
                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Special Mention</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div>
                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Substandard</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;">
              <div>
                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Doubtful</div>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;">
              <div>
                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Loss</div>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 32%;" rowspan="1">&#160;</td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; text-align: center; font-weight: bold;" colspan="20" rowspan="1">(In thousands)</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" rowspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 32%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;amp;">Single family</div>
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            <td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
              <div style="font-family: &#38;amp;">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">48,357</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;amp;">$ <br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
              <div style="font-family: &#38;amp;">$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
              <div style="font-family: &#38;amp;">$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">1</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">$&#160;&#160; <br>
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            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#160;&#160; &#160; &#160; &#160; &#160; &#160; &#8209;</div>
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            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">$&#160; </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#160;&#8209;</div>
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            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 32%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;amp;">Multi&#8209;family</div>
            </td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">273,501</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">362</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 32%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;amp;">Commercial real estate</div>
            </td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">22,834</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">1,488</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="2">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="2">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 32%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;amp;">Church</div>
            </td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">12,899</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">657</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">2,752</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 32%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;amp;">Construction</div>
            </td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">430</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="2">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="2">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 32%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;amp;">Commercial &#8211; other</div>
            </td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">9</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;"><br>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
              <div style="font-family: &#38;amp;">47</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 32%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;amp;">Consumer</div>
            </td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
              <div>
                <div style="font-family: &#38;amp;">7</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="2">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="2">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;">
              <div>
                <div style="text-align: right;"><br>
                </div>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 32%; padding-bottom: 4px;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;amp;">Total</div>
            </td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
              <div>
                <div style="font-family: &#38;amp;">$</div>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
              <div>
                <div style="font-family: &#38;amp;">358,037</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
              <div>
                <div style="font-family: &#38;amp;">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
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                <div style="font-family: &#38;amp;">2,145</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
              <div>
                <div style="font-family: &#38;amp;">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
              <div>
                <div style="font-family: &#38;amp;">-</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
              <div>
                <div style="font-family: &#38;amp;">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
              <div>
                <div style="font-family: &#38;amp;">3,162</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">$<br>
                </div>
              </div>
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            <td valign="bottom" style="vertical-align: bottom; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div><br>
              </div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">$&#160;&#160; <br>
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            <td valign="bottom" style="vertical-align: bottom; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#160;&#8209;</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 32%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 0.97%;">&#160;</td>
            <td valign="bottom" rowspan="1" colspan="20" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">December 31, 2019</div>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 32%;">&#160;</td>
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              <div>
                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;"> Pass</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Watch</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Special Mention</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Substandard</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;">
              <div>
                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Doubtful</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 0.97%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;">
              <div>
                <div style="text-align: center; font-family: &#38;amp; font-weight: bold;">Loss</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 32%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="20" style="vertical-align: bottom;" rowspan="1">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
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          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 32%;">
              <div style="text-indent: -10pt; margin-left: 10pt; font-family: &#38;amp;">Single family</div>
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            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;"><br>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;amp;">$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9.01%;">
              <div style="font-family: &#38;amp;">73,094</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> $<br>
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            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;amp;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9.01%;">
              <div style="font-family: &#38;amp;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div style="font-family: &#38;amp;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9.01%;">
              <div style="font-family: &#38;amp;">18</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">$ <br>
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            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#160;&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">$</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 32%;">
              <div style="text-indent: -10pt; margin-left: 10pt; font-family: &#38;amp;">Multi&#8209;family</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.01%;">
              <div style="font-family: &#38;amp;">288,251</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.01%;">
              <div style="font-family: &#38;amp;">411</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.01%;">
              <div style="font-family: &#38;amp;">381</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 0.97%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 32%;">
              <div style="text-indent: -10pt; margin-left: 10pt; font-family: &#38;amp;">Commercial real estate</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9.01%;">
              <div style="font-family: &#38;amp;">14,818</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;amp;"><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 32%;">
              <div style="text-indent: -10pt; margin-left: 10pt; font-family: &#38;amp;">Church</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.01%;">
              <div style="font-family: &#38;amp;">16,546</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.01%;">
              <div style="font-family: &#38;amp;">411</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.01%;">
              <div style="font-family: &#38;amp;">3 691</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 0.97%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 32%;">
              <div style="text-indent: -10pt; margin-left: 10pt; font-family: &#38;amp;">Construction</div>
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            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9.01%;">
              <div style="font-family: &#38;amp;">3,125</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;amp;"><br>
              </div>
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            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 32%;">
              <div style="text-indent: -10pt; margin-left: 10pt; font-family: &#38;amp;">Commercial &#8211; other</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.01%;">
              <div style="font-family: &#38;amp;">199</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;">
              <div style="text-align: right; font-family: &#38;amp;"><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.01%;">
              <div style="font-family: &#38;amp;">63</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 0.97%;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right; font-family: &#38;amp;">&#8209;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 32%;">
              <div style="text-indent: -10pt; margin-left: 10pt; font-family: &#38;amp;">Consumer</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9.01%;">
              <div>
                <div style="font-family: &#38;amp;">21</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="text-align: right;"><br>
                </div>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 0.97%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right;">&#8209; </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 0.97%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;">
              <div>
                <div style="text-align: right;">&#8209;</div>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 32%; padding-bottom: 4px;">
              <div style="text-indent: -10pt; margin-left: 10pt; font-family: &#38;amp;">Total</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 0.97%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;amp;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.01%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;amp;">396,054</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 0.97%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;amp;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.01%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;amp;">822</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 0.97%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;amp;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.01%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;amp;">-</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 0.97%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;amp;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.01%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="font-family: &#38;amp;">4,153</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 0.97%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">$&#160; <br>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#160;&#160; &#160; &#160; &#160; &#160; <br>
                </div>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 0.97%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">$ <br>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#160;&#160; &#160; &#160; &#160; &#160; &#160;&#160; &#8209;</div>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-18</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify; font-weight: bold;">Note 6 &#8211; Office Properties and Equipment, net</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Year&#8209;end office properties and equipment were as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="z6fe038445fdb422f98922a519032ca70" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;"> 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Land</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>572</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>572</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Office buildings and improvements</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>3,275</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>3,268</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Rights of use assets</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>190</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>727</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Furniture, fixtures and equipment</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>2,239</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>1,831</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>6,276</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>6,398</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Less accumulated depreciation</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>(3,736</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>(3,615</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Office properties and equipment, net</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>2,540</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>2,783</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">Depreciation expense was $121 thousand and $227 thousand for the years 2020 and 2019, respectively.</div>
      <div><br>
      </div>
      <div style="text-align: justify;"><font style="font-weight: bold;">Note 7 </font>&#8211;<font style="font-weight: bold;"> Leases</font></div>
      <div><br>
      </div>
      <div style="text-align: justify;">The Bank has a combined operating lease for its corporate headquarters and main retail branch and a photocopier lease. The ROU asset and operating lease liability are recorded in fixed assets and other liabilities,
        respectively, in the consolidated statements of financial condition.</div>
      <div><br>
      </div>
      <div style="text-align: justify;">Our ROU asset represents our right to use an underlying asset during the lease term. Operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease
        liabilities are recognized based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate at the date of implementation of the new accounting standard.</div>
      <div><br>
      </div>
      <div style="text-align: justify;">The operating lease for our corporate headquarters and main retail branch has one 5-year extension option at the then fair market rate. As this extension option is not reasonably certain of exercise, it is not
        included in the lease term. The Bank recorded a ROU asset of $190 thousand and an operating lease liability of $194 thousand as of December 31, 2020. The Bank has no finance leases.</div>
      <div><br>
      </div>
      <div style="text-align: justify;">Rent expense under the operating leases was $598 thousand for 2020 and $600 thousand for 2019.</div>
      <div>&#160;</div>
      <div>Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands):</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" align="left" id="z47b0733ce78249099c00ea2bb4751665" style="width: 80%; color: #000000; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; padding-bottom: 2px; width: 65%;"><br>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;"> Year Ended</div>
              <div style="text-align: center; font-style: normal;"> December 31, 2020</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 65%;"><br>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 65%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Cash paid for amounts included in the measurement of&#160; lease liabilities for operating leases:</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div>351</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 65%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">ROU assets obtained in exchange for lease liabilities</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">
              <div>190</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Weighted average remaining lease term in months</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div style="font-family: 'Times New Roman';">4</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Weighted average discount rate</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%;">2.75</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">%</td>
          </tr>

      </table>
      <div style="clear: both;"><br>
      </div>
      <div style="text-align: justify;">The future minimum payments for operating leases with remaining terms of one year or more as of December 31, 2020 were as follows (in thousands):</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" align="left" id="z152a1dc790494184a552707e189b2e25" style="width: 70%; color: #000000; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: top; width: 58%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
              <div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;">Year ended December 31, 2021</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">$<br>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>195</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 58%;">
              <div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;">Total Future Minimum Lease Payments</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>195</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 58%; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; text-indent: -9pt; margin-left: 18pt;">Amounts Representing Interest</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>(1</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
              <div><u>)</u></div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 4px; width: 58%;">
              <div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;">Present Value of Net Future Minimum Lease Payments</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>194</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>

      </table>
      <div style="clear: both;"><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-19</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify; font-weight: bold;">Note 8 &#8211; Fair Value</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Company used the following methods and significant assumptions to estimate fair value:</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The fair values of securities available&#8209;for&#8209;sale are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs) or matrix pricing, which is a mathematical technique to value
        debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities&#8217; relationship to other benchmark quoted securities (Level 2 inputs).</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The fair value of impaired loans that are collateral dependent is generally based upon the fair value of the collateral, which is obtained from recent real estate appraisals. These appraisals may utilize a single
        valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and
        income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted
        accordingly.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Assets acquired through or by transfer in lieu of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at
        the lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated every nine months. These appraisals may utilize a single valuation approach or a combination of
        approaches, including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments
        are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Appraisals for collateral&#8209;dependent impaired loans are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and
        licenses have been reviewed and verified by the Company. Once received, an independent third&#8209;party licensed appraiser reviews the appraisals for accuracy and reasonableness, reviewing the assumptions and approaches utilized in the appraisal as well
        as the overall resulting fair value in comparison with independent data sources such as recent market data or industry&#8209;wide statistics.</div>
      <div>&#160;</div>
      <div style="text-align: justify; font-style: italic; font-weight: bold;">Assets Measured on a Recurring Basis</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Assets measured at fair value on a recurring basis are summarized below:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" id="zcb32d429f65d45eaaf1d4efff201874b" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 55%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="11" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Fair Value Measurement</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 55%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Quoted Prices</div>
                <div style="text-align: center; font-weight: bold;">in Active</div>
                <div style="text-align: center; font-weight: bold;">Markets for</div>
                <div style="text-align: center; font-weight: bold;">Identical</div>
                <div style="text-align: center; font-weight: bold;">Assets</div>
                <div style="text-align: center; font-weight: bold;">(Level 1)</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Significant</div>
                <div style="text-align: center; font-weight: bold;">Other</div>
                <div style="text-align: center; font-weight: bold;">Observable</div>
                <div style="text-align: center; font-weight: bold;">Inputs</div>
                <div style="text-align: center; font-weight: bold;">(Level 2)</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;">
              <div>
                <div style="text-align: center; font-weight: bold;">Significant</div>
                <div style="text-align: center; font-weight: bold;">Unobservable</div>
                <div style="text-align: center; font-weight: bold;">Inputs</div>
                <div style="text-align: center; font-weight: bold;">(Level 3)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Total</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 55%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="11" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">At December 31, 2020:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 55%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Securities available&#8209;for&#8209;sale &#8211; federal agency mortgage&#8209;backed</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div>$<br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div>5,807</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right;">$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div>5,807</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Municipal bonds</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>2,019</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>2,019</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Securities available&#8209;for&#8209;sale &#8211; federal agency debt</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>2,872</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>2,872</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">At December 31, 2019:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">-<br>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 55%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Securities available&#8209;for&#8209;sale &#8211; federal agency mortgage&#8209;backed</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div>$<br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div>7,956</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">
              <div style="text-align: right;">$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; &#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;">
              <div>7,956</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Securities available&#8209;for&#8209;sale &#8211; federal agency debt</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>3,050</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 9%;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>3,050</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">There were no transfers between Level 1, Level 2, or Level 3 during the years ended December 31, 2020 and 2019.</div>
      <div>&#160;</div>
      <div style="text-align: justify; font-style: italic; font-weight: bold;">Assets Measured on a Non&#8209;Recurring Basis</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Assets are considered to be reflected at fair value on a non&#8209;recurring basis if the fair value measurement of the instrument does not necessarily result in a change in the amount recorded on the statement of
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      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-20</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify;">The following table provides information regarding the carrying values of our assets measured at fair value on a non&#8209;recurring basis as of the periods indicated. The fair value measurement for all these assets falls
        within Level 3 of the fair value hierarchy.</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="zfa07835ad9bf47c7925c9eededd49e0c" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">December 31, 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">December 31, 2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 60%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Impaired loans carried at fair value of collateral</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);">
              <div>130</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-align: justify; font-style: italic; font-weight: bold;">Fair Values of Financial Instruments</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The carrying amounts and estimated fair values of financial instruments as of the periods indicated were as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z5a3c93a93ed0411eab4e0ec8419fbcb0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">Carrying</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="14" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Fair Value Measurements at December 31, 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Value</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Level 1</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Level 2</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Level 3</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Total</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="18" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Financial Assets:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Cash and cash equivalents</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>96,109</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>96,109</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>96,109</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Securities available&#8209;for&#8209;sale</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>10,698</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>10,698</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>10,698</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Loans receivable held for investment<br>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>360,129</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>366,279</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>366,279</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Accrued interest receivable</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1,202</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>60</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>14</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1,128</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1,202</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
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            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>5,633</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>5,633</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>5,633</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%;">
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>315,630</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>312,725</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>312,725</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Federal Home Loan Bank advances</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>110,500</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>113,851</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>113,851</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Junior subordinated debentures</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>3,315</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>2,798</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>2,798</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Accrued interest payable</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>88</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>84</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>4</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>88</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
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            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="14" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Fair Value Measurements at December 31, 2019</div>
                <div> </div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
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                <div> </div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
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                <div> </div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
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                <div> </div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
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          <tr>
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              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;">Financial Assets:</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Cash and cash equivalents</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>15,566</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>15,566</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">$<br>
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            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">$<br>
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            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>15,566</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Securities available&#8209;for&#8209;sale</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>11,006</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>-</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>11,006</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;">
              <div style="text-align: right;"><br>
              </div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>11,006</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Loans receivable held for sale</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;"><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;"><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Loans receivable held for investment</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>397,847</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;">
              <div style="text-align: right;"><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;">
              <div style="text-align: right;"><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>404,923</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>404,923</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Accrued interest receivable</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,223</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>69</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>22</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,132</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,223</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Bank owned life insurance</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>5,220</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>5,220</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>5,220</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;">Financial Liabilities:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Deposits</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>297,724</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;">
              <div style="text-align: right;">$<br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>289,629</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;">
              <div style="text-align: right;">$<br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>289,629</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Federal Home Loan Bank advances</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>84,000</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;"><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>84,997</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;"><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>84,997</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Junior subordinated debentures</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>4,335</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;">
              <div style="text-align: right;"><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;">
              <div style="text-align: right;"><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>3,734</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
              <div>3,734</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Accrued interest payable</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>384</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;"><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">-<br>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>377</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>7</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">
              <div>384</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
      <div style="text-align: justify; text-indent: -36pt; margin-left: 36pt;"> <br>
      </div>
      <div style="text-align: justify; font-weight: bold;">Note 9 &#8211; Deposits</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Deposits are summarized as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="z4afc6194714b4c53821ce9e707e08d53" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;">`</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">December 31,</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;"> 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">NOW account and other demand deposits</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>15,237</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>9,768</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Non&#8209;interest bearing demand deposits</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>47,269</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>27,090</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Money market deposits</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>60,281</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>23,589</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Passbook</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>64,127</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>47,042</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Certificates of deposit</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>128,716</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>190,235</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Total</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>315,630</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>297,724</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">The Bank accepts two types of deposits from a deposit placement service called the Certificate of Deposit Account Registry Service (&#8220;CDARS&#8221;). Reciprocal deposits are the Bank&#8217;s own retail deposits in amounts in
        excess of the insured limits. The CDARS program allows banks to place their customers&#8217; funds in FDIC&#8209;insured certificates of deposit at other banks and, at the same time, receive an equal sum of funds from the customers of other banks in the CDARS
        Network. These deposits totaled $35.8 million and $39.3 million at December 31, 2020 and 2019, respectively and are not considered to be brokered deposits.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">One&#8209;way deposits are also available using the CDARS program. With the one&#8209;way program, the Bank accepts deposits from CDARS even though there is no customer account involved. These one-way deposits, which are
        considered to brokered deposits, totaled $9.6 million and $40.7 million at December 31, 2020 and 2019, respectively.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">At December 31, 2020, the Bank had $15.1 million in (non-CDARS) brokered deposits and did not have any (non-CDARS) brokered deposits at December 31, 2019.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Scheduled maturities of certificates of deposit for the next five years are as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="z8382e20f251640a4890c56d59b60d228" style="width: 60%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 48%;">
              <div>
                <div style="text-align: center; font-weight: bold;">Maturity</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Amount</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="vertical-align: middle; width: 48%; text-align: center;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="vertical-align: middle; width: 48%; background-color: rgb(204, 238, 255); text-align: center;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2021</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>113,221</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="vertical-align: middle; width: 48%; text-align: center;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2022</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>13,095</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="vertical-align: middle; width: 48%; background-color: rgb(204, 238, 255); text-align: center;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2023</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,809</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="vertical-align: middle; width: 48%; text-align: center;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2024</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>271</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="vertical-align: middle; width: 48%; background-color: rgb(204, 238, 255); text-align: center;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2025</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>245</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="vertical-align: middle; width: 48%; padding-bottom: 2px; text-align: center;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Thereafter</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>75</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="vertical-align: middle; width: 48%; padding-bottom: 4px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>128,716</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">Certificates of deposit of $250 thousand or more totaled $18.9 million and $25.1 million at December 31, 2020 and 2019, respectively.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Deposits from principal officers, directors, and their affiliates totaled $838 thousand and $1.8 million at December 31, 2020 and 2019, respectively.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-22</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify; font-weight: bold;">Note 10 &#8211; Federal Home Loan Bank Advances</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The following table summarizes information relating to FHLB advances at or for the periods indicated:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="zef168f07c058456d93fe976770043f91" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">At or For the Year Ended</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;"> 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(Dollars in thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">FHLB Advances:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Average balance outstanding during the year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>114,020</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>77,049</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Maximum amount outstanding at any month&#8209;end during the year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>121,500</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>84,000</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Balance outstanding at end of year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>110,500</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>84,000</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Weighted average interest rate at end of year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1.94</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>%</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>2.32</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Average cost of advances during the year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1.91</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>%</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>2.42</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Weighted average contractual maturity (in months)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>27</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>18</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">Each advance is payable at its maturity date, with a prepayment penalty. The advances were collateralized by $220.0 million and $156.1 million of first mortgage loans at December 31, 2020 and 2019, respectively,
        under a blanket lien arrangement.&#160; Based on this collateral, the Company&#8217;s holdings of FHLB stock, and a general borrowing limit of 40% of total assets at December 31, 2020, the Company was eligible to borrow up to an additional $40.3 million at
        year&#8209;end 2020.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Required payments over the next five years are as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="ze016ad26f76e4a149301aeec9979390d" style="width: 60%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 48%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Amount</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 48%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2021</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>27,500</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2022</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>18,000</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2023</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>30,000</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2024</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>5,000</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2025</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>30,000</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>110,500</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify; font-weight: bold;">Note 11 &#8211; Junior Subordinated Debentures</div>
      <div>&#160;</div>
      <div style="text-align: justify;">On March 17, 2004, the Company issued $6.0 million of Floating Rate Junior Subordinated Debentures (the &#8220;Debentures&#8221;) in a private placement to a trust that was capitalized to purchase subordinated debt and preferred
        stock of multiple community banks. Interest on the Debentures is payable quarterly at a rate per annum equal to the 3&#8209;Month LIBOR plus 2.54%. The interest rate is determined as of each March 17, June 17, September 17, and December 17, and was 2.77%
        at December 31, 2020. On October 16, 2014, the Company made payments of $900 thousand of principal on Debentures, executed a Supplemental Indenture for the Debentures that extended the maturity of the Debentures to March 17, 2024, and modified the
        payment terms of the remaining $5.1 million principal amount thereof. The modified terms of the Debentures require quarterly payments of interest only through March 2019 at the original rate of 3&#8209;Month LIBOR plus 2.54%. Starting in June 2019, the
        Company began making quarterly payments of equal amounts of principal, plus interest, and will continue until the Debentures are fully amortized on March 17, 2024.&#160; At December 31, 2020, the Company had repaid a total of $1.8 million of the
        scheduled principal.&#160; The Debentures may be called for redemption at any time by the Company.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Scheduled principal repayments of junior subordinated debentures over the next four years are as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="z13111b2ac46441b5ab20bb4259003798" style="width: 60%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 48%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Amount</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 48%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2021</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,020</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2022</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1,020</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2023</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,020</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">2024</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>255</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>3,315</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-23</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify; font-weight: bold;">Note 12 &#8211; Employee Benefit Plans</div>
      <div>&#160;</div>
      <div style="text-align: justify; font-style: italic; font-weight: bold;">Broadway Federal 401(k) Plan</div>
      <div>&#160;</div>
      <div style="text-align: justify;">A 401(k) benefit plan allows employee contributions for substantially all employees up to 15% of their compensation, which are matched at a rate equal to 50% of the first 6% of the compensation contributed. Expense
        totaled $146 thousand and $135 thousand for 2020 and 2019.</div>
      <div>&#160;</div>
      <div style="text-align: justify; font-style: italic; font-weight: bold;">ESOP Plan</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Employees participate in an Employee Stock Option Plan (&#8220;ESOP&#8221;) after attaining certain age and service requirements. In December 2016, the ESOP purchased 1,493,679 shares of the Company&#8217;s common stock at $1.59 per
        share, for a total cost of $2.4 million, of which $1.2 million was funded with a loan from the Company. The loan will be repaid from the Bank&#8217;s annual discretionary contributions to the ESOP, net of dividends paid, over a period of 20 years. Shares
        of the Company&#8217;s common stock purchased by the ESOP are held in a suspense account until released for allocation to participants. When loan payments are made, shares are allocated to each eligible participant based on the ratio of each such
        participant&#8217;s compensation, as defined in the ESOP, to the total compensation of all eligible plan participants. As the unearned shares are released from the suspense account, the Company recognizes compensation expense equal to the fair value of
        the ESOP shares during the periods in which they become committed to be released. To the extent that the fair value of the ESOP shares released differs from the cost of such shares, the difference is charged or credited to equity as additional
        paid&#8209;in capital. Dividends on allocated shares increase participant accounts. Dividends on unallocated shares will be used to repay the loan. At the end of employment, participants will receive shares for their vested balance. Compensation expense
        related to the ESOP was $68 thousand for 2020 and $65 thousand for 2019.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Shares held by the ESOP were as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="z5cc21cf42d8c457ca74674d58ac5f775" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">December 31,</div>
                <div style="text-align: center; font-weight: bold;">2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">December 31,</div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(Dollars in thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Allocated to participants</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,065,275</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1,024,429</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Committed to be released</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>10,236</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>10,416</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Suspense shares</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>562,391</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>603,876</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Total ESOP shares</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>1,637,902</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>1,638,721</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Fair value of unearned shares</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>1,040</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>930</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">During 2020 and 2019, 41,665 and 42,321 of ESOP shares were released for allocation to participants, respectively. The outstanding balance of unearned ESOP shares at December 31, 2020 and 2019 were $893 thousand and
        $959 thousand, respectively, which is shown as Unearned ESOP shares in the equity section of the consolidated statements of financial condition.</div>
      <div>&#160;</div>
      <div style="text-align: justify; font-weight: bold;">Note 13 &#8211; Income Taxes</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Company and its subsidiary are subject to U.S. federal and state income taxes. Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and
        liabilities. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and
        operating loss and tax credit carry forwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled.
        The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-24</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify;">Income tax (benefit) expense was as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="z56eca744eda14edbbec5081def19ccd5" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;"> 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Current</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Federal</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(59</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(66</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">State</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">144</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>5</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Deferred</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Federal</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>7</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(225</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">State</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(499</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(59</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Total</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>(407</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>(345</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">Effective tax rates differ from the federal statutory rate of 21% applied to income before income taxes due to the following:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="z2c352c8739c24260810b122e42fee56b" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;"> 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Federal statutory rate times financial statement net (loss) income</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(220</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(115</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Effect of:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">State taxes, net of federal benefit</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(7</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(45</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Earnings from bank owned life insurance</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(10</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(11</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Merger-related expense</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>200</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Low income housing credits</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(117</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(198</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Tax benefit from tax positions taken in prior years</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(273</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Other, net</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>20</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>24</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 27pt;">Total</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(407</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(345</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-align: justify;">Year&#8209;end deferred tax assets and liabilities were due to the following:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="z35c848463529475bbf34604660243c0d" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;"> 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Deferred tax assets:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Allowance for loan losses</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>909</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>897</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Accrued liabilities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>139</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>137</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">State income taxes</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>58</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>36</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Stock compensation</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>310</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>202</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Net operating loss carryforward</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>3,437</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>3,614</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Non&#8209;accrual loan interest</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Partnership investment</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>188</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>173</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">General business credit</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1,969</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1,859</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Alternative minimum tax credit</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>34</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>94</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Other</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>40</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>34</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 27pt;">Total deferred tax assets</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>7,085</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>7,047</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Deferred tax liabilities:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Section 481 Adjustments to bad debts</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(334</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(660</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Deferred loan fees/costs</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(651</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(797</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Basis difference on fixed assets</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(18</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(15</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Net unrealized appreciation on available&#8209;for&#8209;sale securities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(138</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(59</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">FHLB stock dividends</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(266</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(266</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Mortgage servicing rights</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(1</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(3</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Prepaid expenses</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(44</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(27</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
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            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 27pt;">Total deferred tax liabilities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>(1,452</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>(1,827</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Net deferred tax assets</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>5,633</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>5,220</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion, or all, of the deferred tax asset will not be realized. In assessing the
        realization of deferred tax assets, management evaluated both positive and negative evidence, the amount of taxes paid in available carry&#8209;back years, and the forecasts of future income and tax planning strategies. Based on this analysis, the
        Company determined that, as of December 31, 2020 and 2019, no valuation allowance was required on its deferred tax assets, which totaled $5.6 million and $5.2 million, respectively.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-25</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify;">On June 29, 2020, the Assembly Bill No. 85 (AB 85) was signed into law by California Governor Gavin Newsom to raise additional income tax revenue to assist in balancing the California budget caused by the COVID-19
        pandemic. The most significant provision of this bill is the suspension of the net operating loss (NOL) deduction for tax years beginning on or after January 1, 2020 and before January 1, 2023. The existing 20-year carry forward period for NOLs (10
        years for losses incurred in the tax years 2000 through 2007) would be extended for up to three years if losses are not used due to the NOL suspension. This means the Bank cannot take California NOL deductions for 2020-2022 if its California
        taxable income is more than $1 million. The life of the 2011 NOL will be extended for up to three years. This also means the Bank could have more cash tax liability for 2020-2022.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">As of December 31, 2020, the Company had federal net operating loss carryforwards of $5.4 million and California net operating loss carryforwards of $27.0 million, which begin expiring in 2032 through 2037 and 2032
        through 2037, respectively. The Company also has federal general business credits of $2.0 million, expiring beginning in 2030 through 2040.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Prior to 2018, the Company computed its bad debt deduction for income tax purposes under the reserve method. In 2018, the Company requested, and the IRS consented to a change in accounting method used for computing
        its tax bad debt deduction from the reserve method to the charge-off method as defined under Internal Revenue Code Section 166. As a result, the Company computes its tax bad debt deduction under the new method and recaptures its excess tax bad debt
        reserve of $4.3 million into taxable income evenly over a 4 year period starting in 2018.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="zdf7e0a65216c4c0588049fe767bae1df" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;"> 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Balance at beginning of year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>475</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>475</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Additions for tax positions of current year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Additions for tax positions of prior year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Reductions for tax positions of prior years</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;">
              <div>
                <div>(475</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: right;">&#8209;</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Balance at end of year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>-</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>475</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-align: justify;">At December 31, 2020 and 2019, the Company had zero and $475 thousand in unrecognized tax benefits, respectively. During the second quarter of 2020, the Company recognized an income tax benefit of $273 thousand as a
        result of a favorable settlement of uncertain tax positions with the California Franchise Tax Board (&#8220;FTB&#8221;). During 2020 and 2019, zero and $8 thousand were accrued during each period for potential interest related to these unrecognized tax
        benefits, respectively.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Federal tax years 2017 through 2020 remain open for the assessment of Federal income tax. California tax years 2016 through 2020 remain open for the assessment of California franchise tax. The Company was under
        examination by California FTB for the 2009, 2010, and 2011 tax years. On July 15, 2020, the examination closing agreement was executed by the Company and California FTB, which resulted in a favorable settlement. The Company recognized a tax benefit
        of $273 thousand in 2020.</div>
      <div>&#160;</div>
      <div style="text-align: justify; font-weight: bold;">Note 14 &#8211; Stock&#8209;Based Compensation</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Prior to July 25, 2018, the Company issued stock&#8209;based compensation awards to its directors and employees under the 2008 Long&#8209;Term Incentive Plan (&#8220;2008 LTIP&#8221;). The 2008 LTIP permitted the grant of non&#8209;qualified and
        incentive stock options, stock appreciation rights, full value awards and cash incentive awards for up to 2,000,000 shares of common stock. As of July 25, 2018, the Company ceased granting awards under the 2008 LTIP.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">On July 25, 2018, the stockholders approved the 2018 Long&#8209;Term Incentive Plan (&#8220;2018 LTIP&#8221;). As with the 2008 LTIP, the 2018 LTIP permits the grant of non&#8209;qualified and incentive stock options, stock appreciation
        rights, full value awards and cash incentive awards. The plan will be in effect for ten years. The maximum number of shares that can be awarded under the plan is 1,293,109 shares of common stock. As of December 31, 2020, 170,335 shares had been
        awarded and 663,842 shares are available under the 2018 LTIP.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">No stock options were granted during the years ended December 31, 2020 and December 31, 2019.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-26</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify;">The following table summarizes stock option activity during the years ended December 31, 2020 and 2019:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="zacfc523e80b44e4b9085d0561a3ebeef" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;"> 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Number</div>
                <div style="text-align: center; font-weight: bold;">Outstanding</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Weighted</div>
                <div style="text-align: center; font-weight: bold;">Average</div>
                <div style="text-align: center; font-weight: bold;">Exercise</div>
                <div style="text-align: center; font-weight: bold;">Price</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Number</div>
                <div style="text-align: center; font-weight: bold;">Outstanding</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Weighted</div>
                <div style="text-align: center; font-weight: bold;">Average</div>
                <div style="text-align: center; font-weight: bold;">Exercise</div>
                <div style="text-align: center; font-weight: bold;">Price</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Outstanding at beginning of year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>455,000</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>1.67</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>537,500</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>2.19</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Granted during the year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 42%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Exercised during the year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#8209;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Forfeited or expired during the year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>(5,000</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;">
              <div>6.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>(82,500</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;">
              <div>4.98</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Outstanding at end of year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>450,000</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>1.62</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>455,000</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>1.67</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Exercisable at end of year</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>360,000</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>1.62</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>275,000</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>1.70</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">For each year of 2020 and 2019, the Company recorded $39 thousand and $38 thousand, respectively, of stock&#8209;based compensation expense related to stock options. As of December 31, 2020, unrecognized compensation cost
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      <div>&#160;</div>
      <div style="text-align: justify;">Options outstanding and exercisable at year&#8209;end 2020 were as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z312daa05253641c785fda11e43eafc1b" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="11" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Outstanding</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="10" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Exercisable</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot; font-weight: bold;">Grant Date</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Number</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Outstanding</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Weighted</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Average</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Remaining</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Contractual</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Life</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Weighted</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Average</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Exercise</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Price</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Aggregate</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Intrinsic</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Value</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Number</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Outstanding</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Weighted</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Average</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Exercise</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Price</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Aggregate</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Intrinsic</div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Value</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">February 24, 2016</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">450,000</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="text-align: right; font-family: &#38;quot;">5.15 years</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">1.62</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">360,000</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">1.62</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 14%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
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                <div style="text-align: right;">5.15 years</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
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            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
              <div style="font-family: &#38;quot;">$</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px;">
              <div style="font-family: &#38;quot;">103,500</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
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                <div style="font-family: &#38;quot;">360,000</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
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                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
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                <div style="font-family: &#38;quot;">1.62</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px;">
              <div style="font-family: &#38;quot;">82,800</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>

      </table>
      <div style="text-align: justify;"><br>
      </div>
      <div style="text-align: justify;">In February 2020 and January 2019, the Company awarded 30,930 and 42,168 shares of common stock, respectively, to its directors under the 2018 LTIP, which are fully vested.&#160; The Company recorded $45 thousand and $52
        thousand of compensation expense for the years ended December 31, 2020 and December 31, 2019, respectively, based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the
        award.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">In February 2020 and 2019, the Company awarded 140,218 shares and 428,797 shares, of which $12,846 shares were forfeited, respectively, of restricted stock to its officers and employees under the 2018 LTIP.&#160; Each
        restricted stock award is valued based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award.&#160; These awarded shares of restricted stock are fully vested over a
        two-year period from their respective dates of grants. Stock based compensation expense is recognized on a straight-line basis over the vesting period.&#160; During 2020 and 2019, the Company recorded $340 thousand and $216 thousand of stock based
        compensation expense related to these awards, respectively. As of December 31, 2020, unrecognized compensation costs related to non-vested restricted stock awarded in February 2020 and 2019 were $110 thousand and $43 thousand, respectively.&#160; These
        unrecognized compensation costs related to non-vested restricted stock awarded in February 2020 and 2019 are expected to be recognized over a period of 14 months and 2 months, respectively.&#160; However, 140,218 shares scheduled to vest in February
        2022 will become fully vested upon the closing of the City First Merger, which is expected to occur on April 1, 2021.</div>
      <div>&#160;</div>
      <div style="text-align: justify; font-weight: bold;">Note 15 &#8211; Capital and Regulatory Matters</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Bank&#8217;s capital requirements are administered by the Office of the Comptroller of the Currency (&#8220;OCC&#8221;) and involve quantitative measures of assets, liabilities, and certain off&#8209;balance sheet items calculated under
        regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by the OCC. Failure to meet capital requirements can result in regulatory action.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The federal banking regulators approved final capital rules (&#8220;Basel III Capital Rules&#8221;) in July 2013 implementing the Basel III framework as well as certain provisions of the Dodd&#8209;Frank Act. The Basel III Capital
        Rules prescribe a standardized approach for calculating risk&#8209;weighted assets and revised the definition and calculation of Tier 1 capital and Total Capital, and include a new Common Equity Tier 1 capital (&#8220;CET1&#8221;) measure. Under the Basel III
        Capital Rules, the currently effective minimum capital ratios are:</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-27</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze1e857b597f44182aff91112a70fa951">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>4.5% CET1 to risk&#8209;weighted assets;</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za7ce6f4bca4f44a9b7fa4803f30b2d18">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>6.0% Tier 1 capital (that is, CET1 plus Additional Tier 1 capital) to risk&#8209;weighted assets;</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2f65df8321d54dc0aaed0e4ea214f605">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>8.0% Total capital (that is, Tier 1 capital plus Tier 2 capital) to risk&#8209;weighted assets; and</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z017bab30a8a14e66ab645066a2aeaa01">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>4.0% Tier 1 capital to average consolidated assets (known as the &#8220;leverage ratio&#8221;).</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">A capital conservation buffer was also established above the regulatory minimum capital requirements. This capital conservation buffer was phased in beginning January 1, 2016 at 0.625% of risk&#8209;weighted assets and
        increased each subsequent year by an additional 0.625% until it reached its final level of 2.5% on January 1, 2019.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Basel III Capital rules also contained revisions to the prompt corrective action framework, which are designed to place restrictions on insured depository institutions if their capital levels begin to show signs
        of weakness. Under the prompt corrective action requirements, which are designed to complement the capital conservation buffer, insured depository institutions are now required to meet the following increased capital level requirements in order to
        qualify as &#8220;well capitalized&#8221;: (i) a CET1 capital ratio of 6.5%; (ii) a Tier 1 capital ratio of 8% (increased from 6%); (iii) a total capital ratio of 10% (unchanged from previous rules); and (iv) a Tier 1 leverage ratio of 5% (unchanged from
        previous rules).</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The Basel III Capital Rules became effective for the Bank on January 1, 2015. At December 31, 2020 and 2019, the Bank&#8217;s level of capital exceeded all regulatory capital requirements and its regulatory capital ratios
        were above the minimum levels required to be considered well capitalized for regulatory purposes. Actual and required capital amounts and ratios as of the periods indicated are presented below.</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" id="zb1e256aec3a2404590b219ddfc8e75cb" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Actual</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">Minimum Capital</div>
                <div style="text-align: center; font-weight: bold;">Requirements</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">Minimum Required</div>
                <div style="text-align: center; font-weight: bold;">To Be Well</div>
                <div style="text-align: center; font-weight: bold;">Capitalized Under</div>
                <div style="text-align: center; font-weight: bold;">Prompt Corrective</div>
                <div style="text-align: center; font-weight: bold;">Action Provisions</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Ratio</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Ratio</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Amount</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">Ratio</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="22" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(Dollars in thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">December 31, 2020:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Tier 1 (Leverage)</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">46,565</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">9.54</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">19,530</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">4.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">24,413</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">5.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Common Equity Tier 1</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">46,565</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">18.95</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">11,059</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">4.50</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">15,975</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">6.50</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Tier 1</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">46,565</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">18.95</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">14,746</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">6.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">19,661</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">8.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Total Capital</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">49,802</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">20.20</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">19,661</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">8.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">24,577</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">10.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">December 31, 2019:</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Tier 1 (Leverage)</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">48,541</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">11.56</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">16,798</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">4.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">20,997</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">5.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Common Equity Tier 1</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">48,541</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">17.14</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">12,743</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">4.50</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">18,406</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">6.50</div>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Tier 1</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">48,541</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">17.14</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">16,990</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">6.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">22,654</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">8.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Total Capital</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">51,790</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">18.29</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">22,654</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">8.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">28,318</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">10.00</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">%</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify; font-weight: bold;">Note 16 &#8211; Loan Commitments and Other Related Activities</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the
        credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off&#8209;balance&#8209;sheet risk for credit loss exists up to the face amount of these instruments,
        although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The contractual amounts of financial instruments with off&#8209;balance&#8209;sheet risk at year&#8209;end were as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="z81f6817604a1416ba14dbf1ac0898a21" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;"> 2020</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2019</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Commitments to make loans</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">5,930</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Unused lines of credit &#8211; variable rates</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">2,472</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">1,970</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">Commitments to make loans are generally made for periods of 60 days or less. At December 31, 2020, the Bank did not have any commitment outstanding to originate multi-family residential loans.&#160; At December 31, 2019,
        loan commitments consisted of two multi&#8209;family residential loans with initial five-year interest rates ranging from 3.50% to 3.75%.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-28</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify; font-weight: bold;">Note 17 &#8211; Parent Company Only Condensed Financial Information</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Condensed financial information of Broadway Financial Corporation follows:</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">Condensed Balance Sheet</div>
      <div style="text-align: center; font-weight: bold;">December 31,</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" id="zf6da0bd2aae34ceba441db2c017a3344" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;"> 2020</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2019</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Assets</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Cash and cash equivalents</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">126</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">134</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Investment in bank subsidiary</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">49,418</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">50,594</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Other assets</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">2,735</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">2,512</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Total assets</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">52,279</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>
                <div style="font-family: &#38;quot;">53,240</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Liabilities and stockholders&#8217; equity</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Junior subordinated debentures</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">3,315</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">4,335</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Accrued expenses and other liabilities</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">79</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">57</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Stockholders&#8217; equity</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>
                <div style="font-family: &#38;quot;">48,885</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>
                <div style="font-family: &#38;quot;">48,848</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Total liabilities and stockholders&#8217; equity</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">52,279</div>
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            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">53,240</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">Condensed Statements of Income</div>
      <div style="text-align: center; font-weight: bold;">Years ended December 31,</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" id="zb19236dc50564704846e614cffb784de" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;"> 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Interest income</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>23</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>23</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Interest expense</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(133</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(247</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Other expense</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(1,033</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(720</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Loss before income tax and undistributed subsidiary income</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(1,143</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(944</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Income tax benefits</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>291</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>279</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Equity in undistributed subsidiary income</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>210</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>459</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Net loss</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(642</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(206</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-29</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: center; font-weight: bold;">Condensed Statements of Cash Flows</div>
      <div style="text-align: center; font-weight: bold;">Years ended December 31,</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z9b5d2950548a4bf7a4a9254c043d366d" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;"> 2020</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: #000000 solid 2px;">
              <div>
                <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">2019</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-family: &#38;quot; font-weight: bold;">(In thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Cash flows from operating activities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Net loss</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">(642</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">(206</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Adjustments to reconcile net loss to net cash used in operating activities:</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Equity in undistributed subsidiary income</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">(210</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">(459</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 18pt;">Change in other assets</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">(223</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">(287</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 18pt;">Change in accrued expenses and other liabilities</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">21</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">(9</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Net cash used in operating activities</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>
                <div style="font-family: &#38;quot;">(1,054</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div style="font-family: &#38;quot;">)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>
                <div style="font-family: &#38;quot;">(961</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div style="font-family: &#38;quot;">)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Cash flows from investing activities</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Dividends from bank subsidiary</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>
                <div style="font-family: &#38;quot;">2,000</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>
                <div style="font-family: &#38;quot;">1,650</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Net cash provided by investing activities</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">2,000</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">1,650</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Cash flows from financing activities</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Common stock repurchased for tax withholdings</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">(14</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Repayments of borrowings</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">(1,020</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="font-family: &#38;quot;">(765</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Proceeds from repayment of ESOP loan</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">66</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">68</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Net cash used in financing activities</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>
                <div style="font-family: &#38;quot;">(954</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div style="font-family: &#38;quot;">)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>
                <div style="font-family: &#38;quot;">(711</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">
              <div>
                <div style="font-family: &#38;quot;">)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Net change in cash and cash equivalents</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">(8</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">(22</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="font-family: &#38;quot;">)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Beginning cash and cash equivalents</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>
                <div style="font-family: &#38;quot;">134</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>
                <div style="font-family: &#38;quot;">156</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &#38;quot;">Ending cash and cash equivalents</div>
            </td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">126</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>
                <div style="font-family: &#38;quot;">134</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify; font-weight: bold;">Note 18 &#8211; Loss Per Common Share</div>
      <div>&#160;</div>
      <div style="text-align: justify;">The factors used in the earnings per common share computation follow:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="zc0bbe528c57c4b6d8edcb4eaa3698ef5" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;"> 2020</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-weight: bold;">2019</div>
                <div> </div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 66%; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="6" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(Dollars in thousands,</div>
              <div style="text-align: center; font-weight: bold;">except share and per share)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Net loss</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(642</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
              <div>(206</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
              <div>)</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Less net income attributable to participating securities</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>-</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div>-</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Loss available to common stockholders</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(642</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(206</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Weighted average common shares outstanding for basic earnings per common share</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>27,163,427</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>26,833,693</div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Add: dilutive effects of unvested restricted stock awards</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>-</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>-</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Weighted average common shares outstanding for diluted earnings per common share</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>27,163,427</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>26,833,693</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Loss per common share &#8211; basic</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(0.02</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>
                <div>(0.01</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">Loss per common share &#8211; diluted</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>(0.02</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
              <div>
                <div>)</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>$</div>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>
                <div>(0.01</div>
              </div>
            </td>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">
              <div>
                <div>)</div>
              </div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify;">Stock options for 360,000 shares and 275,000 shares of common stock for the years ended December 31, 2020 and 2019, respectively, were not considered in computing diluted earnings per common share because they were
        anti&#8209;dilutive.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Basic loss per share of common stock is computed pursuant to the two-class method by dividing net loss available to common stockholders less dividends paid on participating securities (unvested shares of restricted
        common stock) and any undistributed loss attributable to participating securities by the weighted average common shares outstanding during the period.&#160; The weighted average common shares outstanding includes the weighted average number of shares of
        common stock outstanding less the weighted average number of unvested shares of restricted common stock.&#160; ESOP shares are considered outstanding for this calculation unless unearned.&#160; Diluted net loss per share of common stock includes the dilutive
        effect of unvested stock awards and additional potential common shares issuable under stock options.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-size: 8pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">F-30</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        <div style="width: 100%;" id="DSPFPageHeader"><a href="#TABLEOFCONTENTS"><font style="font-style: italic;"> Table of Contents</font></a></div>
      </div>
      <div style="text-align: justify; font-weight: bold;">Note 19 &#8211; Subsequent Events</div>
      <div>&#160;</div>
      <div style="text-align: justify;">On March 17, 2021, the Company&#8217;s stockholders approved the proposed sale of 18,474,000 shares of Broadway common stock in private placements to institutional and accredited investors at a purchase price of $1.78 per
        share for an aggregate purchase price of $32.9 million. The Company currently has subscription agreements for all of these shares. The private placements of common stock are expected to close a few days after the merger.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Section 382 of the Internal Revenue Code limits the utilization of U.S. net operating loss (&#8220;NOL&#8221;) carryforwards following an ownership change, which occurs when one or more 5% shareholders increase their ownership,
        in aggregate, by more than 50% over the lowest percentage of stock owned by such shareholders at any time during the testing period, which is generally three years. Upon the completion of the private placements, there could be a triggering event
        which may result in a change of control. Based on management&#8217;s preliminary estimates, there could be limitations on our deferred tax assets that may require an impairment allowance of approximately $2.4 million.</div>
      <div>&#160;</div>
      <div style="text-align: justify;">Subsequent events have been evaluated through March 31, 2021, which is the date these financial statements were issued.</div>
      <div>&#160;</div>
      <div> <br>
      </div>
      <div>
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">F-31</font></div>
      </div>
      <div style="text-align: center;"> </div>
      <div>
        <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"> </div>
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<DOCUMENT>
<TYPE>EX-4.1
<SEQUENCE>2
<FILENAME>brhc10022486_ex4-1.htm
<DESCRIPTION>EXHIBIT 4.1
<TEXT>
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      <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="text-align: right; font-weight: bold;">Exhibit 4.1</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;">DESCRIPTION OF THE REGISTRANT&#8217;S SECURITIES</div>
    <div style="text-align: center; font-weight: bold;">REGISTERED PURSUANT TO SECTION 12 OF THE</div>
    <div style="text-align: center; font-weight: bold;">SECURITIES EXCHANGE ACT OF 1934</div>
    <div>&#160;</div>
    <div style="text-align: justify;">As of December 31, 2020, Broadway Financial Corporation (the &#8220;Company&#8221;, &#8220;we&#8221;, &#8220;our&#8221; or &#8220;us&#8221;) had two classes of securities registered under Section 12 of the Securities
      Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;): (1) shares of our common stock, par value $0.01 per share ( &#8220;Common Stock&#8221;), and (2) the preferred stock purchase rights described below with respect to Series B Junior Participating Preferred
      Stock that might be issued by us upon the occurrence of certain events.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;">Common Stock</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We are authorized under our certificate of incorporation to issue an aggregate of 50,000,000 shares of Common Stock, par value $0.01 per share and 25,000,000 shares of
      non-voting common stock, par value $0.01 per share (&#8220;Non-Voting Common Stock&#8221;).&#160;&#160; As of December 31, 2019, we had issued and outstanding 19,111,423 shares of Common Stock and 8,756,396 shares of Non-voting Common Stock. The shares of Non-Voting
      Common Stock have all the attributes and rights of our Common Stock, other than with respect to voting rights, and convert to shares of Common Stock having voting rights in the event of transfer from the holders to whom the shares of Non-Voting
      Common Stock were originally issued.&#160; The Non-Voting Common Stock is not registered under the Exchange Act.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following is a summary of the material terms of our common stock.&#160; The rights of holders of our Common Stock and our Non-Voting Common Stock, are subject to, and may
      be adversely affected by, the rights of the holders of shares of any series of our preferred stock which we may designate and issue in the future. This description does not purport to be complete and is qualified in its entirety by reference to our
      certificate of incorporation and amended and restated bylaws, which are filed as exhibits to the registration statement of which this prospectus forms a part.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Dividend Rights</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Subject to the rights of holders of preferred stock of any series that may be issued and outstanding from time to time, holders of our common stock are entitled to
      receive such dividends and other distributions in cash, securities or other assets as may be declared by our board of directors from time to time out of our funds or assets that are legally available for dividends and other distributions, and are
      entitled to share equally on a per share basis in all such dividends and other distributions.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Voting Rights</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Each outstanding share of our Common Stock is entitled to one vote on all matters submitted to a vote of stockholders generally.&#160; In the event we issue one or more
      series of preferred or other securities in the future such preferred stock or other securities may be given rights to vote, either together with the Common Stock or as a separate class on one or more types of matters.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Liquidation Rights</div>
    <div>&#160;</div>
    <div style="text-align: justify;">In the event of any liquidation, dissolution or winding up of the Company, the holders of our common stock will be entitled, subject to the prior rights of any
      outstanding series of our preferred stock, to share in our net assets, if any, that are available after the payment of all of our debts and other liabilities.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Preemptive Rights</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The holders of our common stock have no preemptive rights in their capacities as such holders.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Board of Directors</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Holders of Common Stock do not have cumulative voting rights with respect to the election of directors.&#160; At any meeting to elect directors by holders of our Common
      Stock, the presence, in person or by proxy, of the holders of a majority of the voting power of shares of our Common Stock then outstanding will constitute a quorum for such election.&#160; Directors may be elected by a plurality of the votes of the
      shares present and entitled to vote on the election of directors, except for directors whom the holders of any then outstanding preferred stock have the right to elect, if any.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    <div style="font-weight: bold;">Certain Anti-Takeover Effects of Our Certificate of Incorporation, Bylaws and Applicable Law</div>
    <div>&#160;</div>
    <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Provisions of Delaware Law</font>. We are a Delaware corporation
      and Section 203 of the Delaware General Corporate Law (&#8220;DGCL&#8221;) applies to us.&#160; It is an anti-takeover statute that is designed to protect stockholders against coercive, unfair or inadequate tender offers and other abusive tactics and to encourage any
      person contemplating a business combination with us to negotiate with our board of directors for the fair and equitable treatment of all stockholders.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Under Section 203 of the DGCL, a Delaware corporation is not permitted to engage in a &#8220;business combination&#8221; with an &#8220;interested stockholder&#8221; for a period of three years
      following the date that the stockholder became an interested stockholder.&#160; As defined for this purpose, the term &#8220;business combination&#8221; includes a merger, consolidation, asset sale or other transaction resulting in a financial benefit to the
      interested stockholder.&#160; The term &#8220;interested stockholder&#8221; is defined to mean a person who, together with affiliates and associates, owns, or within three years did own, 15% or more of the corporation&#8217;s outstanding voting stock.&#160; This prohibition
      does not apply if:</div>
    <div>&#160;</div>
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        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>prior to the time that the stockholder became an interested stockholder, the board of directors of the corporation approved either the business combination or the transaction
              resulting in the stockholder becoming an interested stockholder;</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z2d04221b8ed64aa5b3901aac4f5fc372" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>upon completion of the transaction resulting in the stockholder becoming an interested stockholder, the stockholder owns at least 85% of the outstanding voting stock of the
              corporation, excluding voting stock owned by directors who are also officers and by certain employee stock plans; or</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z7d88fe94c00f4e43a9b7e2978bf1b1c3" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>at or subsequent to the time that the stockholder became an interested stockholder, the business combination is approved by the board and authorized at an annual or special meeting
              of stockholders, and not by written consent, by the affirmative vote of at least two-thirds of the outstanding voting stock that the interested stockholder does not own.</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify;">A Delaware corporation may elect not to be governed by these restrictions. We have not made such election.</div>
    <div>&#160;</div>
    <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Classified Board of Directors; Removal of Directors for Cause</font>.
      Our certificate of incorporation and bylaws provide for our board of directors to be divided into three classes, as nearly equal in number as possible, serving staggered terms.&#160; Approximately one-third of our board will be elected each year.&#160; At each
      annual meeting of stockholders, directors elected to succeed those directors whose terms expire will be elected for a three-year term of office.&#160; All directors elected to our classified board of directors will serve until the election and
      qualification of their respective successors or their earlier resignation or removal.&#160; The board of directors is authorized to create new directorships and to fill such positions so created and is permitted to specify the class to which any such new
      position is assigned.&#160; The person filling such position would serve for the term applicable to that class.&#160; The board of directors (or its remaining members, even if less than a quorum) is also empowered to fill vacancies on the board of directors
      occurring for any reason for the remainder of the term of the class of directors in which the vacancy occurred.&#160; Members of the board of directors may only be removed for cause by the affirmative vote, taken at a stockholders meeting, of a majority
      of our outstanding voting stock.&#160; Cause is defined for this purpose to mean conviction of a felony, or gross negligence or misconduct in the performance of a director&#8217;s duty to the Company as determined by a court of competent jurisdiction, which
      adjudication is no longer subject to direct appeal.&#160; These provisions are likely to increase the time required for stockholders to change the composition of the board of directors.&#160; For example, in general, at least two annual meetings will be
      necessary for stockholders to effect a change in a majority of the members of the board of directors.&#160; The provision for a classified board could prevent a party who acquires control of a majority of our outstanding Common Stock from obtaining
      control of our board of directors until our second annual stockholders meeting following the date the acquirer obtains the controlling stock interest.&#160; The classified board provision could have the effect of discouraging a potential acquirer from
      making a tender offer or otherwise attempting to obtain control of us and could increase the likelihood that incumbent directors will retain their positions.</div>
    <div>&#160;</div>
    <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Advance Notice Procedures</font>. Our bylaws establish an advance
      notice procedure for stockholder nominations of persons for election to our board of directors and for any proposals to be presented by stockholders at an annual meeting.&#160; Stockholders at an annual meeting will only be able to consider nominations
      and other proposals specified in the notice of meeting or brought before the meeting by or at the direction of our board of directors or by a stockholder who was a stockholder of record on the record date for the meeting, who is entitled to vote at
      the meeting and who has given our corporate secretary timely written notice, in proper form, of the stockholder&#8217;s intention to nominate a person for election as a director or to bring a proposal for action at the meeting.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Unanimity Required For Stockholder Action Without Meeting</font>.&#160;
      Our certificate of incorporation provides that stockholder actions may be taken without a meeting only by written consent signed by all stockholders.</div>
    <div>&#160;</div>
    <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Supermajority Stockholder Vote Required for Certain Actions</font>.&#160;
      The Delaware General Corporation Law provides generally that the affirmative vote of a majority of the shares entitled to vote on any matter is required to amend a corporation&#8217;s certificate of incorporation or bylaws, unless the corporation&#8217;s
      certificate of incorporation or bylaws, as the case may be, requires a greater percentage.&#160; Our certificate of incorporation requires the affirmative vote of the holders of at least 66-2/3% of our outstanding voting stock to amend or repeal certain
      provisions of the certificate of incorporation.&#160; This &#8220;super-majority&#8221; stockholder vote would be in addition to any separate class vote that might be required pursuant to the terms of any preferred stock that might then be outstanding.&#160; In addition,
      our amended and restated bylaws may only be amended by the directors then in office.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The affirmative vote of the holders of two-thirds of our outstanding voting stock is also required by our certificate of incorporation, in addition to any other approval
      that may be required by law, for approval of a business combination with or upon a proposal by an interested stockholder, unless the business combination (1) has been approved by a majority of disinterested directors, or (2) will occur at least three
      years after the proposing stockholder became an interested stockholder and certain criteria relating to the price to be paid in the business combination are satisfied, or (3) is solely with one of our subsidiaries and certain criteria are satisfied.&#160;
      For purposes of the foregoing provisions, the term &#8220;interested stockholder&#8221; is defined as a direct or indirect beneficial owner of more than 10% of our outstanding voting stock.</div>
    <div>&#160;</div>
    <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Effects of Authorized but Unissued Shares</font>. We have shares of
      Common Stock and &#8220;blank check&#8221; preferred stock available for future issuance and our Board may establish the terms of separate series of such preferred stock, without stockholder approval, subject to the limitations imposed by the listing standards
      of the NASDAQ Capital Market or any securities market or exchange on which our securities may be listed or traded.&#160; These additional shares may be utilized for a variety of corporate purposes, including future private sales or public offerings to
      raise additional capital, acquisitions of other companies and grants of stock options or other stock-based compensation awards pursuant to employee incentive compensation plans.&#160; The existence of authorized but unissued shares of Common Stock and
      &#8220;blank check&#8221; preferred stock could render more difficult or discourage an attempt to obtain control of a majority of our Common Stock by means of a proxy contest, tender offer, merger, or otherwise.</div>
    <div>&#160;</div>
    <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Regulatory Requirements</font>.&#160; The Change in Bank Control Act
      prohibits a person or group of persons acting in concert from acquiring control of a savings and loan holding company unless the Federal Reserve Board has been given 60 days prior written notice of such proposed acquisition and within that time
      period the Federal Reserve Board has not issued a notice disapproving the proposed acquisition or extending for up to another 30 days the period during which such a disapproval may be issued.&#160; The term &#8220;control&#8221; is defined for this purpose to include
      ownership or control of, or holding with power to vote, 25% or more of any class of a savings and loan holding company&#8217;s voting securities.&#160; Under a rebuttable presumption contained in the regulations of the Federal Reserve Board, ownership or
      control of, or holding with power to vote, 10% or more of any class of voting securities of a savings and loan holding company having a class of securities registered under Section 12 of the Exchange Act would also be deemed to constitute the
      acquisition of control.&#160; In addition, any company would be required to obtain the approval of the Federal Reserve Board under the Home Owners&#8217; Loan Act before acquiring control of a savings and loan holding company.&#160; For this purpose, a company is
      deemed to have control of a savings and loan holding company if the company owns, controls, holds with power to vote, or holds proxies representing, 25% or more of any class of voting shares of the savings and loan holding company or controls in any
      manner the election of a majority of the holding company&#8217;s directors, and may also be deemed to acquire control of a savings and loan holding company based on a consideration of all relevant facts by the Federal Reserve Board.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Transfer Agent and Registrar</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Computershare Investor Services is the transfer agent and registrar for our Common Stock.&#160; The transfer agent and registrar&#8217;s address is 250 Royall Street, Canton, MA
      02021.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Listing of our Common Stock</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our Common Stock is listed on the NASDAQ Capital Market under the symbol &#8220;BYFC.&#8221;</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: center; font-weight: bold;">Rights to Purchase Series B Junior Participating Preferred Stock</div>
    <div>&#160;</div>
    <div style="text-align: justify;">On September 10, 2019, our board of directors declared a dividend of one preferred share purchase right (each a &#8220;Right&#8221;) for each share of Common Stock and Non-Voting
      Common Stock outstanding on September 23, 2019 to the stockholders of record as of the close of business on that date.&#160; In connection with the distribution of the Rights, the Company entered into a Rights Agreement (the &#8220;Rights Agreement&#8221;), dated as
      of September 10, 2019, between the Company and Computershare Trust Company, N.A., as rights agent.&#160;&#160; The Rights are attached to and will not be transferrable separately from the shares of Common Stock and Non-Voting Common Stock in respect of which
      the Rights were issued except upon the occurrence of certain events specified in the Rights Agreement.&#160; The Rights are registered under the Exchange Act.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Each Right entitles the registered holder thereof, upon the occurrence of certain events, to purchase from the Company one one-thousandth of a share of Series B Junior
      Participating Preferred Stock, par value $0.01 per share, of the Company (the &#8220;Series B Preferred Shares&#8221;) at a price of $3.60 per each one-thousandth of a Preferred Share represented by a Right, subject to adjustment in certain events as provided in
      the Rights Agreement.&#160; No shares of Series B Preferred Shares are outstanding, and the Series B Preferred Shares are not registered under the Exchange Act at this time.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Rights are in all respects subject to and governed by the provisions of the Rights Agreement, which is incorporated herein by reference to Exhibit 4.1 to the
      Company&#8217;s Current Report on Form 8-K filed on September 11, 2019.&#160; A description of the Rights is incorporated herein by reference to the description thereof set forth under Items 1.01 and 5.03 of the Company&#8217;s Current Report on Form 8-K filed on
      September 11, 2019, which description is qualified in its entirety by reference to the full text of the Rights Agreement.</div>
    <div>&#160;<br>
      <br>
    </div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
    <div>
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<DOCUMENT>
<TYPE>EX-10.14
<SEQUENCE>3
<FILENAME>brhc10022486_ex10-14.htm
<DESCRIPTION>EXHIBIT 10.14
<TEXT>
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    <div>
      <div style="text-align: right; font-weight: bold;"> Exhibit 10.14<br>
         </div>
      <div style="text-align: right; font-weight: bold;"> <br>
         </div>
      <div style="text-align: center; font-weight: bold;">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z882f63e9f49849ed95e635f8cb4116bd">

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              <td style="width: 50%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div><img width="272" height="95" src="image0.jpg"></div>
              </td>
              <td style="width: 50%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; font-weight: bold;">PLAN DOCUMENT</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: center; font-weight: bold;"> <br>
         </div>
      <div style="text-align: center; font-weight: bold;">INCENTIVE COMPENSATION PLAN</div>
      <div style="text-align: center; font-weight: bold;"> <br>
         </div>
      <div style="text-align: justify; font-weight: bold;">PURPOSE</div>
      <div><br>
         </div>
      <div style="text-align: justify;">The purpose of the Incentive Compensation Plan (&#8220;Plan&#8221;) is to provide a financial incentive to key exempt employees to improve Broadway Federal Bank&#8217;s (Bank) financial performance consistent with
        safe and sound policies and practices.&#160; Incentives are based on the achievement of board approved annual objectives consistent with the Bank&#8217;s long-term goals.</div>
      <div><br>
         </div>
      <div style="text-align: justify; font-weight: bold;">ELIGIBLITY</div>
      <div><br>
         </div>
      <div style="text-align: justify;">Exempt employees of the Bank are eligible to participate in the Plan.&#160; Target award percentages are based on position and scope of responsibility.&#160; Positions at the non-exempt level do not have
        target awards.&#160; Rather, they are eligible for one-time exceptional performance awards that can be granted at the end of the year or at the conclusion of a project.</div>
      <div><br>
         </div>
      <div style="text-align: justify;">A minimum of three months continuous service with the Bank is necessary in order to be eligible for an award under the Plan.</div>
      <div><br>
         </div>
      <div style="text-align: justify; font-weight: bold;">PLAN ADMINISTRATION</div>
      <div><br>
         </div>
      <div style="text-align: justify;">The Compensation Committee of the Board of Directors (&#8220;Committee&#8221;) administers the Plan, which approves: (1) plan participants, (2) bonus award levels, (3) Bank and individual objectives and target
        performance levels.&#160; The Committee also approves final incentive payout awards for the Senior Executive Officers (SEOs).&#160; The CEO of the Bank is delegated the responsibility for the day-to day administration of the Plan, the objectives and the
        awards for eligible employees.</div>
      <div><br>
         </div>
      <div style="text-align: justify; font-weight: bold;">PERFORMANCE OBJECTIVES</div>
      <div style="text-align: justify;"> <br>
         </div>
      <div style="text-align: justify;">Awards under the Plan are based on achievement of annual Bank objectives and individual objectives.&#160; The weighting of Bank objectives and individual objectives for eligible positions is as follows:</div>
      <div><br>
         </div>
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          <tr>
            <td colspan="1" style="width: 1%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td colspan="2" style="vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-weight: bold;">Bonus Opportunity for:</div>
            </td>
            <td style="width: 24%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">Bank Objectives</div>
            </td>
            <td style="width: 24%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">Individual Objectives</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>Category 1</div>
            </td>
            <td style="width: 37%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>&#8226;&#160;&#160;&#160;&#160; CEO</div>
            </td>
            <td style="width: 24%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">100%</div>
            </td>
            <td style="width: 24%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; margin-right: 30.6pt;">0%</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 14%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Category 2</div>
            </td>
            <td style="width: 37%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div>&#8226;&#160;&#160;&#160;&#160;&#160; EVP/ CFO</div>
              <div>&#8226;&#160;&#160;&#160;&#160;&#160; EVP/ CLO</div>
              <div>&#8226;&#160;&#160;&#160;&#160;&#160; EVP/ CRBO</div>
            </td>
            <td style="width: 24%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">80%</div>
            </td>
            <td style="width: 24%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center; margin-right: 30.6pt;">20%</div>
            </td>
          </tr>

      </table>
      <div> <br>
         </div>
      <div> </div>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="width: 100%;" id="DSPFPageFooter">
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                <div style="padding-top: 1pt;">
                  <div style="text-align: left; font-size: 8pt;">Approved by Board 02-2020</div>
                </div>
              </td>
            </tr>

        </table>
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        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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              <div><img width="272" height="95" src="image0.jpg"></div>
            </td>
            <td style="width: 50%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-weight: bold;">PLAN DOCUMENT</div>
              <div>&#160;</div>
            </td>
          </tr>

      </table>
      <div><br>
         </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z15a310f2a5ae42959aefd253151304d3">

          <tr>
            <td colspan="1" style="width: 1%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td colspan="2" style="vertical-align: middle; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-indent: -18pt; margin-left: 18pt; font-weight: bold;">Bonus Opportunity for:</div>
            </td>
            <td style="width: 24%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">Bank</div>
              <div style="text-align: center; font-weight: bold;">Objectives</div>
            </td>
            <td style="width: 24%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">Individual </div>
              <div style="text-align: center; font-weight: bold;">Objectives</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>Category 3</div>
            </td>
            <td style="width: 37%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-indent: -9pt; margin-left: 9pt;">&#8226;&#160;&#160;&#160;&#160;&#160; FVP/ Chief Auditor</div>
              <div style="text-indent: -36pt; margin-left: 54pt;"> FVP/ Controller</div>
            </td>
            <td style="width: 24%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">70%</div>
            </td>
            <td style="width: 24%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">30%</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 14%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Category 4</div>
            </td>
            <td style="width: 37%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-indent: -18pt; margin-left: 18pt;">&#8226;&#160;&#160;&#160;&#160;&#160; VP/ Chief Credit Officer</div>
              <div style="text-indent: -18pt; margin-left: 18pt;">&#8226;&#160;&#160;&#160;&#160;&#160; VP/Internal Asset Review</div>
              <div style="text-indent: -36pt; margin-left: 54pt;"> Manager</div>
              <div style="text-indent: -18pt; margin-left: 18pt;">&#8226;&#160;&#160;&#160;&#160;&#160; VP/Retail Deposits Operations</div>
              <div style="text-indent: -18pt; margin-left: 36pt;"> Manager</div>
              <div style="text-indent: -18pt; margin-left: 18pt;">&#8226;&#160;&#160;&#160;&#160;&#160; VP/Administration &amp;</div>
              <div style="text-indent: -18pt; margin-left: 36pt;"> Community Development</div>
              <div style="text-indent: -18pt; margin-left: 36pt;"> Manager</div>
              <div style="text-indent: -18pt; margin-left: 18pt;">&#8226;&#160;&#160;&#160;&#160;&#160; VP/Loan Service Manager</div>
            </td>
            <td style="width: 24%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">50%</div>
            </td>
            <td style="width: 24%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">50%</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>Category 5</div>
            </td>
            <td style="width: 37%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-indent: -18pt; margin-left: 18pt;">&#8226;&#160;&#160;&#160;&#160;&#160; AVP/Human Resources</div>
              <div style="text-indent: -18pt; margin-left: 36pt;"> Manager</div>
              <div style="text-indent: -18pt; margin-left: 18pt;">&#8226;&#160;&#160;&#160;&#160;&#160; AVP/BSA Manager</div>
              <div style="text-indent: -18pt; margin-left: 18pt;">&#8226;&#160;&#160;&#160;&#160;&#160; AVP/Information Technology</div>
              <div style="text-indent: -18pt; margin-left: 36pt;"> Manager</div>
            </td>
            <td style="width: 24%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">20%</div>
            </td>
            <td style="width: 24%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">80%</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 14%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 37%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">&#160;</td>
            <td style="width: 24%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); text-align: center;">&#160;</td>
            <td style="width: 24%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); text-align: center;">&#160;</td>
          </tr>

      </table>
      <div><br>
         </div>
      <div style="text-align: justify;">Bank objectives are specified in advance of the Plan year by the CEO and approved by the Compensation Committee and the Board.&#160; For purposes of calculating performance against the objectives for any
        year, profit (Net Earnings) is after-tax net income, as shown in Broadway Financial Corporation&#8217;s (Company) Consolidated Statement of Income for such year, including an amount equal to the after-tax charges for awards under this Plan for such year.</div>
      <div><br>
         </div>
      <div style="text-align: justify;">Individual objectives are established for each participating employee, depending on annual goals for the individual&#8217;s position, and typically include profit performance, regulatory compliance, cost
        performance targets, as well as other performance indicators related to the position (e.g. employee development, teamwork and quality).</div>
      <div><br>
         </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="width: 100%;" id="DSPFPageFooter">
          <table cellspacing="0" cellpadding="0" border="0" id="z1190df3dfa5c479f919c79db158705b3" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;">

              <tr>
                <td style="width: 100%; border-top: 2px solid rgb(0, 0, 0);">
                  <div style="padding-top: 1pt;">
                    <div style="text-align: left; font-size: 8pt;">Approved by Board 02-2020</div>
                  </div>
                </td>
              </tr>

          </table>
        </div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" border="0" id="z65d64d9ccc814aadb7011395c03a0539" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="width: 50%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div><img width="272" height="95" src="image0.jpg"></div>
              </td>
              <td style="width: 50%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-weight: bold;">PLAN DOCUMENT</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
         </div>
      <div style="text-align: justify; font-weight: bold;">THRESHOLDS</div>
      <div><br>
         </div>
      <div style="text-align: justify;">Thresholds establish minimum performance to activate the Plan.&#160; The minimum financial threshold for activation of the Plan is 80% of the Board approved Consolidated Net Earnings (Net Earnings) for
        the Plan year.&#160; Target is 100% of Board approved Net Earnings and Maximum (cap) is 120% of Board approved Net Earnings.</div>
      <div><br>
         </div>
      <div style="text-align: justify;">The minimum regulatory threshold for activation of the Plan is to maintain a &#8220;safety and soundness&#8221; examination rating of &#8220;3&#8221; or better and the maintenance of an asset quality rating of &#8220;3&#8221; or
        better.</div>
      <div><br>
         </div>
      <div style="text-align: justify; font-weight: bold;">FINAL AWARDS</div>
      <div><br>
         </div>
      <div style="text-align: justify;">Final awards are paid in cash following the end of the Plan year.&#160; Individual employee awards are calculated against the achievement of Bank and Individual objectives as shown below (as % of base
        salary).</div>
      <div><br>
         </div>
      <div style="text-align: justify;">The current Bonus Opportunity schedule, which shall be updated and approved by the Compensation Committee on an annual basis, follows</div>
      <div><br>
         </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z0ceaf66cfa6744d9bc0b253de3557ec6">

          <tr>
            <td colspan="1" style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td colspan="2" style="vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-weight: bold;">Bonus Opportunity for:</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">Minimum</div>
              <div style="text-align: center;">(80% of net </div>
              <div style="text-align: center;">earnings)</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">Target</div>
              <div style="text-align: center;">(100% of net</div>
              <div style="text-align: center;"> earnings)</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">Maximum</div>
              <div style="text-align: center;">(120% of net </div>
              <div style="text-align: center;">earnings)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 14%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">Category 1</div>
            </td>
            <td style="width: 37%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>CEO</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">25%</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">40%</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">65%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td style="width: 14%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">Category 2</div>
            </td>
            <td style="width: 37%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div>EVP/ CFO</div>
              <div>EVP/ CLO</div>
              <div>EVP/ CRBO</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">20%</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">35%</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">50%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 14%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">Category 3</div>
            </td>
            <td style="width: 37%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>FVP/Chief Auditor,</div>
              <div>FVP/Controller</div>
              <div>FVP/Loan Service Manager</div>
              <div>VP/Corporate</div>
              <div> Secretary/General Counsel</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">15%</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">25%</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">40%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td style="width: 14%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">Category 4</div>
            </td>
            <td style="width: 37%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div>VP/ Chief Credit Officer</div>
              <div>VP/ Internal Asset Review</div>
              <div> Manager</div>
              <div>VP/Information Technology</div>
              <div> VP/Retail Deposit Operations</div>
              <div> Manager</div>
              <div>VP/Administration and</div>
              <div> Community Development</div>
              <div> Manager</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">10%</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">20%</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">30%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 14%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">Category 5</div>
            </td>
            <td style="width: 37%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>AVP/ Human Resources</div>
              <div> Manager</div>
              <div>VP/Training Manager</div>
              <div>AVP/BSA Officer</div>
              <div>AVP/Information Technology</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">5%</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">15%</div>
            </td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">20%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 1%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td style="width: 14%; vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 37%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">&#160;</td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">&#160;</td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">&#160;</td>
            <td style="width: 16%; vertical-align: middle; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">&#160;</td>
          </tr>

      </table>
      <div><br>
         </div>
      <div style="text-align: justify;">Sample bonus calculation worksheets are shown on pages 7-9.</div>
      <div><br>
         </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="width: 100%;" id="DSPFPageFooter">
          <table cellspacing="0" cellpadding="0" border="0" id="z1190df3dfa5c479f919c79db158705b3" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;">

              <tr>
                <td style="width: 100%; border-top: 2px solid rgb(0, 0, 0);">
                  <div style="padding-top: 1pt;">
                    <div style="text-align: left; font-size: 8pt;">Approved by Board 02-2020</div>
                  </div>
                </td>
              </tr>

          </table>
        </div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; font-weight: bold;">
        <table cellspacing="0" cellpadding="0" border="0" id="z5c86ef8d938b4952a4fadbcf4bf01cfd" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="width: 50%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div><img width="272" height="95" src="image0.jpg"></div>
              </td>
              <td style="width: 50%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-weight: bold;">PLAN DOCUMENT</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; font-weight: bold;"> <br>
      </div>
      <div style="text-align: justify; font-weight: bold;">DISCRETIONARY AWARDS</div>
      <div><br>
         </div>
      <div style="text-align: justify;">As part of this Plan design, an additional discretionary bonus reserve equal to 10% of the total bonus accrual for the Plan year will be available to recognize exempt employees who have demonstrated
        outstanding individual performance. The minimum award is $500 and the maximum award is $10,000. The number and amount of discretionary awards will be determined by the number of eligible employees, the total amount of the bonus reserve, and
        individual employee performance.</div>
      <div><br>
         </div>
      <div style="text-align: justify;">Discretionary awards based on individual performance are available under the Plan, even if threshold minimum net earnings are not achieved, except for employment categories &#8220;1&#8221; and &#8220;2&#8221; that require
        board approval.</div>
      <div><br>
         </div>
      <div style="text-align: justify; font-weight: bold;">BONUS CONDITIONS</div>
      <div><br>
         </div>
      <div style="text-align: justify;">The Bank will not make any bonus or incentive payments if any of the following conditions exist:</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zfb683e9c458e47cd9bfeaddcb406d6c3">

          <tr>
            <td style="width: 18pt;"><br>
               </td>
            <td style="width: 18pt; vertical-align: top;">1.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>The Bank is subject to any adverse corrective regulatory action.</div>
            </td>
          </tr>

      </table>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0740fd35ee7e48e295fdef08de499c8d">

          <tr>
            <td style="width: 18pt;"><br>
               </td>
            <td style="width: 18pt; vertical-align: top;">2.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>The Bank is less than &#8220;Well Capitalized&#8221;, according to Prompt Corrective Action Standards.</div>
            </td>
          </tr>

      </table>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc207d0ca8dc7492d89445af012787d5d">

          <tr>
            <td style="width: 18pt;"><br>
               </td>
            <td style="width: 18pt; vertical-align: top;">3.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>The Bank receives a composite rating of &#8220;4&#8221; or worse, or a component rating of &#8220;4&#8221; or worse for &#8220;asset quality&#8221; at any regulatory examination.</div>
            </td>
          </tr>

      </table>
      <div><br>
         </div>
      <div style="text-align: justify; font-weight: bold;">TERMINATION OF EMPLOYMENT</div>
      <div><br>
         </div>
      <div style="text-align: justify;">Unless determined otherwise by the Committee, a Participant who terminates employment with the Bank for any reason except Bank-approved retirement, permanent disability, or death prior to the end of
        a year is not eligible to receive a final award for that year.</div>
      <div><br>
         </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="width: 100%;" id="DSPFPageFooter">
          <table cellspacing="0" cellpadding="0" border="0" id="z1190df3dfa5c479f919c79db158705b3" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;">

              <tr>
                <td style="width: 100%; border-top: 2px solid rgb(0, 0, 0);">
                  <div style="padding-top: 1pt;">
                    <div style="text-align: left; font-size: 8pt;">Approved by Board 02-2020</div>
                  </div>
                </td>
              </tr>

          </table>
        </div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify;">
        <table cellspacing="0" cellpadding="0" border="0" id="zd87510e3536b4b40a931592ab29cbb54" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="width: 50%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div><img width="272" height="95" src="image0.jpg"></div>
              </td>
              <td style="width: 50%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-weight: bold;">PLAN DOCUMENT</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify;"> <br>
      </div>
      <div style="text-align: justify;">Unless determined otherwise by the Committee, in the case of Bank-approved retirement, permanent disability, or death during the year, the eligibility of the Participant (or the participant&#8217;s
        surviving spouse or other beneficiary in the case of death) to receive an award for that year remains in effect.&#160; In general, awards made in such cases are reduced pro rata based on the number of months of service during the year.</div>
      <div><br>
         </div>
      <div style="text-align: justify;">In the event of competitive activity, failure to cooperate with the Bank or to engage in conduct inimical to the best interest of the Bank, the Committee may, at its discretion, remove a participant
        from the Plan.</div>
      <div><br>
         </div>
      <div style="text-align: justify; font-weight: bold;">DEFINITIONS</div>
      <div><br>
         </div>
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          <tr>
            <td style="width: 126pt; vertical-align: top;">The &#8220;Plan&#8221;</td>
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              <div>Incentive Compensation Plan of Broadway Federal Bank</div>
            </td>
          </tr>

      </table>
      <div><br>
         </div>
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          <tr>
            <td style="width: 126pt; vertical-align: top;">&#8220;Participants&#8221;</td>
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              <div>All active exempt employees of Broadway Federal Bank with a minimum of 3 months continuous service.</div>
            </td>
          </tr>

      </table>
      <div><br>
         </div>
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            <td style="width: 126pt; vertical-align: top;">The &#8220;Bank&#8221;</td>
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              <div>Broadway Federal Bank</div>
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          </tr>

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          <tr>
            <td style="width: 126pt; vertical-align: top;">The &#8220;Committee&#8221;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>The Compensation/Benefits Committee of the Board of Directors</div>
            </td>
          </tr>

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          <tr>
            <td style="width: 126pt; vertical-align: top;">&#8220;Individual Objectives&#8221;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Individual objectives are established at the beginning of each annual performance period by each employee and his/her manager</div>
            </td>
          </tr>

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          <tr>
            <td style="width: 126pt; vertical-align: top;">Senior Executive Officer</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Principal executive officer of the Bank, Chief Financial Officer, Chief Loan Officer and the Chief Retail Banking Officer.</div>
            </td>
          </tr>

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      <div> <br>
      </div>
      <div> <br>
      </div>
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                <td style="width: 100%; border-top: 2px solid rgb(0, 0, 0);">
                  <div style="padding-top: 1pt;">
                    <div style="text-align: left; font-size: 8pt;">Approved by Board 02-2020</div>
                  </div>
                </td>
              </tr>

          </table>
        </div>
      </div>
      <div>
        <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"> </div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.24
<SEQUENCE>4
<FILENAME>brhc10022486_ex10-24.htm
<DESCRIPTION>EXHIBIT 10.24
<TEXT>
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  <head>
    <title></title>
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  <div>
    <div>
      <div style="text-align: right; font-weight: bold;"> EXECUTION VERSION</div>
      <div style="text-align: right; font-weight: bold;">
        <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"> </div>
    </div>
    <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 10.24</font><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: center;">BROADWAY FINANCIAL CORPORATION</div>
    <div><br>
    </div>
    <div style="text-align: center;">STOCK PURCHASE AGREEMENT</div>
    <div><br>
    </div>
    <div style="text-align: center;">February 19, 2021</div>
    <div><br>
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    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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    <div style="text-align: center;"><u>TABLE OF CONTENTS</u></div>
    <div>&#160;</div>
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        <tr>
          <td style="vertical-align: top;" colspan="3">&#160;</td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;"><u>Page</u></div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top;" colspan="3" rowspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
            <div style="font-size: 12pt;"><font style="font-size: 10pt;"><font style="font-weight: bold;">ARTICLE 1</font>.</font><font style="font-size: 10pt;"> PURCHASE&#894; CLOSING</font></div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">1.1</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Issuance, Sale and Purchase</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">2</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">1.2</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Closing; Deliverables for the Closing; Conditions to the Closing</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top;" colspan="3">
            <div style="font-size: 12pt;"><font style="font-size: 10pt;"><font style="font-weight: bold;">ARTICLE 2</font>.</font><font style="font-size: 10pt;"> REPRESENTATIONS AND WARRANTIES</font></div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">5<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">2.1</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Certain Terms</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">5<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">2.2</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Representations and Warranties of the Company</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">6<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">2.3</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Representations and Warranties of the Investor</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">20</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top;" colspan="3">
            <div><font style="font-weight: bold;">ARTICLE 3</font>. COVENANTS</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">22</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">3.1</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Conduct of Business Prior to Closing</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">22</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">3.2</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Use of Proceeds</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">22</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">3.3</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Regulatory Filings</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">23</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">3.4</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Confidentiality</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">23</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">3.5</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Publicity</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">23</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">3.6</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Commercially Reasonable Efforts</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">24</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">3.7</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">Legend</font><font style="font-size: 10pt;">.</font></div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">24</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">3.8</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Exchange Listing</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">24</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">3.9</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Authorized Shares</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">25</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">3.10</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Rule 144 Reporting</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">25</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">3.11</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Exchange Rights</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">25</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top;" colspan="3">
            <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 4.</font><font style="font-size: 10pt;"> TERMINATION</font></div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">25</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">4.1</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Termination</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">25</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">4.2</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Effects of Termination</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">26</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
            <div><font style="font-weight: bold;">ARTICLE 5.</font> INDEMNITY</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">27</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">5.1</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Indemnification by the Company</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">27</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">5.2</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Indemnification by the Investor</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">27</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">5.3</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Notification of Claims</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">28</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">5.4</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Indemnification Payment</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">5.5</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Exclusive Remedies</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">30</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
            <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 6.</font><font style="font-size: 10pt;"> MISCELLANEOUS</font></div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">6.1</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Survival</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">
            <div style="font-weight: bold;">6.2</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">
            <div style="font-weight: bold;">Other Definitions</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">
            <div style="text-align: right;">30</div>
          </td>
        </tr>

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      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">i</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" id="z492d31b7737945aaafe9324dc9c559b5" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">6.3</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Amendment and Waivers</div>
          </td>
          <td style="width: 9.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">33</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">6.4</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Counterparts and Facsimile</div>
          </td>
          <td style="width: 9.58%; vertical-align: top;">
            <div style="text-align: right;">33</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">6.5</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Governing Law</div>
          </td>
          <td style="width: 9.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">33</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">6.6</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">WAIVER OF JURY TRIAL</div>
          </td>
          <td style="width: 9.58%; vertical-align: top;">
            <div style="text-align: right;">33</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">6.7</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Notices</div>
          </td>
          <td style="width: 9.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">34</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">6.8</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Entire Agreement</div>
          </td>
          <td style="width: 9.58%; vertical-align: top;">
            <div style="text-align: right;">34</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">6.9</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Successors and Assigns</div>
          </td>
          <td style="width: 9.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">34</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">6.10</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Captions</div>
          </td>
          <td style="width: 9.58%; vertical-align: top;">
            <div style="text-align: right;">35</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">6.11</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Severability</div>
          </td>
          <td style="width: 9.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">35</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">6.12</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Third Party Beneficiaries</div>
          </td>
          <td style="width: 9.58%; vertical-align: top;">
            <div style="text-align: right;">35</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">6.13</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">Public Announcements</div>
          </td>
          <td style="width: 9.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">35</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div style="font-weight: bold;">6.14</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-weight: bold;">Specific Performance</div>
          </td>
          <td style="width: 9.58%; vertical-align: top;">
            <div style="text-align: right;">35</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">6.15</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">No Recourse to Other Persons</div>
          </td>
          <td style="width: 9.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">35</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;"><u>INDEX OF DEFINED TERMS</u></div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" id="z23281a5d0b794347b944b5f8a7bcb69e" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 90%; vertical-align: top;">&#160;</td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;"><u>Page</u></div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">&#160;</td>
          <td style="width: 10%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Action</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">8<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Affiliate</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Agency</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">31<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Agreement</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Bank</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">6</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Bank Merger</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Benefit Plans</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">16</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Board of Directors</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">31</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Business Day</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">31</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Capital Stock</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">31</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>CDFI</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">6</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>CFB</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Class A Common Stock</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Class B Common Stock</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Class C Common Stock</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Closing</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">2</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Closing Date</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Code</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">31</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Company</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Company Employees</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">16</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Company Financial Statements</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">9</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Company Indemnified Parties</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">27</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">ii</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" id="z7c82167bfe4f4cd4a24bb3d3608ff2a5" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Company Insurance Policies</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">15</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Company IT Assets</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">10</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Company Reports</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">9</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Company Specified Representations</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">31</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Company Stock Plan</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">7</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Company Subsidiaries</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">6</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Company Subsidiary</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">6</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Concurrent Other Transactions</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>control</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>controlled by</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>controlling</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Disclosure Schedule</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">31</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Disqualification Event</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">18</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>EESA</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">16</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>ERISA</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">16</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>ERISA Affiliate</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">16</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Exchange Act</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">9<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>FDIC</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">6<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>GAAP</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">31</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Governmental Authorizations</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">14</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Governmental Consent</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">31</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Governmental Entity</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">32</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Indemnified Party</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">28</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Indemnifying Party</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">28</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Insider</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">19</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Insurer</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">32</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Intellectual Property Rights</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">15</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Investment</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Investor</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Investor Indemnified Parties</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">27</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Investor Specified Representations</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">32</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Knowledge</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">32</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Law</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">14</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Liens</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">8</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Loan Investor</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">32</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Losses</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">32</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Material Adverse Effect</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">5</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Merger</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Merger Agreement</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Merger Transactions</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Multiemployer Plan</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">16</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Non-Voting Common Stock</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">7</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>OFAC</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">12</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top;">
            <div>Parties</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Per Share Purchase Price</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2</div>
          </td>
        </tr>

    </table>
    <div> <br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">iii</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" id="z21de727c18c34ba88f6712cbc0fb4611" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Person</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">32</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top;">
            <div>Personal Information</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right;">11</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Placement Agents</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top;">
            <div>Preferred Stock</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right;">7</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Previously Disclosed</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">5</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top;">
            <div>Privacy Laws</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right;">11</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Purchase Price</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top;">
            <div>Registration Statement</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right;">21</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Rule 506</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">18</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top;">
            <div>SEC</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right;">5</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Securities Act</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">7<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top;">
            <div>Shares</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right;">2</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>SLHCA Act</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">6</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top;">
            <div>Stockholder Approval</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right;">3</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Subsidiary</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">32</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top;">
            <div>Surviving Bank</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Tax</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">32</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top;">
            <div>Tax Return</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right;">33</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Taxes</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">32</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top;">
            <div>Third Party Claim</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right;">28</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Threshold Amount</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">27</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top;">
            <div>under common control with</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right;">30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Voting Common Stock</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">7</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top;">
            <div>Voting Debt</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right;">7<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Voting Securities</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">33</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">iv</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: center; font-weight: bold;"><u>STOCK PURCHASE AGREEMENT</u></div>
    <div>&#160;</div>
    <div style="text-align: justify; font-size: 12pt; text-indent: 36pt;"><font style="font-size: 10pt; font-weight: bold;">THIS STOCK PURCHASE AGREEMENT </font><font style="font-size: 10pt;">(as amended, supplemented or otherwise modified from time to
        time, this &#8220;<font style="font-weight: bold;"><u>Agreement</u></font>&#8221;) is dated as of February 19, 2021, and is entered into by and among Broadway Financial Corporation, a Delaware corporation (the &#8220;<font style="font-weight: bold;"><u>Company</u></font>&#8221;),


        and Ally Ventures, a business unit of Ally Financial Inc., a Delaware corporation (the &#8220;<font style="font-weight: bold;"><u>Investor</u></font>&#8221;, and together with the Company, the &#8220;<font style="font-weight: bold;"><u>Parties</u></font>&#8221;).</font></div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;"><u>RECITALS</u></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 36pt;"><a name="z_Hlk53516059"></a><font style="font-weight: bold;">WHEREAS</font>, the Company is a party to that certain Agreement and Plan of Merger (the &#8220;<font style="font-weight: bold;"><u>Merger
          Agreement</u></font>&#8221;) with CFBanc Corporation, a District of Columbia benefit corporation (&#8220;<font style="font-weight: bold;"><u>CFB</u></font>&#8221;) which provides, among other things and subject to the terms and conditions of the Merger Agreement,
      for (i) the merger of CFB with and into the Company, with the Company continuing as the surviving entity in the Merger (the &#8220;<font style="font-weight: bold;"><u>Merger</u></font>&#8221;), (ii) <font style="color: rgb(38, 38, 38);">immediately following
        the Merger, Broadway Federal Bank, f.s.b., a wholly owned subsidiary of the Company, will merge with and into City First Bank of D.C., National Association (&#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>CFB Sub</u></font><font style="color: rgb(38, 38, 38);">&#8221;), a wholly owned subsidiary of CFB (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Bank Merger</u></font><font style="color: rgb(38, 38, 38);">&#8221; and together with the Merger and </font>the
      other transactions contemplated by the Merger Agreement, the &#8220;<font style="font-weight: bold;"><u>Merger Transactions</u></font>&#8221;)<font style="color: rgb(38, 38, 38);">, with CFB Sub continuing as the surviving entity (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Surviving Bank</u></font><font style="color: rgb(38, 38, 38);">&#8221;)</font>, and (iii) the Company&#8217;s voting common stock, par value $0.01 per share, will be renamed Class A Common Stock (&#8220;<font style="font-weight: bold;"><u>Class A Common Stock</u></font>&#8221;), a new class of non-voting common stock of the Company, par value $0.01 per share, will be created which will be named Class B Common Stock (&#8220;<font style="font-weight: bold;"><u>Class
          B Common Stock</u></font>&#8221;) and the Company&#8217;s currently authorized non-voting common stock, par value $0.01 per share, will be renamed Class C Common Stock (the &#8220;<font style="font-weight: bold;"><u>Class C Common Stock</u></font>&#8221; and
      collectively, the &#8220;<font style="font-weight: bold;"><u>Common Stock</u></font>&#8221; );</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company has engaged Raymond James &amp; Associates, Inc. and Keefe, Bruyette
        &amp; Woods, Inc. as co-placement agents (the &#8220;<font style="font-weight: bold;"><u>Placement Agents</u></font>&#8221;) for the offering of the Common Stock.</font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company desires to issue and sell to the Investor, and the Investor desires to
        purchase from the Company, on the terms and conditions described herein, shares of Class A Common Stock at the Per Share Purchase Price specified herein (the &#8220;<font style="font-weight: bold;"><u>Investment</u></font>&#8221;);</font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made subject to completion of the Merger
        Transactions;</font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made concurrently with the sale by the Company of
        shares of Class A Common Stock and Class C Common Stock at the Per Share Purchase Price via private placement to certain other investors (the &#8220;<font style="font-weight: bold;"><u>Concurrent Other Transactions</u></font>&#8221;); and</font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">NOW, THEREFORE</font><font style="font-size: 10pt;">, in consideration of the premises, and of the respective representations,
        warranties, covenants and other agreements of the Parties set forth herein, the Parties hereby agree as follows:</font></div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <!--PROfilePageNumberReset%Num%2%%%-->
    <div style="text-align: center; font-weight: bold;">ARTICLE 1.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655903"></a><a name="z_Toc55380678"></a><a name="z_Toc56510574"></a><a name="z_Toc57018165"></a>PURCHASE&#894; CLOSING</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655904"></a><a name="z_Toc55380679"></a><a name="z_Toc56510575"></a><a name="z_Toc57018166"></a><font style="font-weight: bold;">1.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Issuance,


          Sale and Purchase</u></font><font style="font-weight: normal;">.</font> On the terms and subject to the conditions set forth herein, the Company agrees to issue and sell to the Investor, and the Investor agrees to purchase from the Company, free
      and clear of any Liens, 561,797 shares of Class A Common Stock (the &#8220;<font style="font-weight: bold;"><u>Shares</u></font>&#8221;) at a per share purchase price of $1.78 or, if lower, the same price paid by any other Person who acquires shares (or enters
      into any agreement to acquire shares) of Class A Common Stock (or any other Voting Stock or Non-Voting Stock or common equivalent Preferred Stock) after the date hereof and prior to, or substantially contemporaneous with, the Closing (the &#8220;<font style="font-weight: bold;"><u>Per Share Purchase Price</u></font>&#8221;), payable to the Company in immediately available funds at the Closing; provided, however, that the number of Shares that the Investor is required to purchase pursuant to this
      Section 1.1 shall be reduced, if and to the extent necessary to cause the percentage of the Company&#8217;s Class A Common Stock held by the Investor as of immediately following the Closing and the closing of the Concurrent Other Transactions not to exceed
      4.9% of the total number of shares of Class A Common Stock outstanding immediately following the Closing and the closing of the Concurrent Other Transactions.&#160; The aggregate purchase price payable pursuant to this Section 1.1 is referred to herein as
      the &#8220;<font style="font-weight: bold;"><u>Purchase Price</u></font>&#8221;).</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655905"></a><a name="z_Toc55380680"></a><a name="z_Toc56510576"></a><a name="z_Toc57018167"></a><font style="font-weight: bold;">1.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing;


          Deliverables for the Closing; Conditions to the Closing</u><font style="font-weight: normal;">.</font></font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing</u></font>.&#160; Unless this Agreement has been terminated pursuant to Article 4, and subject to the satisfaction or, to the extent permitted by
      Law and this Agreement, the written waiver of the conditions set forth in Section 1.2(c), the closing of the transaction contemplated by this Agreement (the &#8220;<font style="font-weight: bold;"><u>Closing</u></font>&#8221;) shall take place at the offices of
      Arnold &amp; Porter LLP, located at 777 South Figueroa Street, 44th Floor, Los Angeles, California 90017, or remotely via the electronic or other exchange of documents and signature pages, at 9:00 a.m. Pacific Time on the second Business Day after
      the satisfaction or, if permissible, waiver of the conditions set forth in Section 1.2(c) (other than those which by their nature are to be satisfied at Closing, but subject to the satisfaction or waiver of such conditions), or at such other place or
      such other date as may be agreed to by the Parties (the &#8220;<font style="font-weight: bold;"><u>Closing Date</u></font>&#8221;).</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing Deliverables</u></font>.&#160; Subject to the satisfaction or permitted waiver of the conditions to the Closing set forth in Section 1.2(c), at the
      Closing the Parties shall make the following deliveries:</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Company shall deliver to the Investor one or more certificates evidencing the Shares registered in the name of the Investor (or if the Shares are to be uncertificated, the Company
      shall deliver appropriate evidence of such registration of the Shares in the name of the Investor);</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the Company shall deliver to the Investor a schedule setting forth the aggregate number of shares of each class of Capital Stock outstanding immediately after giving effect to the Merger
      Transactions, the Concurrent Other Transactions and the transactions contemplated hereby; and</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    </div>
    <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160; the Investor shall deliver the Purchase Price by wire transfer of immediately available funds to the account specified by the Company for this purpose by notice to the Investor prior to
      the Closing.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref53247642"></a>(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing Conditions</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The obligations of the Investor, on the one hand, and the Company, on the other hand, to consummate the purchase and sale of the Shares provided for in this Agreement are each subject
      to the satisfaction or, to the extent permitted by Law and this Agreement, the waiver by the Company or the Investor, as applicable, of the following conditions to the Closing under this Agreement:</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;All Governmental Consents required to have been obtained at or prior to the Closing Date in connection with the execution, delivery or performance of this Agreement and the consummation
      of the transactions contemplated hereby shall have been obtained and shall be in full force and effect.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Merger Transactions shall have been consummated in accordance with the Merger Agreement, including the approval of the Merger Agreement by the stockholders of each of the Company and
      CFB;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160; &#160;&#160; &#160;&#160;&#160; If required under applicable Law or the rules and regulations of the Nasdaq Stock Market, the approval by stockholders of the Company of resolutions providing for the Company&#8217;s issuance
      of the maximum number of shares of Common Stock to be issued under this Agreement and in the Concurrent Other Transactions in accordance with this Agreement, the definitive documentation relating to the Concurrent Other Transactions, and applicable
      Law and the rules and regulations of the Nasdaq Stock Market (such approval being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Stockholder Approval</u></font>&#8221;) shall have been obtained;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160; &#160; &#160;&#160;&#160;&#160; Approval by the stockholders of the Company to increase in the authorized number of shares of Voting Common Stock (which will become Class A Common Stock upon completion of the Merger)
      from 50,000,000 shares to 75,000,000 shares, to be effected by the filing of an amended and restated certificate of incorporation of the Company (the &#8220;<font style="font-weight: bold;"><u>Authorized Shares Increase Approval</u></font>&#8221;),<font style="font-weight: bold;">&#160;</font>shall have been obtained.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Investor to consummate the purchase of Shares provided for in this Agreement is also subject to the satisfaction or waiver by the Investor of the following
      conditions to the Closing:</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (i) The&#160; Company Specified Representations shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on and as
      of the Closing Date and (ii) the other representations and warranties of the Company set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on and
      as of the Closing Date, except, in the case of this clause (ii) only, to the extent that the failure to be true and correct (without regard to any materiality or Material Adverse Effect qualifications contained therein), would not reasonably be
      expected to have, individually or in the aggregate, a Material Adverse Effect and except, in the case of clauses (i) and (ii), that representations and warranties made as of a specified date shall be true and correct as of such date;</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    </div>
    <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior to the
      Closing Date;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160; &#160; &#160;&#160;&#160; The Investor shall have received a certificate, dated as of the Closing Date, signed on behalf of the Company by a senior executive officer certifying to the effect that the conditions
      set forth in Section 1.2(c)(ii)(A), Section 1.2(c)(ii)(B) and Section 1.2(c)(ii)(D) have been satisfied on and as of the Closing Date;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; Since the date of this Agreement, no Material Adverse Effect shall have occurred and no change or other event shall have occurred that would reasonably be expected to have,
      individually or in the aggregate, a Material Adverse Effect;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160; The obligation of the Company to consummate the sale of the Shares provided for in this Agreement is also subject to the satisfaction or written waiver by the Company of the following
      conditions to the Closing:</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The representations and warranties of the Investor set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the
      Closing Date as though made on and as of the Closing Date, except to the extent that the failure to be true and correct (without regard to any materiality qualifications contained therein) would not materially adversely affect the ability of the
      Investor to perform its obligations hereunder and except that (1) representations and warranties made as of a specified date shall be true and correct as of such date and (2) the representations and warranties of the Investor set forth in Sections
      2.3(d) and 2.3(f) shall be true and correct in all respects;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160; The Investor shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior to
      the Closing Date; and</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160; &#160; &#160;&#160;&#160;&#160;&#160; The Company shall have received a certificate, dated as of the Closing Date, signed on behalf of the Investor by a duly authorized person certifying to the effect that the conditions
      set forth in Section 1.2(c)(iii)(A) and Section 1.2(c)(iii)(B) have been satisfied on and as of the Closing Date.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: center; font-weight: bold;">ARTICLE 2.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655906"></a><a name="z_Toc55380681"></a><a name="z_Toc56510577"></a><a name="z_Toc57018168"></a>REPRESENTATIONS AND WARRANTIES</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655907"></a><a name="z_Toc55380682"></a><a name="z_Toc56510578"></a><a name="z_Toc57018169"></a><font style="font-weight: bold;">2.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Certain


          Terms</u><font style="font-weight: normal;">.</font></font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Material Adverse Effect</u></font>&#8221; means any circumstance, event, change, development or effect that, individually
      or in the aggregate, would reasonably be expected to (i) result in a material adverse effect on the assets, liabilities, business, financial condition or results of operations of the Company and the Company Subsidiaries, taken as a whole, or (ii)
      materially impair or delay the ability of the Company or any of the Company Subsidiaries to perform its or their obligations under this Agreement to consummate the Closing or any of the transactions contemplated hereby; provided, however, that in
      determining whether a Material Adverse Effect has occurred under clause (i), there shall be excluded any circumstance, event, change, development or effect to the extent resulting from (A) actions or omissions of the Company or any Company Subsidiary
      expressly required or contemplated by the terms of this Agreement, (B) changes after the date hereof in general economic conditions in the United States, including financial market volatility or downturns, or in the markets in which the Company and
      the Company Subsidiaries operate, (C) changes after the date hereof affecting the banking industry generally, (D) any changes after the date hereof in applicable Laws or accounting rules or principles, including changes in GAAP, (E) changes in the
      market price or trading volume of the Common Stock or the Company&#8217;s other outstanding securities (but not the underlying causes of such changes), (F) any epidemic, pandemic or disease outbreak (including the Covid-19 virus) including any worsening of
      such conditions; or (G) any failure by the Company or any of the Company Subsidiaries to meet any internal projections or forecasts with regard to the assets, liabilities, business, financial condition or results of operations of the Company and the
      Company Subsidiaries, taken as a whole (but not the underlying causes of such failure), in each case to the extent that such circumstance, event, change, development or effect referred to in clauses (B), (C) and (D) do not have a disproportionate
      effect on the Company and the Company Subsidiaries compared to other participants in the industries or markets in which the Company and the Company Subsidiaries operate.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Previously Disclosed</u></font>&#8221; (i) with regard to any Party, means information set forth in its Disclosure
      Schedule under Section references corresponding with the provision of this Agreement to which such information relates (including, in the case of the Company, information identified in the Company&#8217;s Disclosure Schedule); provided, however, that if
      such information is disclosed in such a way as to make its relevance or applicability to another provision of this Agreement reasonably apparent on its face, such information shall be deemed to be responsive to such other provision of this Agreement
      and (ii) with regard to the Company, includes information publicly disclosed by the Company in any reports, schedules, forms, statements and other documents filed or furnished by the Company under the Securities Act and the Exchange Act with the
      Securities and Exchange Commission (the &#8220;<font style="font-weight: bold;"><u>SEC</u></font>&#8221;), including pursuant to Section 13(a) or 15(d) thereof, since December 31, 2017, in each case available prior to the date of this Agreement (excluding any
      risk factor disclosures contained in such documents under the heading &#8220;Risk Factors&#8221; and any disclosure of risks included in any &#8220;forward-looking statements&#8221; disclaimer or other statements that are similarly non-specific and are predictive or
      forward-looking in nature). Notwithstanding anything in this Agreement to the contrary, the mere inclusion of an item in a Disclosure Schedule shall not be deemed an admission that such item represents a material exception or material fact, event or
      circumstance or that such item has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;"><a name="z_Toc53655908"></a><a name="z_Toc55380683"></a><a name="z_Toc56510579"></a></font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">5</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    </div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">2.2</font>&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Representations and Warranties of the Company</u></font>. Except as Previously Disclosed, the Company hereby
      represents and warrants to the Investor, as of the date of this Agreement and as of the Closing Date (except for the representations and warranties that are as of a specific date, which are made as of that date) that:</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; Each of the Company and the Company Subsidiaries is a corporation or other entity duly organized and validly
      existing under the laws of the jurisdiction of its incorporation or organization, is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of property or the conduct of its business requires it to
      be so qualified, except where any failure to be so qualified would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and has the corporate or other organizational power and authority to own its
      properties and assets and to carry on its business as it is now being conducted.&#160; The Company has Previously Disclosed correct and complete copies of the certificate of incorporation and bylaws (or similar governing documents) as amended through the
      date of this Agreement for the Company and Broadway Federal Bank, f.s.b. (the &#8220;<font style="font-weight: bold;"><u>Bank</u></font>&#8221;).&#160; The Company is duly registered with the Board of Governors of the Federal Reserve System (the &#8220;<font style="font-weight: bold;"><u>Federal Reserve</u></font>&#8221;) as a savings and loan holding company under the Savings and Loan Holding Company Act, as amended, 12 U.S.C. 1467a (the &#8220;<font style="font-weight: bold;"><u>SLHCA Act</u></font>&#8221;).&#160; As of
      the date hereof, the Company is a certified &#8220;community development financial institution&#8221; designated as such under the Community Development Banking and Financial Institutions Act of 1994, as amended (12 U.S.C. Sections 5311 et seq.) and its
      implementing regulations, as applicable (a &#8220;<font style="font-weight: bold;">CDFI</font>&#8221;).&#160; Following the consummation of the Bank Merger, the Surviving Bank will apply to be designated as a CDFI.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Company Subsidiaries</u></font>.&#160; As of the date of this Agreement, the Company has Previously Disclosed a true, complete and correct list of each
      entity in which the Company, directly or indirectly, owns sufficient capital stock or holds a sufficient equity or similar interest such that it is consolidated with the Company in the financial statements of the Company or has the power to elect a
      majority of the board of directors or other persons performing similar functions (each, a &#8220;<font style="font-weight: bold;"><u>Company Subsidiary</u></font>&#8221; and, collectively, the &#8220;<font style="font-weight: bold;"><u>Company Subsidiaries</u></font>,&#8221;

      and upon the consummation of the Merger Transactions, the Surviving Bank and each entity specified in Part II of Section 2.2(b) of the Disclosure Schedules will be deemed a Company Subsidiary).&#160; Except for the Company Subsidiaries and as Previously
      Disclosed, the Company does not own beneficially or control, directly or indirectly, more than 5% of any class of equity securities or similar interests of any corporation, bank, business trust, association or similar organization, and is not,
      directly or indirectly, a partner in any general partnership or party to any joint venture or similar arrangement.&#160; The Company owns, directly or indirectly, all of its interests in each Company Subsidiary free and clear of any and all Liens.&#160; No
      equity security of any Company Subsidiary is or may be required to be issued by reason of any option, warrant, scrip, preemptive right, right to subscribe to, gross-up right, call or commitment of any character whatsoever relating to, or security or
      right convertible into, shares of any capital stock or other interest of such Company Subsidiary, and there are no contracts, commitments, understandings or arrangements by which any Company Subsidiary is bound to issue additional shares of its
      capital stock or other interest, or any option, warrant or right to purchase or acquire any additional shares of its capital stock.&#160; The deposit accounts of the Bank are insured by the Federal Deposit Insurance Corporation (&#8220;<font style="font-weight: bold;"><u>FDIC</u></font>&#8221;) to the fullest extent permitted by the Federal Deposit Insurance Act, as amended, and the rules and regulations of the FDIC thereunder, and all premiums and assessments required to be paid in connection therewith have
      been paid when due (after giving effect to any applicable extensions). The Company beneficially owns all of the outstanding capital securities of, and has sole control of, the Bank.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">6</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    </div>
    <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Capitalization</u></font>.</div>
    <div>&#160;<br>
    </div>
    <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as set forth on the Disclosure Schedule, as of the date hereof, the authorized Capital Stock of the Company consists of 50,000,000 shares of Voting Common Stock, par value $0.01
      per share (&#8220;<font style="font-weight: bold;"><u>Voting Common Stock</u></font>&#8221;), 25,000,000 shares of Non-Voting Common Stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Non-Voting Common Stock</u></font>&#8221;), and 1,000,000 shares of
      preferred stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Preferred Stock</u></font>&#8221;).</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, before giving effect to the transaction provided for herein, the Merger Transactions and the Concurrent Other Transactions the Company has issued and outstanding:
      (i) 19,281,758 of shares of Voting Common Stock, including 556,169 shares of Voting Common Stock granted in respect of outstanding restricted stock awards, (ii) 1,637,902 shares of Voting Common Stock held by the trust for the Broadway Federal Bank,
      f.s.b. Employee Stock Ownership Plan, and (iii) 8,756,396 shares of Non-Voting Common Stock.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, other than in respect of awards outstanding under or issuable pursuant to the Company&#8217;s 2008 Long-Term Incentive Plan (the &#8220;<font style="font-weight: bold;"><u>Company


          Stock Plan</u></font>&#8221;) consisting of options to purchase an aggregate of 450,000 shares of common stock, and except in connection with this Agreement and the transactions contemplated hereby, the Merger Agreement and the Concurrent Other
      Transactions, the Company has not (A) agreed to issue or authorized the issuance after the date hereof of any shares of Common Stock or Preferred Stock, or any securities convertible into or exchangeable or exercisable for shares of Common Stock or
      Preferred Stock, (B) reserved for issuance any shares of Capital Stock of the Company or (C) repurchased or redeemed, or agreed to or authorized the repurchase or redemption of, any shares of Capital Stock of the Company.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; All of the issued and outstanding shares of Capital Stock of the Company have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights,
      except for the preemptive rights granted to certain institutional stockholders of the Company identified on Schedule 2.2(c)(iv) of the Company&#8217;s Disclosure Schedule.&#160; None of the outstanding shares of Capital Stock or other securities of the Company
      or any of the Company Subsidiaries was issued, sold or offered by the Company or any Company Subsidiary in violation of the Securities Act of 1933, as amended (the &#8220;<font style="font-weight: bold;"><u>Securities Act</u></font>&#8221;) or the securities or
      blue sky laws of any state or jurisdiction, or in violation of any agreement, arrangement or commitment to which the Company was or is a party or subject, or in violation of any preemptive or similar rights of any Person.&#160; No bonds, debentures, notes
      or other indebtedness having the right to vote on any matters on which the stockholders of the Company may vote (&#8220;<font style="font-weight: bold;"><u>Voting Debt</u></font>&#8221;) are issued and outstanding.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date of this Agreement, except for the outstanding awards under the Company Stock Plan, the Company does not have and is not bound by any outstanding subscriptions, options,
      warrants, calls, commitments or agreements of any character calling for the purchase or issuance of, or securities or rights convertible into or exchangeable or exercisable for, any shares of Capital Stock or Voting Debt of the Company.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">7</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    </div>
    <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160; The Company has the corporate power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The Board of Directors has approved the transactions
      contemplated by this Agreement.&#160; This Agreement has been duly and validly executed and delivered by the Company and, assuming due authorization, execution and delivery by the Investor, is the valid and binding obligation of the Company enforceable
      against the Company in accordance with its terms, except as enforcement may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217;
      rights or by general equity principles (whether applied in equity or at law).</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution and delivery by the Company of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Company with any of the provisions
      hereof, will, with or without the passage of time and giving of notice, (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would constitute a
      default) under, or result in the termination of, or result in the loss of any benefit or creation of any right on the part of any third party under, or accelerate the performance required by, or result in a right of termination or acceleration of, or
      result in the creation of any liens, charges, adverse rights or claims, pledges, covenants, title defects, security interests or other encumbrances of any kind (&#8220;<font style="font-weight: bold;"><u>Liens</u></font>&#8221;) upon any of the properties or
      assets of the Company or any Company Subsidiary, under any of the terms, conditions or provisions of (1) the certificate of incorporation or bylaws (or similar governing documents) of the Company and each Company Subsidiary or (2) any note, bond,
      mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Company or any of the Company Subsidiaries is a party or by which it may be bound, or to which the Company or any of the Company
      Subsidiaries, or any of the properties or assets of the Company or any of the Company Subsidiaries may be subject, or (B) violate any Law applicable to the Company or any of the Company Subsidiaries or any of their respective properties or assets
      except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
      delivery of this Agreement or for the sale by the Company of Common Stock to the Investor pursuant to this Agreement.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Litigation and Other Proceedings</u></font>.&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse
      Effect, or as would not reasonably be expected to adversely impact the reputation of the Company, the Company Subsidiaries or their respective investors in any material respect, there is no pending or, to the Knowledge of the Company, threatened
      claim, action, suit, arbitration, complaint, charge or investigation or proceeding (each an &#8220;<font style="font-weight: bold;"><u>Action</u></font>&#8221;) against the Company or any Company Subsidiary or any of their respective assets, rights or
      properties, nor is the Company or any Company Subsidiary a party or named as subject to the provisions of any order, writ, injunction, settlement, judgment or decree of any court, arbitrator or government agency, or instrumentality.&#160; There has not
      been, and to the Knowledge of the Company, there is not pending or contemplated, any investigation or other Action by the SEC involving the Company or any current or former director or officer of the Company in his or her capacity as such.</div>
    <div>&#160;</div>
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    <div style="text-align: justify; text-indent: 72pt;">(g) &#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Financial Statements</u></font>.&#160; The audited consolidated balance sheets of the Company and the Company Subsidiaries and the related consolidated
      statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s Annual Report on Form 10-K filed with the SEC for the year ended December 31, 2019 and the unaudited consolidated
      balance sheets of the Company and the Company Subsidiaries and the related unaudited consolidated statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s quarterly reports
      on Form 10-Q filed with the SEC for the quarterly period ending September 30, 2020 (the &#8220;<font style="font-weight: bold;"><u>Company Financial Statements</u></font>&#8221;) (i) have been prepared from, and are in accordance with, the books and records of
      the Company and the Company Subsidiaries, (ii) complied, as of the date of such filing, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, (iii) have been
      prepared in accordance with GAAP applied on a consistent basis and (iv) present fairly in all material respects the consolidated financial position of the Company and the Company Subsidiaries at the dates and the consolidated results of operations,
      changes in stockholders&#8217; equity and cash flows of the Company and the Company Subsidiaries for the periods stated therein.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160; &#160; &#160;&#160; <u></u><font style="font-weight: bold;"><u>Reports</u></font>.&#160; Since December 31, 2017, the Company and each Company Subsidiary have filed all material reports, registrations,
      documents, filings, statements and submissions, together with any required amendments thereto, that they were required to file with any Governmental Entity, including all those required under the Exchange Act, including pursuant to Section 13(a) or
      15(d) thereof (the foregoing, collectively, being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Company Reports</u></font>&#8221;) and have paid all material fees and assessments due and payable in connection therewith.&#160; As of their
      respective filing dates, or as subsequently amended prior to the date hereof, the Company Reports complied in all material respects with all statutes and applicable rules and regulations of the applicable Governmental Entities.&#160; As of the date of
      this Agreement, there are no outstanding comments from the SEC or any other Governmental Entity with respect to any Company Report that were the subject of written correspondence that have not been resolved.&#160; The Company Reports, including the
      documents incorporated by reference in each of them, each contained all the information required to be included in it and, when it was filed and, as of the date of each such Company Report filed with the SEC, or if amended prior to the date of this
      Agreement, as of the date of such amendment, did not contain an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made in it, in light of the circumstances under which they were made, not
      misleading and complied as to form in all material respects with the applicable requirements of the Securities Act and the Securities Exchange Act of 1934, as amended (the &#8220;<font style="font-weight: bold;"><u>Exchange Act</u></font>&#8221;).&#160; No executive
      officer of the Company has failed in any respect to make the certifications required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act of 2002.</div>
    <div>&#160;</div>
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      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">9</font></div>
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    <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Internal Accounting and Disclosure Controls</u></font>.&#160; The records, systems, controls, data and information of the Company and the Company
      Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of the Company or the Company
      Subsidiaries (including all means of access thereto and therefrom) or reputable banking industry service providers, except for any non-exclusive ownership and non-direct control that would not reasonably be expected to have an adverse effect on the
      system of internal accounting controls described below in this Section 2.2(i).&#160; The Company (i) has implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) intended to ensure that material
      information relating to the Company, including its consolidated Subsidiaries, is made known to the chief executive officer and the chief financial officer of the Company by others within those entities, and (ii) has disclosed, based on its most
      recent evaluation prior to the date of this Agreement, to the Company&#8217;s outside auditors and the audit committee of the Board of Directors (A) any significant deficiencies and material weaknesses in the design or operation of internal control over
      financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) that are reasonably likely to adversely affect the Company&#8217;s ability to record, process, summarize and report financial information, and (B) any fraud, whether or not material,
      that involves management or other employees who have a significant role in the Company&#8217;s internal controls over financial reporting.&#160; As of the date of this Agreement, the Company has no Knowledge of any reason that its outside auditors and its chief
      executive and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act of 2002, without qualification, when due.&#160;
      Since December 31, 2017, neither the Company nor any Company Subsidiary nor, to the Knowledge of the Company, any director, officer, employee, auditor, accountant or representative of the Company or any Company Subsidiary has received or otherwise
      had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods of the Company or any Company Subsidiary or their
      respective internal accounting controls, including any material complaint, allegation, assertion or claim that the Company or any Company Subsidiary has engaged in questionable accounting or auditing practices.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref_ContractCompanion_9kb9Ur04C"></a>(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Data Privacy</u><font style="font-weight: normal;">.</font></font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries have taken reasonable steps consistent with customary industry practices to protect the
      confidentiality, integrity, availability and security of the computers, servers, workstations, routers, hubs, switches, circuits, networks and other information technology equipment owned or controlled by them or by any third party and material to
      the Company and the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company IT Assets</u></font>&#8221;) (and all information and transactions stored or contained therein or transmitted thereby) against any unauthorized use, access,
      interruption, modification or corruption, and there has been no unauthorized use, access, interruption, modification or corruption of the Company IT Assets.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">10</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160; In connection with their receipt, purchase, collection, securing, safeguarding, storage, transfer (including any transfer across national
      borders), disclosure, destruction/disposal, and/or use or other processing of any Personal Information, each of the Company and the Company Subsidiaries, is and has been, in material compliance with all Privacy Laws, their respective privacy policies
      and the requirements of any contract or codes of conduct to which any of the Company or the Company Subsidiaries is a party.&#160; The privacy policies of the Company are customary for the industry in which the Company operates.&#160; The Company and the
      Company Subsidiaries have commercially reasonable and appropriate physical, technical, organizational, and administrative security measures and policies in place designed to protect all Personal Information collected by them or on their behalf from
      and against unauthorized access, use, interruption, modification, corruption, and/or disclosure.&#160; The Company and the Company Subsidiaries have binding written agreements obligating (in accordance with and as required by Privacy Laws (as applicable))
      all third parties collecting, accessing, receiving, storing or processing Personal Information on behalf of the Company and the Company Subsidiaries to (i) comply with all applicable Privacy Laws, (ii) take commercially reasonable and appropriate
      steps to protect and secure such Personal Information from and against unauthorized access, use interruption, modification, corruption, and/or disclosure which are no less stringent than those applied by the Company and the Company Subsidiaries and
      (iii) promptly notify the Company and the Company Subsidiaries of any unauthorized access, use interruption, modification, corruption, and/or disclosure of Personal Information or Company IT Assets processing Personal Information.&#160; The Company and
      the Company Subsidiaries are, and since December 31, 2017, have been, in compliance in all material respects with all Privacy Laws and any other applicable Laws in all relevant jurisdictions relating to data loss, theft and breach of security
      notification obligations.&#160; Since December 31, 2017, none of the Company or any of the Company Subsidiaries has experienced a material breach of its information technology systems or a data loss or theft as defined by the Laws in all relevant
      jurisdictions.&#160; None of the Company or any of the Company Subsidiaries has been charged with, or received any notice of any claims of, the violation in any material respect of any Privacy Laws or any of their respective privacy policies.&#160; The
      consummation of the transactions contemplated hereby will not breach or otherwise cause any violation of any Privacy Law.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; For the purposes of this <u>Section 2.2(j)</u>:</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(1)</font>&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; &#8220;<u>Personal Information</u>&#8221; means, in addition to any definition provided by applicable law or by the Company and the Company Subsidiaries
      in any of their respective privacy policies, contracts, or other public-facing statements for any similar term (<font style="font-style: italic;">e.g.</font>, &#8220;personally identifiable information&#8221; or &#8220;PII&#8221;), all information identifying, regarding or
      capable of being associated with an individual person or device.&#160; Personal Information may relate to any individual, including a current, prospective or former client (or a client&#8217;s customer or end user) or employee of any Person, and includes
      information in any form, including paper, electronic and other forms.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(2)</font>&#160;&#160; &#160; &#160; &#160;&#160;&#160;&#160;&#160; &#8220;<u>Privacy Laws</u>&#8221; means all applicable laws, legal requirements, and self-regulatory guidelines and principles relating to privacy, data
      security, and Personal Information and similar applicable consumer protection laws, including with respect to the receipt, collection, compilation, use, storage, processing, sharing, safeguarding, security, disposal, destruction, disclosure or
      transfer of Personal Information and any and all applicable laws governing breach notification in connection with Personal Information.&#160; As used in this Agreement, &#8220;Privacy Laws&#8221; shall include the California Consumer Privacy Act, General Data
      Protection Regulation and the rules and regulations promulgated thereunder, and applicable state laws.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">11</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Undisclosed Liabilities</u></font>.&#160; There are no liabilities of the Company or any of the Company Subsidiaries of any kind whatsoever, whether
      accrued, contingent, absolute, determined, determinable or otherwise, except for (i) liabilities adequately reflected or reserved against in accordance with GAAP in the Company&#8217;s audited balance sheet as of December 31, 2019 and (ii) liabilities that
      have arisen in the ordinary and usual course of business and consistent with past practice since December 31, 2019 and that have not or would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Mortgage Lending</u></font>.&#160; The Company and each of the Company Subsidiaries have complied in all material respects with, and all documentation in
      connection with the origination, processing, underwriting and credit approval of any mortgage loan originated, purchased or serviced by the Company or any Company Subsidiary has satisfied, in all material respects (i) all Laws with respect to the
      origination, insuring, purchase, sale, servicing, or filing of claims in connection with mortgage loans, including all Laws relating to real estate settlement procedures, consumer credit protection, truth in lending laws, usury limitations, fair
      housing, transfers of servicing, collection practices, equal credit opportunity and adjustable rate mortgages, (ii) the responsibilities and obligations relating to mortgage loans set forth in any agreement between the Company and any Agency, Loan
      Investor or Insurer, (iii) the applicable rules, regulations, guidelines, handbooks and other requirements of any Agency, Loan Investor or Insurer and (iv) the terms and provisions of any mortgage or other collateral documents and other loan
      documents with respect to each mortgage loan.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(m)&#160; &#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Bank Secrecy Act; Anti-Money Laundering; OFAC; and Customer Information</u></font>.&#160; The Company is not aware of, has not been advised of, and, to the
      Knowledge of the Company, has no reason to believe that any facts or circumstances exist that would cause it or any Company Subsidiary to be deemed to be not operating in compliance, in all material respects, with the Bank Secrecy Act of 1970, as
      amended, the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (also known as the USA PATRIOT Act), any order or regulation issued by the Treasury&#8217;s Office of Foreign Assets
      Control (&#8220;<font style="font-weight: bold;"><u>OFAC</u></font>&#8221;), or any other applicable anti-money laundering or anti-terrorist-financing statute, rule or regulation.&#160; The Company is not aware of any facts or circumstances that would cause it to
      believe that any nonpublic customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause it to undertake any material remedial action.&#160; The Company and each of the Company Subsidiaries have adopted
      and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material
      respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and they have complied in all respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations
      thereunder.&#160; The Company will not directly or indirectly use the proceeds of the sale of the Common Stock pursuant to transactions contemplated by this Agreement, or lend, contribute or otherwise make available such proceeds to any Company
      Subsidiary, joint venture partner or other Person, towards any sales or operations in any country appearing on the OFAC Specially Designated Nationals List (&#8220;<font style="font-weight: bold;"><u>SDN List</u></font>&#8221;) or for the purpose of financing
      the activities of any Person currently appearing on the SDN List.</div>
    <div>&#160;</div>
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      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">12</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Certain Payments</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries, nor any directors, officers, nor to the Knowledge of the
      Company, employees or any Affiliates of the Company or the Company Subsidiaries or any other Person who to the Knowledge of the Company is associated with or acting on behalf of the Company or any of the Company Subsidiaries has directly or
      indirectly (i) made any contribution, gift, bribe, rebate, payoff, influence payment, kickback, or other payment in material violation of any Law, including the U.S. Foreign Corrupt Practices Act of 1977, as amended, and any applicable anti-bribery
      or anti-corruption laws, to any Person, private or public, regardless of form, whether in money, property, or services (A) to obtain favorable treatment in securing business for the Company or any of the Company Subsidiaries, (B) to pay for favorable
      treatment for business secured by the Company or any of the Company Subsidiaries, or (C) to obtain special concessions or for special concessions already obtained, for or in respect of the Company or any of the Company Subsidiaries or (ii)
      established or maintained any fund or asset with respect to the Company or any of the Company Subsidiaries that was required by Law or GAAP to have been recorded and was not recorded in the books and records of the Company or any of the Company
      Subsidiaries.&#160; <font style="color: rgb(0, 0, 0);">Neither the Company nor any Company Subsidiaries has conducted any internal investigation, made any voluntary, directed, or involuntary disclosure to any Governmental Entity, or received any audit
        report, written communication from a Governmental Entity, or whistleblower or other written complaint, involving alleged violations in any material respect of </font>the U.S. Foreign Corrupt Practices Act of 1977, as amended, and any applicable
      anti-bribery or anti-corruption laws <font style="color: rgb(0, 0, 0);">on the part of the Company, any of the Company Subsidiaries, or any Person acting on behalf of the Company or any of the Company Subsidiaries.</font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u></u><font style="font-weight: bold;"><u>Absence of Certain Changes</u></font>.&#160; Since December 31, 2019 and except as Previously Disclosed or as required or contemplated by the terms
      of this Agreement, (i) the Company and the Company Subsidiaries have conducted their respective businesses in all material respects in the ordinary and usual course of business consistent with past practices, (ii) through (and including) the date of
      this Agreement, no fact, event, change, condition, development, circumstance or effect has occurred that has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and (iii) no material default (or
      event which, with notice or lapse of time, or both, would constitute a material default) exists on the part of the Company or any Company Subsidiary in the due performance and observance of any term, covenant or condition of any agreement to which
      the Company or any Company Subsidiary is a party and which would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">13</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Compliance with Laws</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company, each Company Subsidiary and each of their officers, agents, representatives and employees possesses, holds and have all material permits, licenses, franchises,
      authorizations, orders, consents, registrations, accreditations and approvals of, and have made all filings, applications and registrations with, Governmental Entities that are required in order to permit the Company and each Company Subsidiary to
      own or lease their properties and assets and to carry on their business as presently conducted and that are material to the business of the Company and each Company Subsidiary (collectively, the &#8220;<font style="font-weight: bold;"><u>Governmental
          Authorizations</u></font>&#8221;).&#160; The Company and the Company Subsidiaries, and to the Company&#8217;s Knowledge, their respective officers, agents, representatives and employees, are not in default under any of such Governmental Authorizations, which
      default(s) would be, or be reasonably expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; The Company and each Company Subsidiary have complied with and (A) are not, and since
      December 31, 2017, have not been, in default or violation in any respect of, (B) are not under investigation with respect to, and (C) have not been threatened to be charged with or given notice of any material violation of, any applicable material
      domestic (federal, state or local) or foreign law, statute, ordinance, license, rule, regulation, policy or guideline, order, demand, writ, injunction, decree or judgment of any Governmental Entity (each, a &#8220;<font style="font-weight: bold;"><u>Law</u></font>&#8221;),



      other than such noncompliance, defaults or violations as would not reasonably be expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; No Governmental Entity has placed any
      material restriction on the business or properties of the Company or any of the Company Subsidiaries.&#160; As of the date hereof, the Bank has a Community Reinvestment Act rating of &#8220;outstanding.&#8221;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160; &#160; &#160; Except for normal examinations conducted by a Governmental Entity in the ordinary course of business of the Company and the Company Subsidiaries, (A) no Governmental Entity has initiated
      or has pending any proceeding or, to the Knowledge of the Company, investigation into the business or operations of the Company or any of the Company Subsidiaries since December 31, 2017, (B) there is no unresolved violation or exception by any
      Governmental Entity with respect to any report or statement relating to any examinations or inspections of the Company or any of the Company Subsidiaries, and (C) there have been no formal or informal inquiries by, or disagreements or disputes with,
      any Governmental Entity with respect to the business, operations, policies or procedures of the Company or any of the Company Subsidiaries since December 31, 2017, in each case of clauses (A) through (C), which would reasonably be expected,
      individually or in the aggregate, to be material to the Company and the Company Subsidiaries (taken as a whole).</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries are not, and since December 31, 2017, have not been, in violation or default of any provisions of their respective certification of incorporation
      or bylaws (or similar governing documents).</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Adequate Capitalization</u></font>.&#160; As of September 30, 2020, the Bank met or exceeded the standards necessary to be considered &#8220;adequately
      capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.&#160; As of the Closing and after giving effect to this Agreement, the transactions contemplated hereby and the Concurrent Transactions, the Bank meets or exceeds the
      standards necessary to be considered &#8220;adequately capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Agreements with Regulatory Agencies</u></font>.&#160; The Company and the Company Subsidiaries (A) are not subject to any cease-and-desist or other similar
      order or enforcement action issued by, (B) are not a party to any written agreement, consent agreement or memorandum of understanding with, (C) are not a party to any commitment letter or similar undertaking to, and (D) are not subject to any capital
      directive by, and since December 31, 2019, neither the Company nor any of the Company Subsidiaries has adopted any board resolutions at the request of any Governmental Entity that currently restricts in any material respect the conduct of its
      business or that in any material manner relates to its capital adequacy, its liquidity and funding policies and practices, its ability to pay dividends, its credit, risk management or compliance policies, its internal controls, its management or its
      operations or business, nor has the Company nor any of the Company Subsidiaries been advised since December 31, 2019 by any Governmental Entity that it is considering issuing, initiating, ordering, or requesting any of the same.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">14</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Insurance</u></font>.&#160; The Company and each of the Company Subsidiaries are presently insured, and have been insured for at least the past two years,
      for reasonable amounts with financially sound and reputable insurance companies against such risks as companies engaged in a similar business would, in accordance with good business practice, customarily be insured.&#160; All of the policies, bonds and
      other arrangements providing for the foregoing (the &#8220;<font style="font-weight: bold;"><u>Company Insurance Policies</u></font>&#8221;) are in full force and effect, the premiums due and payable thereon have been or will be timely paid through the Closing
      Date, and there is no material breach or default (and no condition exists or event has occurred that, with the giving of notice or lapse of time or both, would constitute such a material breach or default) by the Company or any of the Company
      Subsidiaries under any of the Company Insurance Policies or, to the Knowledge of the Company, by any other party to the Company Insurance Policies.&#160; Neither the Company nor any of the Company Subsidiaries has received any written notice of
      cancellation or non-renewal of any Company Insurance Policy nor, to the Knowledge of the Company, is the termination of any such policies threatened in writing by the insurer, and there is no material claim for coverage by the Company, or any of the
      Company Subsidiaries, pending under any of such Company Insurance Policies as to which coverage has been denied or disputed by the underwriters of such Company Insurance Policies or in respect of which such underwriters have reserved their rights.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Title</u></font>.&#160; The Company and the Company Subsidiaries have good and marketable title in fee simple to all real property owned by them and good
      and valid title to all material personal property owned by them, in each case free and clear of all Liens, except for Liens which do not materially affect the value of such property or do not interfere with the use made and proposed to be made of
      such property by the Company or any Company Subsidiary.&#160; Any real property and facilities held under lease by the Company or the Company Subsidiaries are leased pursuant to valid, subsisting and enforceable leases with such exceptions that are not
      material and do not interfere with the use made and proposed to be made of such property and facilities by the Company or the Company Subsidiaries.</div>
    <div>&#160;</div>
    <div style="color: rgb(0, 0, 0); font-size: 12pt; text-indent: 72pt;"><a name="z_Toc334353686"></a><a name="z_Ref210137921"></a><font style="font-size: 10pt;">(u)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Intellectual


            Property</u><font style="font-weight: normal;">.</font></font> The Company and the Company Subsidiaries own or possess adequate rights or licenses to use all trademarks, service marks and all applications and registrations therefor, trade
        names, patents, patent rights, copyrights, original works of authorship, inventions, trade secrets and other intellectual property rights (collectively, &#8220;<font style="font-weight: bold;"><u>Intellectual Property Rights</u></font>&#8221;) used in their
        businesses as conducted on the date of this Agreement, except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.&#160; To the Knowledge of the Company, no product or service of the Company or the
        Company Subsidiaries infringes the Intellectual Property Rights of others.</font></div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">15</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    </div>
    <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Employee Benefits</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 2.2(v) of the Disclosure Schedule sets forth a correct and complete list of each &#8220;<u>employee benefit plan</u>&#8221; (within the meaning of Section 3(3) of the Employee Retirement
      Income Security Act of 1974, as amended (&#8220;<font style="font-weight: bold;"><u>ERISA</u></font>&#8221;), including, without limitation, multiemployer plans within the meaning of Section 3(37) of ERISA), and all stock purchase, stock option, severance,
      employment, change-in-control, fringe benefit, bonus, incentive, deferred compensation and all other employee benefit plans, agreements, programs, policies or other arrangements, whether or not subject to ERISA (including any funding mechanism
      therefor now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (A) any current or former employee or director of the Company or
      any of the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company Employees</u></font>&#8221;) has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or any of the Company
      Subsidiaries or (B) the Company or any Company Subsidiary has had or has any present or future liability. All such plans, agreements, programs, policies and arrangements are collectively referred herein to as the &#8220;<font style="font-weight: bold;"><u>Benefit


          Plans</u></font>.&#8221;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160; (A) Each Benefit Plan has been established and administered in all material respects in accordance with its terms, and in compliance with the applicable provisions of ERISA, the Code and
      other Laws&#894; (B) no &#8220;reportable event&#8221; (as such term is defined in Section 4043 of ERISA) that could reasonably be expected to result in material liability has occurred with respect to any Benefit Plan, and (C) no non-exempt &#8220;prohibited transaction&#8221;
      (as such term is defined in Section 406 of ERISA and Section 4975 of the Code) has been engaged in by the Company or any Company Subsidiary with respect to any Benefit Plan that has or is expected to result in any material liability or &#8220;accumulated
      funding deficiency&#8221; (as such term is defined in Section 302 of ERISA and Section 412 of the Code (whether or not waived)).</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries will be in compliance, as of the Closing Date, with Sections 111 and 302 of the Emergency Economic Stabilization Act of 2008, as amended by the
      U.S. American Recovery and Reinvestment Act of 2009, including all guidance issued thereunder by a Governmental Entity (collectively &#8220;<font style="font-weight: bold;"><u>EESA</u></font>&#8221;).</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160;&#160; None of the Company or any Company Subsidiary or any trade or business, whether or not incorporated (an &#8220;<font style="font-weight: bold;"><u>ERISA Affiliate</u></font>&#8221;), all of which
      together with the Company or any Company Subsidiary would be deemed a &#8220;single employer&#8221; within the meaning of Section 4001 of ERISA, has, at any time during the last six years, contributed to or been obligated to contribute to any plan that is (i)
      subject to Title IV or Section 302 of ERISA or Section 412 or 4971 of the Code or (ii) a &#8220;multiemployer plan&#8221; within the meaning of Section 4001(a)(3) of ERISA (a &#8220;<font style="font-weight: bold;"><u>Multiemployer Plan</u></font>&#8221;) or a plan that has
      two or more contributing sponsors at least two of whom are not under common control, within the meaning of Section 4063 of ERISA; and none of Company and the Company Subsidiaries nor any of their respective ERISA Affiliates has incurred any liability
      to a Multiemployer Plan as a result of a complete or partial withdrawal from such Multiemployer Plan, as those terms are defined in Part I of Subtitle E of Title IV of ERISA.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160; &#160;&#160; &#160;&#160; Neither the Company nor any Company Subsidiary has any material unfunded liabilities existing under or in connection with any Benefit Plan, and each such Benefit Plan has been
      established and administered in all respects in accordance with its terms, and in compliance with applicable law, except where failure to be in compliance would not reasonably be expected to result in, individually or in the aggregate, a Material
      Adverse Effect.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">16</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    </div>
    <div style="text-align: justify; text-indent: 108pt;">(vi)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution of this Agreement nor the consummation of the transactions contemplated hereby could (either alone or in conjunction with any other event) reasonably be expected to
      result in, cause the accelerated vesting, funding or delivery of, or increase the amount or value of, any payment or benefit to any employee, officer or director of the Company or any Company Subsidiary.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Taxes</u></font>.&#160; All material Tax Returns required to be filed by, or on behalf of, the Company or the Company Subsidiaries have been timely filed,
      or will be timely filed, in accordance with all Laws, and all such Tax Returns are, or will be at the time of filing, complete and correct in all material respects.&#160; The Company and the Company Subsidiaries have timely paid all material Taxes due and
      payable (whether or not shown on such Tax Returns), or, where payment is not yet due, have made adequate financial statement provisions therefor in accordance with GAAP.&#160; There are no Liens with respect to Taxes upon any of the assets or properties
      of either the Company or the Company Subsidiaries other than with respect to Taxes not yet due and payable.&#160; As of the date of this Agreement, there are not pending or threatened in writing, any audits, examinations, investigations or other
      proceedings initiated by the Internal Revenue Service in respect of U.S. federal income tax matters.&#160; None of the Company or any of the Company Subsidiaries has been a &#8220;controlled corporation&#8221; or a &#8220;distributing corporation&#8221; in any distribution
      occurring during the two-year period ending on the date hereof that was purported or intended to be governed by Section 355 of the Code (or any similar provision of state, local or foreign Law).&#160; The Company and each Company Subsidiary is, and has
      been since the date of its formation, a corporation for U.S. federal income tax purposes, and neither the Company nor any Company Subsidiary has elected pursuant to the Code to be treated as a Subchapter S corporation pursuant to Section 1362(a) of
      the Code, nor has it made any other elections pursuant to the Code (other than elections that relate solely to methods of accounting, depreciation or amortization) that would have, or be <font style="color: rgb(0, 0, 0);">reasonably expected to
        result in, </font>individually or in the aggregate, <font style="color: rgb(0, 0, 0);">a Material Adverse Effect.</font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Labor</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160; &#160;&#160; Employees of the Company and the Company Subsidiaries are not represented by any labor union nor are any collective bargaining agreements otherwise in effect with respect to such
      employees.&#160; No labor organization or group of employees of the Company or any Company Subsidiary has made a pending demand for recognition or certification, and there are no representation or certification proceedings or petitions presently pending
      or threatened to be brought or filed with the National Labor Relations Board or any other labor relations tribunal or authority, nor have there been in the last three years.&#160; There are no strikes, work stoppages, slowdowns, labor picketing lockouts,
      material arbitrations or material grievances, or other material labor disputes pending or, to the Knowledge of the Company, threatened against or involving the Company or any Company Subsidiary, nor have there been any in the past year.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">17</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    </div>
    <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, the Company and the Company Subsidiaries are in compliance with all
      federal and state Laws and requirements respecting employment and employment practices, terms and conditions of employment, collective bargaining, disability, immigration, health and safety, wages, hours and benefits, non-discrimination in
      employment, workers&#8217; compensation and the collection and payment of withholding and/or payroll taxes and similar taxes.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160; There is no charge or complaint pending or threatened before any Governmental Entity alleging unlawful discrimination in employment practices, unfair labor practices or other unlawful
      employment practices by the Company or any Company Subsidiary.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160;&#160; To the Knowledge of the Company, since December 31, 2017, (i) no allegations of sexual harassment or misconduct have been made against (A) an officer of the Company or any of the Company
      Subsidiaries, (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000, and (ii)
      neither the Company nor any of the Company Subsidiaries has entered into any settlement agreements related to allegations of sexual harassment or misconduct by (A) an officer of the Company or any of the Company Subsidiaries, (B) a member of the
      board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Except as Previously Disclosed, neither the Company nor any of its officers, directors, employees or agents has
      employed any broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Company in connection with this Agreement or the
      transactions contemplated hereby, the fees of which would be payable by the Investor.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(z)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Offering of Securities</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the Company nor any Person acting on its behalf has taken any action (including any offering of any securities of the Company under circumstances which would require the
      integration of such offering with the offering of any of the Shares to be issued pursuant to this Agreement under the Securities Act and the rules and regulations of the SEC promulgated thereunder) which would subject the offering, issuance or sale
      of any of the Shares to be issued pursuant to this Agreement to be subject to the registration requirements of the Securities Act.&#160; Neither the Company nor any Person acting on its behalf has engaged or will engage in any form of general solicitation
      or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares pursuant to the transactions contemplated by this Agreement.&#160; Assuming the accuracy of the Investor&#8217;s
      representations and warranties set forth in this Agreement, no registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company is not disqualified from relying on Rule 506 of Regulation D (&#8220;<font style="font-weight: bold;">Rule 506</font>&#8221;) under the Securities Act for any of the reasons stated in
      Rule 506(d) (each such reason, a &#8220;<font style="font-weight: bold;">Disqualification Event</font>&#8221;) in connection with the issuance and sale of the Shares to the Investor.&#160; The Company has furnished the Investor, a reasonable time prior to the date
      hereof, a description in writing of any matters that would have triggered disqualification under Rule 506(d) but which occurred before September 23, 2013, in each case, in compliance with the disclosure requirements of Rule 506(e).</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">18</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    </div>
    <div style="text-align: justify; text-indent: 72pt;">(aa) &#160; &#160;&#160; <font style="font-weight: bold;"><u>Affiliate Transactions</u></font>.&#160; No officer, director, five percent (5%) stockholder or other Affiliate of the Company (or any Company Subsidiary),
      or any individual who, to the Knowledge of the Company, is related by marriage or adoption to or shares the same home as any such Person, or any entity which, to the Knowledge of the Company, is controlled by any such Person (collectively, an &#8220;<font style="font-weight: bold;"><u>Insider</u></font>&#8221;), is a party to any contract or transaction with the Company (or any Company Subsidiary) which pertains to the business of the Company (or any Company Subsidiary) or has any interest in any
      property, real or personal or mixed, tangible or intangible, used in or pertaining to the business of the Company or any Company Subsidiary.&#160; The foregoing representation and warranty does not include deposit accounts of an Insider at the Company or
      any Company Subsidiary or loans of $250,000 or less made in the ordinary course of business to Insiders in compliance with Regulation O and other applicable Law.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(bb)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Private Placement</u></font>.&#160; Assuming the accuracy of the Investor&#8217;s representations and warranties set forth in Section 2.3 of this Agreement, no
      registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.&#160; Assuming the Stockholder Approval is obtained (if required), the issuance and sale of the Shares hereunder does not contravene the
      rules and regulations of the Nasdaq Stock Market.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(cc)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Listing and Maintenance Requirements</u></font>.&#160; The Company&#8217;s Voting Common Stock is (and at the Closing, the Class A Common Stock will be)
      registered pursuant to Section 12(b) of the Exchange Act, and the Company has taken no action designed to terminate the registration of the Voting Common Stock under the Exchange Act nor has the Company received any notification that the SEC is
      contemplating terminating such registration.&#160; The Company has not, in the 12 months preceding the date hereof, received written notice from the Nasdaq Stock Market to the effect that the Company is not in compliance with the listing or maintenance
      requirements of the Nasdaq Stock Market.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(dd)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Investment Company</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries is required to be registered as, and is not an Affiliate of,
      and immediately following the Closing will not be required to register as, an &#8220;investment company&#8221; within the meaning of the Investment Company Act of 1940, as amended.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(ee)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Acknowledgment Regarding the Investor&#8217;s Purchase of Shares</u></font>.&#160; The Company acknowledges and agrees that the Investor is acting solely in the
      capacity of an arm&#8217;s length purchaser with respect to this Agreement and the transactions contemplated hereby.&#160; The Company further acknowledges that the Investor is not acting as a financial advisor or fiduciary of the Company (or in any similar
      capacity) with respect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions and any advice given by the Investor or any of its representatives or agents in connection with this Agreement, the transactions
      contemplated hereby and the Concurrent Other Transactions is merely incidental to Investor&#8217;s purchase of the Shares.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(ff)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No General Solicitation or General Advertising</u></font>.&#160; Neither the Company nor any person acting on its behalf has engaged or will engage in any
      form of general solicitation or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">19</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    </div>
    <div style="text-align: justify; text-indent: 72pt;">(gg)&#160; &#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Shell Company Status</u></font>.&#160; The Company is not, and has never been, an issuer identified in Rule 144(i)(1) under the Securities Act.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(hh)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Valid Issuance of Shares</u></font><font style="font-weight: normal;">.</font>&#160; The Shares sold and delivered in accordance with the terms hereof for
      the consideration expressed herein will be duly and validly issued, fully paid and nonassessable and free of restrictions on transfer other than restrictions on transfer under applicable state and federal securities laws.&#160; Assuming the accuracy of
      the representations and warranties of the Investor set forth in Section 2.3, the Shares will be issued in compliance with all applicable federal and state securities laws.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655909"></a><a name="z_Toc55380684"></a><a name="z_Toc56510580"></a><a name="z_Toc57018171"></a><font style="font-weight: bold;">2.3</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations


          and Warranties of the Investo<font style="font-weight: bold;">r</font></u></font><font style="font-weight: normal;">.</font> Except as Previously Disclosed, the Investor hereby represents and warrants to the Company, as of the date hereof and as
      of the Closing Date (except for the representations and warranties that are as of a specific date which are made as of that date) that:</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; The Investor is duly organized, validly existing and in good standing under the laws of the jurisdiction of
      its organization, is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of property or the conduct of its business requires it to be so qualified and where failure to be so qualified would be
      reasonably expected to materially and adversely impair or delay its ability to perform its obligations under this Agreement or to consummate the transactions contemplated hereby.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>. </div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160; The Investor has the necessary power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The execution, delivery and performance of this
      Agreement and the consummation of the transactions contemplated hereby have been duly authorized by its board of directors, general partner or managing members, investment committee, investment adviser or other authorized person, as the case may be,
      and no further approval or authorization by any of its stockholders, partners or other equity owners, as the case may be, is required.&#160; This Agreement has been duly and validly executed and delivered by the Investor and, assuming due authorization,
      execution and delivery by the Company is the valid and binding obligation of the Investor enforceable against the Investor in accordance with its terms (except as enforcement may be limited by applicable bankruptcy, insolvency, reorganization,
      moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">20</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    </div>
    <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution, delivery and performance by the Investor of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Investor with any of
      the provisions hereof, will (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would constitute a default) under, or result in the termination of,
      or accelerate the performance required by, or result in a right of termination or acceleration of, or result in the creation of any Liens upon any of the properties or assets of the Investor under any of the terms, conditions or provisions of (1) its
      articles of incorporation or bylaws, its certificate of limited partnership or partnership agreement or its similar governing documents or (2) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or
      obligation to which the Investor is a party or by which the Investor may be bound, or to which the Investor or any of the properties or assets of the Investor may be subject, or (B) violate any Law applicable to the Investor or any of its properties
      or assets, except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to materially adversely affect the Investor&#8217;s ability to perform its obligations under this Agreement or
      consummate the transactions contemplated hereby on a timely basis.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
      delivery of this Agreement or for the purchase by the Investor of the Shares pursuant to this Agreement.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Purchase for Investment&#894; Accredited Investor Status; Pre-Existing Relationship</u></font>.&#160; The Investor acknowledges that the Shares to be purchased
      by the Investor pursuant to this Agreement have not been registered under the Securities Act or under any state securities laws and may not be resold or transferred by the Investor without such registration or appropriate reliance on any available
      exemption from such requirements.&#160; The Investor (i) is acquiring the Shares pursuant to an exemption from the registration requirements of the Securities Act and other applicable securities laws solely for investment with no present intention to
      distribute any of the Shares to any Person, (ii) will not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other applicable securities laws,
      (iii) has such knowledge and experience in financial and business matters and in investments of this type that it is capable of evaluating the merits and risks of its investment in the Shares and of making an informed investment decision and (iv) is
      an &#8220;accredited investor&#8221; (as that term is defined by Rule 501 under the Securities Act), (vi) is aware that the Company has entered into the Merger Agreement pursuant to which it is required to file with the SEC a Registration Statement on Form S-4
      (the &#8220;<font style="font-weight: bold;"><u>Registration Statement</u></font>&#8221;), and (vi) began discussions regarding the potential for the Investment by this Agreement with representatives of the Company before the Registration Statement was filed
      with the SEC and Investor&#8217;s purchase of the Shares was not solicited by the Registration Statement or any other filing made by the Company with the SEC.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Neither the Investor, nor its Affiliates nor any of their respective officers or directors, has employed any broker
      or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Investor in connection with this Agreement or the transactions
      contemplated hereby.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Access to Information</u></font>.&#160; The Investor acknowledges that it has been afforded (i) the opportunity to ask such questions as it has deemed
      necessary of, and to receive answers from, representatives of the Company concerning the terms and conditions of the offering of the Shares and the merits and risks of investing in the Shares; (ii) access to information about the Company and the
      Company Subsidiaries and their respective financial condition, results of operations, business, properties, management and prospects sufficient to enable it to evaluate its investment; (iii) the opportunity to obtain such additional information that
      the Company possesses or can acquire without unreasonable effort or expense that is necessary to make an informed investment decision with respect to the Investment; and (iv) the opportunity to ask questions of management of the Company.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">21</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Reliance</u></font>.&#160; The Investor has not relied on any representation or warranty made by any Person by or on behalf of the Company, including,
      without limitation, the Placement Agents, in connection with the Investment other than those contained in this Agreement.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Placement Agents</u></font>.&#160; The Investor acknowledges that the Placement Agents have not performed any due diligence review on behalf of the
      Investor.&#160; Furthermore, the Investor will purchase the Shares directly from the Company and not from the Placement Agents and understands that neither the Placement Agents nor any other broker or dealer has any obligation to make a market in the
      Common Stock.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Accuracy of Representations</u></font>.&#160; The Investor understands that each of the Placement Agents and the Company will rely upon the truth and
      accuracy of the foregoing representations, acknowledgements and agreements in connection with the transactions contemplated by this Agreement and agrees that if any of the representations or acknowledgements set forth in Sections 2.3(d) or 2.3(f) are
      no longer accurate as of the Closing Date, or if any of the agreements made by it are breached on or prior to the Closing Date, it shall promptly notify the Placement Agents and the Company.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;">ARTICLE 3.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655910"></a><a name="z_Toc55380685"></a><a name="z_Toc56510581"></a><a name="z_Toc57018172"></a>COVENANTS</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655911"></a><a name="z_Toc55380686"></a><a name="z_Toc56510582"></a><a name="z_Toc57018173"></a><font style="font-weight: bold;">3.1</font>&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Conduct


          of Business Prior to Closing</u><font style="font-weight: normal;">.</font></font> Except as otherwise expressly required or contemplated by this Agreement or applicable Law, or with the prior written consent of the Investor, between the date of
      this Agreement and the Closing, the Company shall, and the Company shall cause each Company Subsidiary to:</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; use commercially reasonable efforts to conduct its business only in the ordinary course of business consistent with past practice; and</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; use commercially reasonable efforts to (i) preserve the present business operations, organization (including officers and employees) and goodwill of the Company and any Company Subsidiary
      and (ii) preserve business relationships with customers, suppliers, consultants and others having business dealings with the Company; provided, however, that nothing in this clause (b) shall place any limit on the ability of the Board of Directors to
      act in accordance with, or require any actions that the Board of Directors may, in good faith, determine to be inconsistent with, its duties or the Company&#8217;s obligations under applicable Law or imposed by any Governmental Entity.</div>
    <div>&#160;</div>
    <div style="text-indent: 72pt;"><a name="z_Toc55380687"></a><a name="z_Toc56510583"></a><a name="z_Toc57018174"></a><a name="z_Hlk54711438"></a><font style="font-weight: bold;">3.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Use of Proceeds</u></font><font style="font-weight: bold;">.</font> The proceeds received by the Company from the sale of the Shares contemplated hereunder (net of any applicable costs and expenses) will be used in a manner consistent in all material respects with the capital
      deployment plan provided by the Company to the Investor prior to the execution of this Agreement.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">22</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-indent: 72pt;"><font style="font-weight: bold;">3.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Regulatory Filings</u><font style="font-weight: normal;">.</font></font> The Company shall make all filings pursuant to any
      applicable state securities laws and Regulation D of the Securities Act that are required to be made in connection with the Closing.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655912"></a><a name="z_Toc55380689"></a><a name="z_Toc56510585"></a><a name="z_Toc57018176"></a><a name="z_Hlk64271178"></a><font style="font-weight: bold;">3.4</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Confidentiality</u></font><font style="font-weight: normal;">.</font> The Investor acknowledges that the information being provided to it in connection with the transactions contemplated hereby includes confidential
      information that has not been publicly disclosed and agrees to maintain the confidentiality of the information with the same degree of care that it uses to protect its own confidential information. Notwithstanding the foregoing, the Investor and its
      Affiliates shall not be prohibited from disclosing, with reasonable prior notice to the Company to the extent permitted under applicable Law, such confidential information to any governmental agency, regulatory authority or self-regulatory authority
      with authority to regulate or oversee any aspect of its or its affiliates&#8217; business, including (without limitation) bank and securities examiners, in the course of routine inspections, examinations or inquiries thereby and in such case, the Investor
      will request confidential treatment of any such information that it discloses.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655913"></a><a name="z_Toc55380690"></a><a name="z_Toc56510586"></a><a name="z_Toc57018177"></a><font style="font-weight: bold;">3.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Publicity</u><font style="font-weight: normal;">.</font></font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company shall not publicly disclose the financial or other terms of the transactions contemplated hereby or the name of any Investor or any Affiliate or investment adviser of any
      Investor, or include the name of any Investor or any Affiliate or investment adviser of any Investor in any press release or filing with the SEC or the Nasdaq Stock Market and shall not use any names, trademarks, service marks or trade names of the
      Investor or its Affiliates in any form of advertising and publicity or public statements, without the prior written consent of such Investor, except (i) as required by federal securities Law in connection with the filing of final transaction
      documents with the SEC or (ii) to the extent such disclosure is required by applicable Law, at the request of the staff of the SEC or at the request of the Nasdaq Stock Market regulations, in which case the Company shall provide each such Investor
      with prior written notice of such disclosure and the form of such disclosure shall be subject to the approval of such Investor, such approval not to be unreasonably withheld or delayed.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160; Following the Company&#8217;s public disclosure of the consummation of the transactions contemplated hereby and until such time as the Investor ceases to hold any of the Shares, the Company
      hereby grants a non-exclusive, non-transferrable, royalty-free license from the Company to the Investor to use, display and publish the Company&#8217;s name or logo (the &#8220;<font style="font-weight: bold;"><u>Marks</u></font>&#8221;) on the Investor&#8217;s website
      together with a statement indicating that the Investor has invested in the Company and shall be accompanied by the following description of the Company: &#8220;a bank lender focusing on multi-family residential and commercial real estate loans and other
      investments in financially underserved urban areas.&#8221; Nothing contained in this Agreement will give the Investor or any of its subsidiaries any right, title or interest in or to the Marks or the goodwill associated therewith, except for limited usage
      rights expressly provided above. The Investor acknowledges and agrees that, as between the Company and the Investor and its subsidiaries, the Company is the sole owner of all rights in and to the Marks.</div>
    <div>&#160;</div>
    <div><font style="font-weight: bold;"><a name="z_Toc53655914"></a></font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">23</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">3.6</font>&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Commercially Reasonable Effort<font style="font-weight: bold;">s</font></u></font><font style="font-weight: normal;">.</font> Upon the terms and subject to the conditions herein provided, except as otherwise provided in this Agreement, each of the Parties hereto agrees to use its commercially reasonable efforts to take or cause to be taken all action, to
      do or cause to be done and to assist and cooperate with the other Party in doing all things necessary, proper or advisable under applicable Laws to consummate and make effective the transactions contemplated hereby, including but not limited to: (a)
      the satisfaction of the conditions precedent to the obligations of the Parties; (b) the obtaining of applicable Governmental Consents, and consents, waivers and approvals of any other third parties; (c) defending of any claim, action, suit,
      investigation or proceeding, whether judicial or administrative, challenging this Agreement or the performance of the obligations hereunder; and (d) the execution and delivery of such instruments, and the taking of such other actions as the other
      Party may reasonably request in order to carry out the intent of this Agreement.&#160; Notwithstanding the foregoing, under no circumstances will the Investor be required to disclose to the Company, the Company Subsidiaries or any third party any
      information the disclosure of which is prohibited by Law, nor shall it be required to agree to any restrictions, conditions or commitments imposed or otherwise required by any Government Entity that are determined by the Investor in its sole
      discretion to be unduly burdensome, other than customary passivity commitments, in order to consummate and make effective the transactions contemplated hereby.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655915"></a><a name="z_Toc55380692"></a><a name="z_Toc56510588"></a><a name="z_Toc57018179"></a><font style="font-weight: bold;">3.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Legend</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160; The Investor agrees that all certificates or other instruments representing the Shares subject to this Agreement shall bear legends substantially to the following effect, until such time as
      they are not required under Section 3.7(b)</div>
    <div>&#160;</div>
    <div style="text-align: justify; margin-right: 36pt; margin-left: 36pt;">&#8220;THE SHARES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR SECURITIES LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED, SOLD
      OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO IS IN EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR SUCH LAWS.&#8221;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref54712182"></a>(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon request of the Investor, the Company shall promptly cause such legends to be removed from any certificate for any Shares to be so transferred if such
      Shares are being transferred pursuant to an exemption from the registration securities requirements of the Securities Act and applicable state Laws, subject to receipt by the Company of an opinion of counsel for the Investor reasonably satisfactory
      to the Company to the effect that such legend is no longer required under the Securities Act and applicable state Laws.&#160; The Investor acknowledges that the sale of the Shares provided for herein has not been registered under the Securities Act or
      under any state securities Laws and agrees that it shall not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other applicable securities
      Laws.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655916"></a><a name="z_Toc55380693"></a><a name="z_Toc56510589"></a><a name="z_Toc57018180"></a><font style="font-weight: bold;">3.8</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exchange


          Listing</u></font><font style="font-weight: normal;">.</font> The Company shall use its reasonable best efforts to cause the Shares to be approved&#160; for listing on the Nasdaq Stock Market as promptly as possible.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;"><a name="z_Toc53655917"></a><a name="z_Toc55380694"></a><a name="z_Toc56510590"></a></font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">24</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">3.9</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorized Share<font style="font-weight: bold;">s</font></u></font><font style="font-weight: normal;">.</font>
      The Company will at all times reserve, free of any preemptive or similar rights of stockholders of the Company, a number of unissued shares of Class A Common Stock, sufficient to convert automatically, in accordance with the terms of the certificate
      of incorporation of the Company, all of the shares of Class C Common Stock then outstanding.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655918"></a><a name="z_Toc55380695"></a><a name="z_Toc56510591"></a><a name="z_Toc57018182"></a><font style="font-weight: bold;">3.10</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Rule


          144 Reportin<font style="font-weight: bold;">g</font></u></font><font style="font-weight: normal;">.</font> With a view to making available to the Investor the benefits of certain rules and regulations of the SEC which may permit the sale of the
      Shares by the Investor without registration under the Securities Act upon compliance with the initial holding period and other applicable requirements of Rule 144 under the Securities Act, the Company agrees to use its reasonable best efforts to:</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; make and keep adequate current public information with respect to the Company available, as those terms are understood and defined in Rule 144(c)(1) or any similar or analogous rule
      promulgated under the Securities Act, at all times after the effective date of this Agreement;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; so long as the Investor owns any of the Shares, furnish to the Investor forthwith upon request: (A) a written statement by the Company as to its compliance with the reporting
      requirements of Rule 144 under the Securities Act, and of the Exchange Act; (B) a copy of the most recent annual or quarterly report of the Company; and (C) such other reports and documents as the Investor may reasonably request in availing itself of
      any rule or regulation of the SEC allowing it to sell any of the Shares without registration; and</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; to take such further action as the Investor may reasonably request, all to the extent required from time to time to enable the Investor to sell Shares without registration under the
      Securities Act.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655919"></a><a name="z_Toc55380696"></a><a name="z_Toc57018183"></a><font style="font-weight: bold;">3.11</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exchange Right<font style="font-weight: bold;">s</font></u></font><font style="font-weight: bold;"><font style="font-weight: normal;">.</font> </font>The Investor shall have the right from time to time to exchange any of the shares of Class A Common Stock
      acquired by the Investor hereunder for Class C Common Stock in order to reduce its ownership of voting common stock to less than 4.9% of the then outstanding shares of Class A Common Stock. Any shares of Class C Common Stock received by the Investor
      or any Affiliate of the Investor pursuant to this <u>Section 3.11</u> shall not be convertible by the Investor into shares of Class A Common Stock or any other voting security of the Company, and any such shares shall be subject to the restrictions
      set forth in the provisions of the Company&#8217;s certificate of incorporation relating to the Class C Common Stock.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;">ARTICLE 4.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655920"></a><a name="z_Toc55380697"></a><a name="z_Toc56510592"></a><a name="z_Toc57018184"></a>TERMINATION</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655921"></a><a name="z_Toc55380698"></a><a name="z_Toc56510593"></a><a name="z_Toc57018185"></a><font style="font-weight: bold;">4.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Terminatio<font style="font-weight: bold;">n</font></u></font><font style="font-weight: normal;">.</font> This Agreement may be terminated prior to the Closing:</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by mutual written agreement of the Company and the Investor;</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">25</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; by either Party, upon written notice to the other Party in the event that the Closing does not occur on or before September 1, 2021; <u>provided</u>, <u>however</u>, that the right to
      terminate this Agreement pursuant to this Section 4.1(b) shall not be available to any Party whose failure to fulfill any obligation under this Agreement shall have been the cause of, or shall have resulted in, the failure of the Closing to occur on
      or prior to such date;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by either Party, upon written notice to the other Party, in the event that (i) Stockholder Approval is required under applicable Law or the rules and regulations of the Nasdaq Stock
      Market, but has not been obtained on or prior to the closing date of the Merger or (ii) the Authorized Shares Increase Approval has not been obtained on or prior to the closing date of the Merger;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by the Investor, upon written notice to the Company, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Company in this Agreement, or any
      such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(ii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date that
      would otherwise be the Closing Date in the absence of such breach or condition; provided that this Section 4.1(d) shall only apply if the Investor is not in material breach of any of the terms of this Agreement;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by the Company, upon written notice to the Investor, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Investor in this Agreement, or any
      such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(iii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date that
      would otherwise be the Closing Date in absence of such breach or condition; provided that this Section 4.1(e) shall only apply if the Company is not in material breach of any of the terms of this Agreement; or</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160; &#160;&#160; by any Party, upon written notice to the other Party, in the event that any Governmental Entity shall have issued any order, decree or injunction or taken any other action restraining,
      enjoining or prohibiting any of the transactions contemplated by this Agreement, and such order, decree, injunction or other action shall have become final and non-appealable.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655922"></a><a name="z_Toc55380699"></a><a name="z_Toc56510594"></a><a name="z_Toc57018186"></a><font style="font-weight: bold;">4.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Effects


          of Terminatio<font style="font-weight: bold;">n</font></u></font><font style="font-weight: normal;">.</font> In the event of any termination of this Agreement as provided in Section 4.1, this Agreement (other than Section 3.4, this Article 4 and
      Article 6 of this Agreement, which shall remain in full force and effect) shall forthwith become wholly void and of no further force and effect; provided, that nothing herein shall relieve any Party from liability for fraud or willful breach of this
      Agreement.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">26</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    </div>
    <div style="text-align: center; font-weight: bold;">ARTICLE 5.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655923"></a><a name="z_Toc55380700"></a><a name="z_Toc56510595"></a><a name="z_Toc57018187"></a>INDEMNITY</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655924"></a><a name="z_Toc55380701"></a><a name="z_Toc56510596"></a><a name="z_Toc57018188"></a><font style="font-weight: bold;">5.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification


          by the Company</u><font style="font-weight: normal;">.</font></font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;After the Closing, and subject to Sections 5.1(b), 5.3 and 5.4, the Company shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Investor and its
      Affiliates, and their respective successors and assigns, officers, directors, partners, members and employees, as applicable, (the &#8220;<font style="font-weight: bold;"><u>Investor Indemnified Parties</u></font>&#8221;) against and from, and reimburse any of
      the Investor Indemnified Parties for, all Losses that any of the Investor Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach of any representation or warranty
      made by the Company in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by the Company to perform any of its covenants or agreements contained in this Agreement.&#160; Notwithstanding anything herein to the
      contrary, the obligations of the Company under this Section 5.1(a) shall not be applicable to or inure to the benefit of any transferee of the Common Stock sold pursuant to this Agreement who is not an Affiliate of the Investor.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless any of the Investor Indemnified Parties against, or
      reimburse any of the Investor Indemnified Parties for, any Losses pursuant to Section 5.1(a) (other than Losses arising out of the inaccuracy or breach of any Company Specified Representations) until the aggregate amount of the Investor Indemnified
      Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a) exceeds $100,000 (the &#8220;<font style="font-weight: bold;"><u>Threshold Amount</u></font>&#8221;), upon the
      occurrence of which the Company shall be obligated for all of the Investor Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a).&#160;
      Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless the Investor Indemnified Parties against, or reimburse the Investor Indemnified Parties for, any Losses pursuant to
      Section 5.1(a) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160; For purposes of Section 5.1(a), in determining whether there has been a breach of a representation or warranty, the Parties hereto shall ignore any &#8220;materiality,&#8221; &#8220;Material Adverse Effect&#8221;
      or similar qualifications.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655925"></a><a name="z_Toc55380702"></a><a name="z_Toc56510597"></a><a name="z_Toc57018189"></a><font style="font-weight: bold;">5.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification


          by the Investor</u><font style="font-weight: normal;">.</font></font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53184709"></a><a name="z_Toc53215208"></a></div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;After the Closing, and subject to Sections 5.2(b), 5.3 and 5.4, the Investor shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Company and its
      respective Affiliates and their respective successors and assigns, officers, directors, partners, members, employees, representatives and agents (collectively, the &#8220;<font style="font-weight: bold;"><u>Company Indemnified Parties</u></font>&#8221;) against
      and from, and reimburse any of the Company Indemnified Parties for, all Losses that the Company Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach of any
      representation or warranty made by the Investor in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by such Investor to perform any of its covenants or agreements contained in this Agreement.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">27</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless any of the Company Indemnified Parties against, or
      reimburse any of the Company Indemnified Parties for any Losses pursuant to Section 5.2(a)(1) until the aggregate amount of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally determined to be otherwise
      entitled to indemnification under Section 5.2(a) exceeds the Threshold Amount, upon the occurrence of which the Investor shall be obligated for all of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally
      determined to be otherwise entitled to indemnification under Section 5.2(a)(1).&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless the Company Indemnified Parties
      against, or reimburse the Company Indemnified Parties for, any Losses pursuant to Section 5.2(a)(1) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1 hereof.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;For purposes of Section 5.2(a), in determining whether there has been a breach of a representation or warranty, the Parties shall ignore any &#8220;materiality&#8221; or similar qualifications.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655926"></a><a name="z_Toc55380703"></a><a name="z_Toc56510598"></a><a name="z_Toc57018190"></a><font style="font-weight: bold;">5.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Notification


          of Claims</u><font style="font-weight: normal;">.</font></font></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Any Person that may be entitled to be indemnified under this Article 5 (the &#8220;<font style="font-weight: bold;"><u>Indemnified Party</u></font>&#8221;) shall promptly notify the party or parties
      liable for such indemnification (the &#8220;<font style="font-weight: bold;"><u>Indemnifying Party</u></font>&#8221;) in writing of any claim in respect of which indemnity may be sought hereunder, including any pending or threatened claim or demand by a third
      party that the Indemnified Party has determined has given or could reasonably give rise to a right of indemnification under this Agreement (including a pending or threatened claim or demand asserted by a third party against the Indemnified Party)
      (each, a &#8220;<font style="font-weight: bold;"><u>Third Party Claim</u></font>&#8221;), describing in reasonable detail the facts and circumstances with respect to the subject matter of such claim or demand; provided, however, that the failure to provide such
      notice shall not release the Indemnifying Party from any of its obligations under this Agreement except to the extent that the Indemnifying Party is materially prejudiced by such failure.&#160; The Parties agree that notices for claims in respect of a
      breach of a representation, warranty, covenant or agreement must be delivered prior to the expiration of any applicable survival period specified in Section 6.1 for such representation, warranty, covenant or agreement; provided, that if, prior to
      such applicable date, a Party hereto shall have notified the other Party hereto in accordance with the requirements of this Section 5.3(a) of a claim for indemnification under this Agreement (whether or not formal legal action shall have been
      commenced based upon such claim), such claim shall continue to be subject to indemnification in accordance with this Agreement notwithstanding the passing of such applicable date.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">28</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon receipt of a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) in respect of a Third Party Claim, the Indemnifying Party may, by notice to the
      Indemnified Party delivered within twenty (20) Business Days of the receipt of notice of such Third Party Claim, assume the defense and control of any Third Party Claim, with its own counsel reasonably acceptable to the Indemnified Party and at its
      own expense.&#160; The Indemnified Party shall have the right to employ counsel on its own behalf for, and otherwise participate in the defense of, any such Third Party Claim, but the fees and expenses of its counsel will be at its own expense unless (A)
      the employment of counsel by the Indemnified Party at the Indemnifying Party&#8217;s expense has been authorized in writing by the Indemnifying Party, (B) the Indemnified Party reasonably believes there may be a conflict of interest between the Indemnified
      Party and the Indemnifying Party in the conduct of the defense of such Third Party Claim, (C) the Indemnified Party reasonably believes there are legal defenses available to it that are different from, additional to or inconsistent with those
      available to the Indemnifying Party, or (D) the Indemnifying Party has not in fact employed counsel to assume the defense of such Third Party Claim within a reasonable time after receipt of notice of the commencement of such Third Party Claim, in
      each of which cases the fees and expenses of such Indemnified Party&#8217;s counsel shall be at the expense of the Indemnifying Party; provided, however, that in the event that the Company is required to assume the fees and expenses of such Investor
      Indemnified Party&#8217;s counsel in accordance with the foregoing and such Investor Indemnified Party is similarly situated with any other &#8220;Investor Indemnified Party&#8221; under any of the other stock purchase agreements with respect to any Third Party Claim,
      and does not have any conflict of interest with such Person in the conduct of the defense of such Third Party Claim or have legal defenses available to it that are different from, additional to or inconsistent with those available to such Person,
      such Investor Indemnified Party shall be required to employ the same counsel as such Person and the Company shall be responsible for the fees and expenses of only one such counsel for such Investor Indemnified Party and such other Person or Persons
      (assuming any of clauses (A) through (D) above is satisfied).&#160; The Indemnified Party may take any actions reasonably necessary to defend such Third Party Claim prior to the time that it receives a notice from the Indemnifying Party as contemplated by
      the immediately preceding sentence.&#160; The Indemnified Party shall, and shall cause each of its Affiliates and representatives to, use reasonable best efforts to cooperate with the Indemnifying Party in the defense of any Third Party Claim.&#160; The
      Indemnifying Party shall not, without the prior written consent of the Indemnified Party (which shall not be unreasonably withheld or delayed), consent to a settlement, compromise or discharge of, or the entry of any judgment arising from, any Third
      Party Claim, unless such settlement, compromise, discharge or entry of any judgment does not involve any statement, finding or admission of any fault, culpability, failure to act, violation of Law or admission of any wrongdoing by or on behalf of the
      Indemnified Party, and the Indemnifying Party shall (i) pay or cause to be paid all amounts arising out of such settlement or judgment concurrently with the effectiveness of such settlement or judgment (unless otherwise provided in such judgment),
      (ii) not encumber any of the assets of any Indemnified Party or agree to any restriction or condition that would apply to or materially adversely affect any Indemnified Party or the conduct of any Indemnified Party&#8217;s business and (iii) obtain, as a
      condition of any settlement, compromise, discharge, entry of judgment (if applicable), or other resolution, a complete and unconditional release of each Indemnified Party in form and substance reasonably satisfactory to such Indemnified Party from
      any and all liabilities in respect of such Third Party Claim.&#160; An Indemnified Party shall not settle, compromise or consent to the entry of any judgment with respect to any claim or demand for which it is seeking indemnification from the Indemnifying
      Party or admit to any liability with respect to such claim or demand without the prior written consent of the Indemnifying Party (which consent shall not be unreasonably withheld or delayed); provided, that such consent shall not be required if the
      Indemnifying Party has not fulfilled any material obligations under this Section 5.3(b).</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; In the event any Indemnifying Party receives a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) that does not involve a Third Party Claim, the
      Indemnifying Party shall notify the Indemnified Party within twenty (20) Business Days following its receipt of such notice whether the Indemnifying Party disputes its liability to the Indemnified Party under this Agreement.&#160; The Indemnified Party
      shall reasonably cooperate with and assist the Indemnifying Party in determining the validity of any such claim for indemnity by the Indemnified Party.</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">29</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655927"></a><font style="font-weight: bold;"> 5.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification Paymen<font style="font-weight: bold;">t</font></u></font><font style="font-weight: normal;">.</font> In the event a claim or any Action for indemnification hereunder has been finally determined, the amount of such final determination shall be paid by the Indemnifying Party to the Indemnified Party on demand in
      immediately available funds.&#160; A claim or an Action, and the liability for and amount of damages therefor, shall be deemed to be &#8220;<u>finally determined</u>&#8221; for purposes of this Agreement when the Parties have so determined by mutual agreement or, if
      disputed, when a final non-appealable judicial order has been entered into with respect to such claim or Action.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655928"></a><a name="z_Toc55380705"></a><a name="z_Toc56510600"></a><a name="z_Toc57018192"></a><font style="font-weight: bold;">5.5</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exclusive


          Remed<font style="font-weight: bold;">ies</font></u></font><font style="font-weight: normal;">.</font> Subject to <u>Section 6.14</u>, each Party acknowledges and agrees that following the Closing, the indemnification provisions hereunder shall
      be the sole and exclusive remedies of the Parties for any breach of the representations, warranties or covenants contained in this Agreement.&#160; No investigation of the Company by the Investor, or of the Investor by the Company, whether prior to or
      after the date of this Agreement, shall limit any Indemnified Party&#8217;s exercise of any right hereunder or be deemed to be a waiver of any such right.&#160; The Parties agree that any indemnification payment made pursuant to this Agreement shall be treated
      as an adjustment to the Purchase Price for Tax purposes, unless otherwise required by Law.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;">ARTICLE 6.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655929"></a><a name="z_Toc55380706"></a><a name="z_Toc56510601"></a><a name="z_Toc57018193"></a>MISCELLANEOUS</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655930"></a><a name="z_Toc55380707"></a><a name="z_Toc56510602"></a><a name="z_Toc57018194"></a><font style="font-weight: bold;">6.1</font>&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Surviva<font style="font-weight: bold;">l</font></u></font><font style="font-weight: normal;">.</font>&#160; The representations and warranties of the Parties contained in this Agreement shall survive in full force and effect until the date that is fifteen (15)
      months after the Closing Date (or until final resolution of any claim or action arising from the breach of any such representation and warranty, if notice of such breach was provided prior to the end of such period), at which time they shall
      terminate and no claims shall be made for indemnification under Section 5.1 or Section 5.2, as applicable, for breaches of representations or warranties thereafter, except the Company Specified Representations (other than the representations and
      warranties made in Section 2.2(v), which shall survive until the expiration of the applicable statute of limitations) and the Investor Specified Representations shall survive the Closing indefinitely.&#160; The covenants and agreements set forth in this
      Agreement shall survive until the expiration of any applicable statute of limitations or until performed or no longer operative in accordance with their respective terms.&#160; Notwithstanding the foregoing, the Company Specified Representations shall
      survive for the period of the applicable statute of limitations.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655931"></a><a name="z_Toc55380708"></a><a name="z_Toc56510603"></a><a name="z_Toc57018195"></a><font style="font-weight: bold;">6.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Other


          Definitio<font style="font-weight: bold;">ns</font></u></font><font style="font-weight: normal;">.</font> Wherever required by the context of this Agreement, the singular shall include the plural and vice versa, and the masculine gender shall
      include the feminine and neuter genders and vice versa, and references to any agreement, document or instrument shall be deemed to refer to such agreement, document or instrument as amended, supplemented or modified from time to time.&#160; In addition,
      the following terms shall have the meanings assigned to them below:</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Affiliate</u></font>&#8221; means, with respect to any Person, any Person directly or indirectly controlling, controlled by or under common control
      with, such other Person provided that no security holder of the Company shall be deemed to be an Affiliate of any other security holder or of the Company or any of the Company Subsidiaries solely by reason of any investment in the Company and, for
      purposes of this definition, &#8220;<font style="font-weight: bold;"><u>control</u></font>&#8221; (including, with correlative meanings, the terms &#8220;<font style="font-weight: bold;"><u>controlling</u></font>&#8221;, &#8220;<font style="font-weight: bold;"><u>controlled by</u></font>&#8221;
      and &#8220;<font style="font-weight: bold;"><u>under common control with</u></font>&#8221;) when used with respect to any Person, means the possession, directly or indirectly, of the power to cause the direction of management or policies of such Person, whether
      through the ownership of voting securities, by contract or otherwise;</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">30</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Agency</u></font>&#8221; means the Federal Housing Administration, the Federal Home Loan Mortgage Corporation, the Farmers Home Administration (now
      known as Rural Housing and Community Development Services), the Federal National Mortgage Association, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of Agriculture or any other federal or state
      agency with authority to (i) determine any investment, origination, lending or servicing requirements with regard to mortgage loans originated, purchased or serviced by the Company or (ii) originate, purchase, or service mortgage loans, or otherwise
      promote mortgage lending, including state and local housing finance authorities;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Board of Directors</u></font>&#8221; means the Board of Directors of the Company;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Business Day</u></font>&#8221; means any day except Saturday, Sunday and any day which shall be a legal holiday or a day on which banking
      institutions in the State of New York or in the State of California generally are authorized or required by Law or other governmental actions to close;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Capital Stock</u></font>&#8221; means the capital stock or other applicable type of equity interest in a Person;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Code</u></font>&#8221; means the Internal Revenue Code of 1986, as amended;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Company Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.2(a), <u>Section 2.2(b)</u>,
      Section 2.2(c), Section 2.2(d), Section 2.2(x), Section 2.2(z) and Section 2.2(hh);</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Disclosure Schedule</u></font>&#8221; shall mean a schedule delivered, on or prior to the date of this Agreement, by (i) the Investor to the Company
      and (ii) the Company to the Investor setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express disclosure requirement contained in a provision hereof or as an exception to one or
      more representations or warranties contained in Section 2.2 with respect to the Company, or in Section 2.3 with respect to the Investor, or to one or more covenants contained in Article 3;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>GAAP</u></font>&#8221; means United States generally accepted accounting principles and practices as in effect from time to time;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Governmental Consent</u></font>&#8221; means any notice to, registration, qualification, designation, declaration or filing with, exemption or
      review by, or authorization, order, consent or approval of, any Governmental Entity, or the expiration or termination of any statutory waiting periods;</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">31</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Entity</u></font>&#8221; means any court, administrative agency or commission or other governmental authority or instrumentality, whether
      federal, state, local or foreign, and any applicable industry self-regulatory organization or securities exchange;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Insurer</u></font>&#8221; means a Person who insures or guarantees for the benefit of the mortgagee all or any portion of the risk of loss upon
      borrower default on any of the mortgage loans originated, purchased or serviced by the Bank, including the Federal Housing Administration, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of
      Agriculture and any private mortgage insurer, and providers of hazard, title or other insurance with respect to such mortgage loans or the related collateral;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Investor Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.3(b)(i), Section 2.3(d) and Section
      2.3(f);</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Knowledge</u></font>&#8221; of the Company and words of similar import mean the knowledge of any directors or executive officers of the Company
      listed on the Disclosure Schedule hereto;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Loan Investor</u></font>&#8221; means any Person (including an Agency) having a beneficial interest in any mortgage loan originated, purchased or
      serviced by the Bank or a security backed by or representing an interest in any such mortgage loan;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Losses</u></font>&#8221; means any and all losses, damages, reasonable costs, reasonable expenses (including reasonable attorneys&#8217; fees and
      disbursements), liabilities, settlement payments, awards, judgments, fines, obligations, claims, and deficiencies of any kind, excluding special, consequential, exemplary and punitive damages;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Person</u></font>&#8221; means any individual, firm, corporation, partnership, trust, incorporated or unincorporated association, joint venture,
      joint stock company, limited liability company, Governmental Entity or other entity of any kind, and shall include any successor (by merger or otherwise) of such entity;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160; &#160; &#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Subsidiary</u></font>&#8221; means, with respect to any Person, any corporation, partnership, joint venture, limited liability company or other
      entity (x) of which such Person or a Subsidiary of such Person is a general partner or (y) of which a majority of the voting securities or other voting interests, or a majority of the securities or other interests of which having by their terms
      ordinary voting power to elect a majority of the board of directors or persons performing similar functions with respect to such entity, is directly or indirectly owned by such Person and/or one or more Subsidiaries thereof;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(s)&#160; &#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Tax</u></font>&#8221; or &#8220;<font style="font-weight: bold;"><u>Taxes</u></font>&#8221; means all United States federal, state, local or foreign income,
      profits, estimated, gross receipts, windfall profits, severance, property, intangible property, occupation, production, sales, use, license, excise, emergency excise, franchise, capital gains, capital stock, employment, withholding, transfer, stamp,
      payroll, goods and services, value added, alternative or add-on minimum tax, or any other tax, custom, duty or governmental fee, or other like assessment or charge of any kind whatsoever, together with any interest, penalties, fines, related
      liabilities or additions to tax that may become payable in respect thereof imposed by any Governmental Entity, whether or not disputed;</div>
    <div>&#160;</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">32</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Tax Return</u></font>&#8221; means any return, declaration, report or similar statement required to be filed with respect to any Taxes (including
      any attached schedules), including, without limitation, any information return, claim or refund, amended return and declaration of estimated Tax;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(u)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Voting Securities</u></font>&#8221; means at any time shares of any class of Capital Stock of the Company, including but not limited to Voting
      Common Stock (or, after giving effect to the Merger Transactions, Class A Common Stock), and Voting Debt that are then entitled to vote generally in the election of directors;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the word &#8220;<font style="font-weight: bold;"><u>or</u></font>&#8221; is not exclusive;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the words &#8220;<font style="font-weight: bold;"><u>including</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>includes</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>included</u></font>&#8221;
      and &#8220;<font style="font-weight: bold;"><u>include</u></font>&#8221; are deemed to be followed by the words &#8220;without limitation&#8221;;</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the terms &#8220;<font style="font-weight: bold;"><u>herein</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>hereof</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>hereunder</u></font>&#8221;
      and other words of similar import refer to this Agreement as a whole and not to any particular section, paragraph or subdivision; and</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160; all article, section, paragraph or clause references not attributed to a particular document shall be references to such parts of this Agreement, and all exhibit and schedule references not
      attributed to a particular document shall be references to such exhibits and schedules to this Agreement.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655932"></a><a name="z_Toc55380709"></a><a name="z_Toc56510604"></a><a name="z_Toc57018196"></a><font style="font-weight: bold;">6.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Amendment


          and Waive<font style="font-weight: bold;">rs</font></u></font><font style="font-weight: normal;">.</font> The conditions to each Party&#8217;s obligation to consummate the Closing are for the sole benefit of such Party and may be waived by such Party
      in whole or in part to the extent permitted by Law.&#160; No amendment or waiver of any provision of this Agreement will be effective against any Party unless it is in a writing signed by a duly authorized officer of such Party.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655933"></a><a name="z_Toc55380710"></a><a name="z_Toc56510605"></a><a name="z_Toc57018197"></a><font style="font-weight: bold;">6.4</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Counterparts


          and Facsimil<font style="font-weight: bold;">e</font></u></font><font style="font-weight: normal;">.</font> For the convenience of the Parties, this Agreement may be executed in any number of separate counterparts, each such counterpart being
      deemed to be an original instrument, and all such counterparts will together constitute the same agreement.&#160; Executed signature pages to this Agreement may be delivered by facsimile and such facsimiles shall be deemed as sufficient as if manually
      signed signature pages had been delivered.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655934"></a><a name="z_Toc55380711"></a><a name="z_Toc56510606"></a><a name="z_Toc57018198"></a><font style="font-weight: bold;">6.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governing


          La<font style="font-weight: bold;">w</font></u></font><font style="font-weight: normal;">.</font> This Agreement will be governed by and construed in accordance with the Laws of the State of Delaware applicable to contracts made and to be
      performed entirely within such State.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655935"></a><a name="z_Toc55380712"></a><a name="z_Toc56510607"></a><a name="z_Toc57018199"></a><font style="font-weight: bold;">6.6</font>&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>WAIVER


          OF JURY TRIA<font style="font-weight: bold;">L</font></u></font><font style="font-weight: bold;"><font style="font-weight: normal;">.</font> </font>TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PARTIES EACH HEREBY IRREVOCABLY WAIVES ANY
      RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY RELATING TO THIS AGREEMENT, THE TRANSACTIONS CONTEMPLATED HEREBY WHETHER BASED ON CONTRACT, EQUITY, TORT OR ANY OTHER THEORY.&#160; THIS WAIVER OF RIGHT TO TRIAL BY JURY
      IS GIVEN BY EACH OF THE PARTIES, KNOWINGLY AND VOLUNTARILY WITH THE BENEFIT OF THEIR RESPECTIVE COMPETENT LEGAL COUNSEL.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;"><a name="z_Toc53655936"></a><a name="z_Toc55380713"></a><a name="z_Toc56510608"></a></font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">33</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">6.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Notice<font style="font-weight: bold;">s</font></u></font><font style="font-weight: bold;"><font style="font-weight: normal;">.</font> </font>Any notice, request, instruction or other document to be given hereunder by any Party to the other will be in writing and will be deemed to have been duly given (a) on the date of delivery if
      delivered personally or by telecopy or facsimile, upon confirmation of receipt, (b) on the first Business Day following the date of dispatch if delivered by a recognized next-day courier service, or (c) on the third Business Day following the date of
      mailing if delivered by registered or certified mail, return receipt requested, postage prepaid, provided that any such notice, request, instruction or other document to be given hereunder shall not be deemed to have been duly given unless and until
      it is sent via electronic mail to the recipient thereof.&#160; All notices hereunder shall be delivered as set forth below, or pursuant to such other instructions as may be designated in writing by the Party to receive such notice.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;If to the Investor, to the address set forth on the Investor&#8217;s signature page to this Agreement.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;If to the Company:</div>
    <div>&#160;</div>
    <div style="margin-left: 108pt;"><a name="z_Hlk56512958"></a>Broadway Financial Corporation</div>
    <div style="margin-left: 108pt;">5055 Wilshire Boulevard, Suite 500</div>
    <div style="margin-left: 108pt;">Los Angeles, California 90036</div>
    <div style="margin-left: 108pt;">Attn: Brenda Battey,</div>
    <div style="margin-left: 108pt;">Chief Financial Officer</div>
    <div style="margin-left: 108pt;">Email: bbattey@broadwayfederalbank.com</div>
    <div style="margin-left: 108pt;">&#160;</div>
    <div style="margin-left: 108pt;">with a copy (which copy shall not constitute notice) to:</div>
    <div style="margin-left: 108pt;">&#160;</div>
    <div style="margin-left: 108pt;">Arnold &amp; Porter LLP</div>
    <div style="margin-left: 108pt;">777 South Figueroa Street,</div>
    <div style="margin-left: 108pt;">44th Floor</div>
    <div style="margin-left: 108pt;">Los Angeles, California 90017</div>
    <div style="margin-left: 108pt;">Attn: James R. Walther, Esq.</div>
    <div style="margin-left: 108pt;">Fax: (213) 243-4199</div>
    <div style="margin-left: 108pt;">Email: James.Walther@arnoldporter.com</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655937"></a><a name="z_Toc55380714"></a><a name="z_Toc56510609"></a><a name="z_Toc57018201"></a><font style="font-weight: bold;">6.8</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Entire

          Agreemen<font style="font-weight: bold;">t</font></u></font><font style="font-weight: normal;">.</font> This Agreement constitutes the entire agreement, and supersede all other prior agreements, understandings, representations and warranties,
      inducements or conditions, both written and oral, among the Parties, with respect to the subject matter hereof and thereof.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655938"></a><a name="z_Toc55380715"></a><a name="z_Toc56510610"></a><a name="z_Toc57018202"></a><font style="font-weight: bold;">6.9</font>&#160;&#160; &#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Successors


          and Assign<font style="font-weight: bold;">s</font></u></font><font style="font-weight: bold;">.</font> This Agreement shall be binding upon and inure to the benefit of the Parties and their respective successors and assigns, including any
      purchasers of the Common Stock to be issued pursuant to this Agreement.&#160; The Company shall not assign this Agreement or any rights or obligations hereunder without the prior written consent of the Investor.&#160; The Investor may assign some or all of its
      rights hereunder or thereunder without the consent of the Company to any Affiliate of the Investor, and such assignee shall be deemed to be an Investor hereunder with respect to such assigned rights and shall be bound by the terms and conditions of
      this Agreement that apply to the Investor.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;"><a name="z_Toc53655939"></a><a name="z_Toc55380716"></a><a name="z_Toc56510611"></a></font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">34</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">6.10</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Caption<font style="font-weight: bold;">s</font></u></font><font style="font-weight: normal;">.</font> The
      article, section, paragraph and clause captions herein are for convenience of reference only, do not constitute part of this Agreement and will not be deemed to limit or otherwise affect any of the provisions hereof.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655940"></a><a name="z_Toc55380717"></a><a name="z_Toc56510612"></a><a name="z_Toc57018204"></a><font style="font-weight: bold;">6.11</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Severabilit<font style="font-weight: bold;">y</font></u></font><font style="font-weight: normal;">.</font> If any provision of this Agreement or the application thereof to any Person or circumstance is determined by a court of competent jurisdiction to be
      invalid, void or unenforceable, the remaining provisions hereof, or the application of such provision to Persons or circumstances other than those as to which it has been held invalid or unenforceable, will remain in full force and effect and shall
      in no way be affected, impaired or invalidated thereby, so long as the economic or legal substance of the transactions contemplated hereby is not affected in any manner materially adverse to any party.&#160; Upon such determination, the Parties shall
      negotiate in good faith in an effort to agree upon a suitable and equitable substitute provision to effect the original intent of the Parties.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655941"></a><a name="z_Toc55380718"></a><a name="z_Toc56510613"></a><a name="z_Toc57018205"></a><font style="font-weight: bold;">6.12</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Third


          Party Beneficiarie<font style="font-weight: bold;">s</font></u></font><font style="font-weight: normal;">.</font> Nothing contained in this Agreement, expressed or implied, is intended to confer upon any Person other than the Parties, any benefit
      right or remedies, except that the Placement Agents may rely on the representations and warranties contained herein to the same extent as if they were party to this Agreement and the provisions of Sections 5.1 and 5.2 shall inure to the benefit of
      the Persons referred to in such Sections.</div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655942"></a><a name="z_Toc55380719"></a><a name="z_Toc56510614"></a><a name="z_Toc57018206"></a><font style="font-weight: bold;">6.13</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Public


          Announcemen<font style="font-weight: bold;">ts</font></u></font><font style="font-weight: normal;">.</font> <font style="color: rgb(0, 0, 0);">The Investor will not make (and will use its reasonable best efforts to ensure that its Affiliates and
        representatives do not make) any news release or public disclosure with respect to this Agreement and any of the transactions contemplated hereby, without first consulting with the Company and, in each case, also receiving the Company&#8217;s consent
        (which shall not be unreasonably withheld, conditioned or delayed).</font></div>
    <div>&#160;</div>
    <div style="text-indent: 72pt;"><a name="z_Toc53655943"></a><a name="z_Toc55380720"></a><a name="z_Toc56510615"></a><a name="z_Toc57018207"></a><font style="font-weight: bold;">6.14</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Specific Performance</u></font>.
      The Parties agree that irreparable damage would occur in the event that any of the provisions of this Agreement were not performed in accordance with their specific terms.&#160; It is accordingly agreed that the Parties shall be entitled to seek specific
      performance of the terms hereof, this being in addition to any other remedies to which they are entitled at law or equity.</div>
    <div>&#160;</div>
    <div style="text-indent: 72pt;"><a name="z_Toc53655944"></a><a name="z_Toc55380721"></a><a name="z_Toc56510616"></a><a name="z_Toc57018208"></a><font style="font-weight: bold;">6.15</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Recourse to Other
          Persons</u></font>. This Agreement may only be enforced against the named Parties.&#160; All claims or causes of action that may be based upon, arise out of or relate to this Agreement, or the negotiation, execution or performance of this Agreement
      may be made only against the entities that are expressly identified as Parties or that are subject to the terms hereof, and no past, present or future director, officer, employee, incorporator, member, manager, partner, stockholder, Affiliate, agent,
      attorney or representative of any Party (including any person negotiating or executing this Agreement on behalf of a Party) shall have any liability or obligation with respect to this Agreement or with respect to any claim or cause of action, whether
      in tort, contract or otherwise, that may arise out of or relate to this Agreement, or the negotiation, execution or performance of this Agreement and the transactions contemplated hereby.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-style: italic;">[<font style="font-weight: bold;">signature page follows</font>]</div>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">35</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">IN WITNESS WHEREOF</font><font style="font-size: 10pt;">, the Parties have caused this Agreement to be duly executed by their
        respective authorized officers as of the day and year first above written.</font></div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" id="z4b4b9634835a4eb593b42f9723328f20" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="vertical-align: top;" colspan="4">
            <div style="font-weight: bold;">BROADWAY FINANCIAL CORPORATION</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">&#160;</td>
          <td style="vertical-align: top;" colspan="2">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
            <div>By:</div>
          </td>
          <td style="width: 5%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 22%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 70%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
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            <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ALLY VENTURES,</font><font style="font-size: 10pt;"> A BUSINESS UNIT OF <br>
                ALLY FINANICAL INC.</font></div>
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            <div>300 Park Avenue, Floor 4</div>
            <div>New York, New York 10022</div>
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            <div>Managing Director, Head of&#160; M&amp;A and Ally Ventures</div>
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            <div>Email:&#160; <u>peter.greene@ally.com</u></div>
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            <div>With a copy to:</div>
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          <td style="width: 50%; vertical-align: top;">&#160;</td>
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            <div>Ally Financial Inc.</div>
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          <td style="width: 50%; vertical-align: top;">&#160;</td>
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            <div>500 Woodward Avenue</div>
            <div>Detroit, Michigan 48226</div>
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          <td style="width: 50%; vertical-align: top;">&#160;</td>
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            <div>Attention:&#160; Richard Kent</div>
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            <div>Deputy General Counsel</div>
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            <div>Email:&#160; Richard.kent@ally.com</div>
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      <div style="text-align: center;">[Stock Purchase Agreement]</div>
      <div style="text-align: center;">
        <div><br>
        </div>
        <br>
      </div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.25
<SEQUENCE>5
<FILENAME>brhc10022486_ex10-25.htm
<DESCRIPTION>EXHIBIT 10.25
<TEXT>
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<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <div>
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      <div>
        <div style="text-align: right; font-weight: bold;"><u> </u>Exhibit 10.25<u><br>
          </u></div>
        <div style="text-align: right; font-weight: bold;"><u> <br>
          </u></div>
        <div style="text-align: right; font-weight: bold;"><u>EXECUTION VERSION</u></div>
        <div><br>
        </div>
        <div style="text-align: center;">BROADWAY FINANCIAL CORPORATION</div>
        <div><br>
        </div>
        <div style="text-align: center;">STOCK PURCHASE AGREEMENT</div>
        <div><br>
        </div>
        <div style="text-align: center;">February 19, 2021</div>
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        <div style="text-align: center; font-weight: bold;"><u>TABLE OF CONTENTS</u></div>
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              <td colspan="3" style="vertical-align: top;">&#160;</td>
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            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
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              <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 1.</font><font style="font-size: 10pt;"> PURCHASE&#894; CLOSING</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
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              <td rowspan="1" colspan="3" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">1.1</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Issuance, Sale and Purchase</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
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            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">1.2</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Closing; Deliverables for the Closing; Conditions to the Closing</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 2.</font><font style="font-size: 10pt;"> REPRESENTATIONS AND WARRANTIES</font></div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">4</div>
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            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.1</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Certain Terms</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">4</div>
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              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.2</div>
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                <div style="font-weight: bold;">Representations and Warranties of the Company</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
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              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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                <div style="font-weight: bold;">2.3</div>
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                <div style="font-weight: bold;">Representations and Warranties of the Investor</div>
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                <div style="text-align: right;">19</div>
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              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 3.</font><font style="font-size: 10pt;"> COVENANTS</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">22</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.1</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Conduct of Business Prior to Closing</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">22</div>
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            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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                <div style="text-align: right;">22</div>
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              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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                <div style="font-weight: bold;">3.4</div>
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                <div style="font-weight: bold;">Confidentiality</div>
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                <div style="text-align: right;">22</div>
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              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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                <div style="font-weight: bold;">Publicity</div>
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              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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                <div style="font-weight: bold;">Commercially Reasonable Efforts</div>
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                <div style="text-align: right;">23</div>
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              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
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              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.8</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Exchange Listing</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.9</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Authorized Shares</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.10</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Rule 144 Reporting</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.11</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Exchange Rights</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 4.</font><font style="font-size: 10pt;"> TERMINATION</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">4.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Termination</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">4.2</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Effects of Termination</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 5.</font><font style="font-size: 10pt;"><font style="font-weight: bold;"> </font>INDEMNITY</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification by the Company</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.2</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification by the Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.3</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Notification of Claims</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.4</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification Payment</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.5</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Exclusive Remedies</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 6.</font><font style="font-size: 10pt;"> MISCELLANEOUS</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Survival</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.2</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Other Definitions</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">i</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
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            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.3</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Amendment and Waivers</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.4</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Counterparts and Facsimile</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.5</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Governing Law</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.6</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">WAIVER OF JURY TRIAL</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.7</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Notices</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.8</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Entire Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.9</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Successors and Assigns</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.10</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Captions</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.11</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Severability</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.12</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Third Party Beneficiaries</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.13</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Public Announcements</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.14</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Specific Performance</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 1%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.15</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">No Recourse to Other Persons</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">35</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-align: center; font-weight: bold;"><u>INDEX OF DEFINED TERMS</u></div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="z06ecddd853e14c7ea6e87a722e32e927">

            <tr>
              <td style="width: 95%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;"><u>Page</u></div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Action</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">8</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Affiliate</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Agency</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Authorized Shares Increase Approval</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">5<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Bank Merger</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Benefit Plans</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">15</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Board of Directors</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Business Day</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Capital Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>CDFI</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">5<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>CFB</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>CFB Sub</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Class A Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Class B Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Class C Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Closing</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Closing Date</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Code</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">ii</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="za1d25d6299504e0da6f6cba44595a13f">

            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Employees</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">15</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Financial Statements</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">8<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Indemnified Parties</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Insurance Policies</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">14</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company IT Assets</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">10</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Reports</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Specified Representations</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Stock Plan</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Subsidiaries</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Subsidiary</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Concurrent Other Transactions</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>control</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>controlled by</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>controlling</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Disclosure Schedule</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Disqualification Event</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">18</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>EESA</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>ERISA</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">15</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>ERISA Affiliate</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Exchange Act</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>FDIC</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Federal Reserve</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">5<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>GAAP</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Governmental Authorizations</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">13</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Governmental Consent</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Governmental Entity</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Indemnified Party</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Indemnifying Party</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Insider</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">18</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Insurer</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Intellectual Property Rights</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">15</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Investment</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Investor Indemnified Parties</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Investor Specified Representations</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Knowledge</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Law</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">13</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Liens</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">8</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Loan Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Losses</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Material Adverse Effect</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">4</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Merger</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Merger Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Merger Transactions</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Multiemployer Plan</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Non-Voting Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">iii</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="zdca5f3b68cc14595a9588996c0f573a8">

            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>OFAC</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">12</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Parties</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Per Share Purchase Price</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Person</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Personal Information</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">11</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Placement Agents</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Preferred Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Previously Disclosed</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Privacy Laws</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">11</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Purchase Price</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Registration Statement</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">21</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Rule 506</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">18</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>SEC</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Securities Act</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Shares</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>SLHCA Act</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">5<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Stockholder Approval</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Subsidiary</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Surviving Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Tax</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Tax Return</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Taxes</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Third Party Claim</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Threshold Amount</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>under common control with</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Voting Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Voting Debt</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Voting Securities</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">iv</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;"><u>STOCK PURCHASE AGREEMENT</u></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">THIS STOCK PURCHASE AGREEMENT </font><font style="font-size: 10pt;">(as amended, supplemented or otherwise modified from time
            to time, this &#8220;<font style="font-weight: bold;"><u>Agreement</u></font>&#8221;) is dated as of February 19, 2021, and is entered into by and among Broadway Financial Corporation, a Delaware corporation (the &#8220;<font style="font-weight: bold;"><u>Company</u></font>&#8221;),

            and Banner Bank, a bank corporation incorporated in the state of Washington (the &#8220;<font style="font-weight: bold;"><u>Investor</u></font>&#8221;, and together with the Company, the &#8220;<font style="font-weight: bold;"><u>Parties</u></font>&#8221;).</font></div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><u>RECITALS</u></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><a name="z_Hlk53516059"></a><font style="font-weight: bold;">WHEREAS</font>, the Company is a party to that certain Agreement and Plan of Merger (the &#8220;<font style="font-weight: bold;"><u>Merger
              Agreement</u></font>&#8221;) with CFBanc Corporation, a District of Columbia benefit corporation (&#8220;<font style="font-weight: bold;"><u>CFB</u></font>&#8221;) which provides, among other things and subject to the terms and conditions of the Merger
          Agreement, for (i) the merger of CFB with and into the Company, with the Company continuing as the surviving entity in the Merger (the &#8220;<font style="font-weight: bold;"><u>Merger</u></font>&#8221;), (ii) <font style="color: rgb(38, 38, 38);">immediately

            following the Merger, Broadway Federal Bank, f.s.b., a wholly owned subsidiary of the Company, will merge with and into City First Bank of D.C., National Association (&#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>CFB Sub</u></font><font style="color: rgb(38, 38, 38);">&#8221;), a wholly owned subsidiary of CFB (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Bank Merger</u></font><font style="color: rgb(38, 38, 38);">&#8221; and together with the Merger and </font>the

          other transactions contemplated by the Merger Agreement, the &#8220;<font style="font-weight: bold;"><u>Merger Transactions</u></font>&#8221;)<font style="color: rgb(38, 38, 38);">, with CFB Sub continuing as the surviving entity (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Surviving Bank</u></font><font style="color: rgb(38, 38, 38);">&#8221;)</font>, and (iii) the Company&#8217;s voting common stock, par value $0.01 per share, will be renamed Class A Common Stock (&#8220;<font style="font-weight: bold;"><u>Class A Common Stock</u></font>&#8221;), a new class of non-voting common stock of the Company, par value $0.01 per share, will be created which will be named Class B Common Stock (&#8220;<font style="font-weight: bold;"><u>Class

              B Common Stock</u></font>&#8221;) and the Company&#8217;s currently authorized non-voting common stock, par value $0.01 per share, will be renamed Class C Common Stock (the &#8220;<font style="font-weight: bold;"><u>Class C Common Stock</u></font>&#8221; and
          collectively, the &#8220;<font style="font-weight: bold;"><u>Common Stock</u></font>&#8221;);</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company has engaged Raymond James &amp; Associates, Inc. and Keefe, Bruyette
            &amp; Woods, Inc. as co-placement agents (the &#8220;<font style="font-weight: bold;"><u>Placement Agents</u></font>&#8221;) for the offering of the Common Stock.</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company desires to issue and sell to the Investor, and the Investor desires
            to purchase from the Company, on the terms and conditions described herein, shares of Class A Common Stock at the Per Share Purchase Price specified herein (the &#8220;<font style="font-weight: bold;"><u>Investment</u></font>&#8221;);</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made subject to completion of the Merger
            Transactions;</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made concurrently with the sale by the Company
            of shares of Class A Common Stock and Class C Common Stock at the Per Share Purchase Price via private placement to certain other investors (the &#8220;<font style="font-weight: bold;"><u>Concurrent Other Transactions</u></font>&#8221;); and</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">NOW, THEREFORE</font><font style="font-size: 10pt;">, in consideration of the premises, and of the respective representations,
            warranties, covenants and other agreements of the Parties set forth herein, the Parties hereby agree as follows:</font></div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <!--PROfilePageNumberReset%Num%2%%%-->
        <div style="text-align: center; font-weight: bold;">ARTICLE 1.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655903"></a><a name="z_Toc55380678"></a><a name="z_Toc56510574"></a><a name="z_Toc64047162"></a>PURCHASE&#894; CLOSING</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655904"></a><a name="z_Toc55380679"></a><a name="z_Toc56510575"></a><a name="z_Toc64047163"></a><font style="font-weight: bold;">1.1</font>&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Issuance, Sale and Purchase</u></font>.&#160; On the terms and subject to the conditions set forth herein, the Company agrees to issue and sell to the Investor, and the Investor agrees to purchase from the Company, free and clear of any
          Liens, 561,797 shares of Class A Common Stock (the &#8220;<font style="font-weight: bold;"><u>Shares</u></font>&#8221;) at a per share purchase price of $1.78 (the &#8220;<font style="font-weight: bold;"><u>Per Share Purchase Price</u></font>&#8221;), payable to the
          Company in immediately available funds at the Closing.&#160; The aggregate purchase price payable pursuant to this Section 1.1 is referred to herein as the &#8220;<font style="font-weight: bold;"><u>Purchase Price</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655905"></a><a name="z_Toc55380680"></a><a name="z_Toc56510576"></a><a name="z_Toc64047164"></a><font style="font-weight: bold;">1.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing; Deliverables for the Closing; Conditions to the Closing</u></font>.</div>
        <div style="text-align: justify;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Closing</u></font>.&#160; Unless this Agreement has been terminated pursuant to Article 4, and subject to the satisfaction or, to the extent permitted
          by Law and this Agreement, the written waiver of the conditions set forth in Section 1.2(c), the closing of the transaction contemplated by this Agreement (the &#8220;<font style="font-weight: bold;"><u>Closing</u></font>&#8221;) shall take place at the
          offices of Arnold &amp; Porter LLP, located at 777 South Figueroa Street, 44th Floor, Los Angeles, California 90017, or remotely via the electronic or other exchange of documents and signature pages, at 9:00 a.m. Pacific Time on the second
          Business Day after the satisfaction or, if permissible, waiver of the conditions set forth in Section 1.2(c) (other than those which by their nature are to be satisfied at Closing, but subject to the satisfaction or waiver of such conditions), or
          at such other place or such other date as may be agreed to by the Parties (the &#8220;<font style="font-weight: bold;"><u>Closing Date</u></font>&#8221;).</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing Deliverables</u></font>.&#160; Subject to the satisfaction or permitted waiver of the conditions to the Closing set forth in Section 1.2(c),
          at the Closing the Parties shall make the following deliveries:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Company shall deliver to the Investor one or more certificates evidencing the Shares registered in the name of the Investor (or if the Shares are to be uncertificated, the
          Company shall deliver appropriate evidence of such registration of the Shares in the name of the Investor);</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; the Company shall deliver to the Investor a schedule setting forth the aggregate number of shares of each class of Capital Stock outstanding immediately after giving effect to the
          Merger Transactions, the Concurrent Other Transactions and the transactions contemplated hereby; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the Investor shall deliver the Purchase Price by wire transfer of immediately available funds to the account specified by the Company for this purpose by notice to the Investor
          prior to the Closing.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref53247642"></a>(c)&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Closing Conditions</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligations of the Investor, on the one hand, and the Company, on the other hand, to consummate the purchase and sale of the Shares provided for in this Agreement are each
          subject to the satisfaction or, to the extent permitted by Law and this Agreement, the waiver by the Company or the Investor, as applicable, of the following conditions to the Closing under this Agreement:</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">2</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;All Governmental Consents required to have been obtained at or prior to the Closing Date in connection with the execution, delivery or performance of this Agreement and the
          consummation of the transactions contemplated hereby shall have been obtained and shall be in full force and effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Merger Transactions shall have been consummated in accordance with the Merger Agreement, including the approval of the Merger Agreement by the stockholders of each of the
          Company and CFB;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;If required under applicable Law or the rules and regulations of the Nasdaq Stock Market, the approval by stockholders of the Company of resolutions providing for the Company&#8217;s
          issuance of the maximum number of shares of Common Stock to be issued under this Agreement and in the Concurrent Other Transactions in accordance with this Agreement, the definitive documentation relating to the Concurrent Other Transactions, and
          applicable Law and the rules and regulations of the Nasdaq Stock Market (such approval being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Stockholder Approval</u></font>&#8221;) shall have been obtained;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Approval by the stockholders of the Company to increase in the authorized number of shares of Voting Common Stock (which will become Class A Common Stock upon completion of the
          Merger) from 50,000,000 shares to 75,000,000 shares, to be effected by the filing of an amended and restated certificate of incorporation of the Company (the &#8220;<font style="font-weight: bold;"><u>Authorized Shares Increase Approval</u></font>&#8221;),<font style="font-weight: bold;">&#160;</font>shall have been obtained.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Investor to consummate the purchase of Shares provided for in this Agreement is also subject to the satisfaction or waiver by the Investor of the following
          conditions to the Closing:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(i) The&#160; Company Specified Representations shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on and
          as of the Closing Date and (ii) the other representations and warranties of the Company set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made
          on and as of the Closing Date, except, in the case of this clause (ii) only, to the extent that the failure to be true and correct (without regard to any materiality or Material Adverse Effect qualifications contained therein), would not
          reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect and except, in the case of clauses (i) and (ii), that representations and warranties made as of a specified date shall be true and correct as of such
          date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior
          to the Closing Date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Investor shall have received a certificate, dated as of the Closing Date, signed on behalf of the Company by a senior executive officer certifying to the effect that the
          conditions set forth in Section 1.2(c)(ii)(A), Section 1.2(c)(ii)(B) and Section 1.2(c)(ii)(D) have been satisfied on and as of the Closing Date;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">3</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Since the date of this Agreement, no Material Adverse Effect shall have occurred and no change or other event shall have occurred that would reasonably be expected to have,
          individually or in the aggregate, a Material Adverse Effect;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Company to consummate the sale of the Shares provided for in this Agreement is also subject to the satisfaction or written waiver by the Company of the
          following conditions to the Closing:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The representations and warranties of the Investor set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the
          Closing Date as though made on and as of the Closing Date, except to the extent that the failure to be true and correct (without regard to any materiality qualifications contained therein) would not materially adversely affect the ability of the
          Investor to perform its obligations hereunder and except that (1) representations and warranties made as of a specified date shall be true and correct as of such date and (2) the representations and warranties of the Investor set forth in
          Sections 2.3(d) and 2.3(f) shall be true and correct in all respects;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Investor shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior
          to the Closing Date; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company shall have received a certificate, dated as of the Closing Date, signed on behalf of the Investor by a duly authorized person certifying to the effect that the
          conditions set forth in Section 1.2(c)(iii)(A) and Section 1.2(c)(iii)(B) have been satisfied on and as of the Closing Date.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 2.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655906"></a><a name="z_Toc55380681"></a><a name="z_Toc56510577"></a><a name="z_Toc64047165"></a>REPRESENTATIONS AND WARRANTIES</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655907"></a><a name="z_Toc55380682"></a><a name="z_Toc56510578"></a><a name="z_Toc64047166"></a><font style="font-weight: bold;">2.1</font>&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Certain Terms</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Material Adverse Effect</u></font>&#8221; means any circumstance, event, change, development or effect that,
          individually or in the aggregate, would reasonably be expected to (i) result in a material adverse effect on the assets, liabilities, business, financial condition or results of operations of the Company and the Company Subsidiaries, taken as a
          whole, or (ii) materially impair or delay the ability of the Company or any of the Company Subsidiaries to perform its or their obligations under this Agreement to consummate the Closing or any of the transactions contemplated hereby; provided,
          however, that in determining whether a Material Adverse Effect has occurred under clause (i), there shall be excluded any circumstance, event, change, development or effect to the extent resulting from (A) actions or omissions of the Company or
          any Company Subsidiary expressly required or contemplated by the terms of this Agreement, (B) changes after the date hereof in general economic conditions in the United States, including financial market volatility or downturns, or in the markets
          in which the Company and the Company Subsidiaries operate, (C) changes after the date hereof affecting the banking industry generally, (D) any changes after the date hereof in applicable Laws or accounting rules or principles, including changes
          in GAAP, (E) changes in the market price or trading volume of the Common Stock or the Company&#8217;s other outstanding securities (but not the underlying causes of such changes), (F) any epidemic, pandemic or disease outbreak (including the Covid-19
          virus) including any worsening of such conditions; or (G) any failure by the Company or any of the Company Subsidiaries to meet any internal projections or forecasts with regard to the assets, liabilities, business, financial condition or results
          of operations of the Company and the Company Subsidiaries, taken as a whole (but not the underlying causes of such failure), in each case to the extent that such circumstance, event, change, development or effect referred to in clauses (B), (C)
          and (D) do not have a disproportionate effect on the Company and the Company Subsidiaries compared to other participants in the industries or markets in which the Company and the Company Subsidiaries operate.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">4</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Previously Disclosed</u></font>&#8221; (i) with regard to any Party, means information set forth in its Disclosure
          Schedule under Section references corresponding with the provision of this Agreement to which such information relates (including, in the case of the Company, information identified in the Company&#8217;s Disclosure Schedule); provided, however, that
          if such information is disclosed in such a way as to make its relevance or applicability to another provision of this Agreement reasonably apparent on its face, such information shall be deemed to be responsive to such other provision of this
          Agreement and (ii) with regard to the Company, includes information publicly disclosed by the Company in any reports, schedules, forms, statements and other documents filed or furnished by the Company under the Securities Act and the Exchange Act
          with the Securities and Exchange Commission (the &#8220;<font style="font-weight: bold;"><u>SEC</u></font>&#8221;), including pursuant to Section 13(a) or 15(d) thereof, since December 31, 2017, in each case available prior to the date of this Agreement
          (excluding any risk factor disclosures contained in such documents under the heading &#8220;Risk Factors&#8221; and any disclosure of risks included in any &#8220;forward-looking statements&#8221; disclaimer or other statements that are similarly non-specific and are
          predictive or forward-looking in nature). Notwithstanding anything in this Agreement to the contrary, the mere inclusion of an item in a Disclosure Schedule shall not be deemed an admission that such item represents a material exception or
          material fact, event or circumstance or that such item has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655908"></a><a name="z_Toc55380683"></a><a name="z_Toc56510579"></a><a name="z_Toc64047167"></a><font style="font-weight: bold;">2.2</font>&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Representations and Warranties of the Company</u></font>.&#160; Except as Previously Disclosed, the Company hereby represents and warrants to the Investor, as of the date of this Agreement and as of the Closing Date (except for the
          representations and warranties that are as of a specific date, which are made as of that date) that:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; Each of the Company and the Company Subsidiaries is a corporation or other entity duly organized and
          validly existing under the laws of the jurisdiction of its incorporation or organization. Each of the Company and the Company Subsidiaries is duly qualified to do business and is in good standing in all jurisdictions where its ownership or
          leasing of property or the conduct of its business requires it to be so qualified, except where any failure to be so qualified would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect. Each of the
          Company and the Company Subsidiaries has the corporate or other organizational power and authority to own its properties and assets and to carry on its business as it is now being conducted.&#160; The Company has Previously Disclosed correct and
          complete copies of the certificate of incorporation and bylaws (or similar governing documents) as amended through the date of this Agreement for the Company and Broadway Federal Bank, f.s.b. (the &#8220;<font style="font-weight: bold;"><u>Bank</u></font>&#8221;).&#160;
          The Company is duly registered with the Board of Governors of the Federal Reserve System (the &#8220;<font style="font-weight: bold;"><u>Federal Reserve</u></font>&#8221;) as a savings and loan holding company under the Savings and Loan Holding Company Act,
          as amended, 12 U.S.C. 1467a (the &#8220;<font style="font-weight: bold;"><u>SLHCA Act</u></font>&#8221;).&#160; As of the date hereof, the Company is a certified &#8220;community development financial institution&#8221; designated as such under the Community Development
          Banking and Financial Institutions Act of 1994, as amended (12 U.S.C. Sections 5311 et seq.) and its implementing regulations, as applicable (a &#8220;<font style="font-weight: bold;">CDFI</font>&#8221;).&#160; Following the consummation of the Bank Merger, the
          Surviving Bank will apply to be designated as a CDFI.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">5</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Company Subsidiaries</u></font>.&#160; As of the date of this Agreement, the Company has Previously Disclosed a true, complete and correct list of each
          entity in which the Company, directly or indirectly, owns sufficient capital stock or holds a sufficient equity or similar interest such that it is consolidated with the Company in the financial statements of the Company or has the power to elect
          a majority of the board of directors or other persons performing similar functions (each, a &#8220;<font style="font-weight: bold;"><u>Company Subsidiary</u></font>&#8221; and, collectively, the &#8220;<font style="font-weight: bold;"><u>Company Subsidiaries</u></font>&#8221;).&#160;

          Except for the Company Subsidiaries and as Previously Disclosed, the Company does not own beneficially or control, directly or indirectly, more than 5% of any class of equity securities or similar interests of any corporation, bank, business
          trust, association or similar organization, and is not, directly or indirectly, a partner in any general partnership or party to any joint venture or similar arrangement.&#160; The Company owns, directly or indirectly, all of its interests in each
          Company Subsidiary free and clear of any and all Liens.&#160; No equity security of any Company Subsidiary is or may be required to be issued by reason of any option, warrant, scrip, preemptive right, right to subscribe to, gross-up right, call or
          commitment of any character whatsoever relating to, or security or right convertible into, shares of any capital stock or other interest of such Company Subsidiary, and there are no contracts, commitments, understandings or arrangements by which
          any Company Subsidiary is bound to issue additional shares of its capital stock or other interest, or any option, warrant or right to purchase or acquire any additional shares of its capital stock.&#160; The deposit accounts of the Bank are insured by
          the Federal Deposit Insurance Corporation (&#8220;<font style="font-weight: bold;"><u>FDIC</u></font>&#8221;) to the fullest extent permitted by the Federal Deposit Insurance Act, as amended, and the rules and regulations of the FDIC thereunder, and all
          premiums and assessments required to be paid in connection therewith have been paid when due (after giving effect to any applicable extensions). The Company beneficially owns all of the outstanding capital securities of, and has sole control of,
          the Bank.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Capitalization</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as set forth on the Disclosure Schedule, as of the date hereof, the authorized Capital Stock of the Company consists of 50,000,000 shares of Voting Common Stock, par value
          $0.01 per share (&#8220;<font style="font-weight: bold;"><u>Voting Common Stock</u></font>&#8221;), 25,000,000 shares of Non-Voting Common Stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Non-Voting Common Stock</u></font>&#8221;), and 1,000,000 shares
          of preferred stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Preferred Stock</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, before giving effect to the transaction provided for herein, the Merger Transactions and the Concurrent Other Transactions the Company has issued and
          outstanding: (i) 19,281,758 of shares of Voting Common Stock, including 556,169 shares of Voting Common Stock granted in respect of outstanding restricted stock awards, (ii) 1,637,902 shares of Voting Common Stock held by the trust for the
          Broadway Federal Bank, f.s.b. Employee Stock Ownership Plan, and (iii) 8,756,396 shares of Non-Voting Common Stock.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">6</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, other than in respect of awards outstanding under or issuable pursuant to the Company&#8217;s 2008 Long-Term Incentive Plan (the &#8220;<font style="font-weight: bold;"><u>Company

              Stock Plan</u></font>&#8221;) consisting of options to purchase an aggregate of 450,000 shares of common stock, and except in connection with this Agreement and the transactions contemplated hereby, the Merger Agreement and the Concurrent Other
          Transactions, the Company has not (A) agreed to issue or authorized the issuance after the date hereof of any shares of Common Stock or Preferred Stock, or any securities convertible into or exchangeable or exercisable for shares of Common Stock
          or Preferred Stock, (B) reserved for issuance any shares of Capital Stock of the Company or (C) repurchased or redeemed, or agreed to or authorized the repurchase or redemption of, any shares of Capital Stock of the Company.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; All of the issued and outstanding shares of Capital Stock of the Company have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights,
          except for the preemptive rights granted to certain institutional stockholders of the Company identified on Schedule 2.2(c)(iv) of the Company&#8217;s Disclosure Schedule.&#160; None of the outstanding shares of Capital Stock or other securities of the
          Company or any of the Company Subsidiaries was issued, sold or offered by the Company or any Company Subsidiary in violation of the Securities Act of 1933, as amended (the &#8220;<font style="font-weight: bold;"><u>Securities Act</u></font>&#8221;) or the
          securities or blue sky laws of any state or jurisdiction, or in violation of any agreement, arrangement or commitment to which the Company was or is a party or subject, or in violation of any preemptive or similar rights of any Person.&#160; No bonds,
          debentures, notes or other indebtedness having the right to vote on any matters on which the stockholders of the Company may vote (&#8220;<font style="font-weight: bold;"><u>Voting Debt</u></font>&#8221;) are issued and outstanding.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date of this Agreement, except for the outstanding awards under the Company Stock Plan, the Company does not have and is not bound by any outstanding subscriptions,
          options, warrants, calls, commitments or agreements of any character calling for the purchase or issuance of, or securities or rights convertible into or exchangeable or exercisable for, any shares of Capital Stock or Voting Debt of the Company.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company has the corporate power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The Board of Directors has approved the
          transactions contemplated by this Agreement.&#160; This Agreement has been duly and validly executed and delivered by the Company and, assuming due authorization, execution and delivery by the Investor, is the valid and binding obligation of the
          Company enforceable against the Company in accordance with its terms, except as enforcement may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to
          or affecting creditors&#8217; rights or by general equity principles (whether applied in equity or at law).</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">7</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution and delivery by the Company of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Company with any of the
          provisions hereof, will, with or without the passage of time and giving of notice, (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would
          constitute a default) under, or result in the termination of, or result in the loss of any benefit or creation of any right on the part of any third party under, or accelerate the performance required by, or result in a right of termination or
          acceleration of, or result in the creation of any liens, charges, adverse rights or claims, pledges, covenants, title defects, security interests or other encumbrances of any kind (&#8220;<font style="font-weight: bold;"><u>Liens</u></font>&#8221;) upon any
          of the properties or assets of the Company or any Company Subsidiary, under any of the terms, conditions or provisions of (1) the certificate of incorporation or bylaws (or similar governing documents) of the Company and each Company Subsidiary
          or (2) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Company or any of the Company Subsidiaries is a party or by which it may be bound, or to which the Company or any
          of the Company Subsidiaries, or any of the properties or assets of the Company or any of the Company Subsidiaries may be subject, or (B) violate any Law applicable to the Company or any of the Company Subsidiaries or any of their respective
          properties or assets except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
          delivery of this Agreement or for the sale by the Company of Common Stock to the Investor pursuant to this Agreement.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Litigation and Other Proceedings</u></font>.&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material
          Adverse Effect, or as would not reasonably be expected to adversely impact the reputation of the Company, the Company Subsidiaries or their respective investors in any material respect, there is no pending or, to the Knowledge of the Company,
          threatened claim, action, suit, arbitration, complaint, charge or investigation or proceeding (each an &#8220;<font style="font-weight: bold;"><u>Action</u></font>&#8221;) against the Company or any Company Subsidiary or any of their respective assets,
          rights or properties, nor is the Company or any Company Subsidiary a party or named as subject to the provisions of any order, writ, injunction, settlement, judgment or decree of any court, arbitrator or government agency, or instrumentality.&#160;
          There has not been, and to the Knowledge of the Company, there is not pending or contemplated, any investigation or other Action by the SEC involving the Company or any current or former director or officer of the Company in his or her capacity
          as such.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Financial Statements</u></font>.&#160; The audited consolidated balance sheets of the Company and the Company Subsidiaries and the related
          consolidated statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s Annual Report on Form 10-K filed with the SEC for the year ended December 31, 2019 and the unaudited
          consolidated balance sheets of the Company and the Company Subsidiaries and the related unaudited consolidated statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s
          quarterly reports on Form 10-Q filed with the SEC for the quarterly period ending September 30, 2020 (the &#8220;<font style="font-weight: bold;"><u>Company Financial Statements</u></font>&#8221;) (i) have been prepared from, and are in accordance with, the
          books and records of the Company and the Company Subsidiaries, (ii) complied, as of the date of such filing, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect
          thereto, (iii) have been prepared in accordance with GAAP applied on a consistent basis and (iv) present fairly in all material respects the consolidated financial position of the Company and the Company Subsidiaries at the dates and the
          consolidated results of operations, changes in stockholders&#8217; equity and cash flows of the Company and the Company Subsidiaries for the periods stated therein.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">8</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Reports</u></font>.&#160; Since December 31, 2017, the Company and each Company Subsidiary have filed all material reports, registrations, documents,
          filings, statements and submissions, together with any required amendments thereto, that they were required to file with any Governmental Entity, including all those required under the Exchange Act, including pursuant to Section 13(a) or 15(d)
          thereof (the foregoing, collectively, being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Company Reports</u></font>&#8221;) and have paid all material fees and assessments due and payable in connection therewith.&#160; As of their
          respective filing dates, or as subsequently amended prior to the date hereof, the Company Reports complied in all material respects with all statutes and applicable rules and regulations of the applicable Governmental Entities.&#160; As of the date of
          this Agreement, there are no outstanding comments from the SEC or any other Governmental Entity with respect to any Company Report that were the subject of written correspondence that have not been resolved.&#160; The Company Reports, including the
          documents incorporated by reference in each of them, each contained all the information required to be included in it and, when it was filed and, as of the date of each such Company Report filed with the SEC, or if amended prior to the date of
          this Agreement, as of the date of such amendment, did not contain an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made in it, in light of the circumstances under which they were
          made, not misleading and complied as to form in all material respects with the applicable requirements of the Securities Act and the Securities Exchange Act of 1934, as amended (the &#8220;<font style="font-weight: bold;"><u>Exchange Act</u></font>&#8221;).&#160;
          No executive officer of the Company has failed in any respect to make the certifications required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act of 2002.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Internal Accounting and Disclosure Controls</u></font>.&#160; The records, systems, controls, data and information of the Company and the Company
          Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of the Company or the
          Company Subsidiaries (including all means of access thereto and therefrom) or reputable banking industry service providers, except for any non-exclusive ownership and non-direct control that would not reasonably be expected to have an adverse
          effect on the system of internal accounting controls described below in this Section 2.2(i).&#160; The Company (i) has implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) intended to ensure
          that material information relating to the Company, including its consolidated Subsidiaries, is made known to the chief executive officer and the chief financial officer of the Company by others within those entities, and (ii) has disclosed, based
          on its most recent evaluation prior to the date of this Agreement, to the Company&#8217;s outside auditors and the audit committee of the Board of Directors (A) any significant deficiencies and material weaknesses in the design or operation of internal
          control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) that are reasonably likely to adversely affect the Company&#8217;s ability to record, process, summarize and report financial information, and (B) any fraud, whether or
          not material, that involves management or other employees who have a significant role in the Company&#8217;s internal controls over financial reporting.&#160; As of the date of this Agreement, the Company has no Knowledge of any reason that its outside
          auditors and its chief executive and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act of 2002, without
          qualification, when due.&#160; Since December 31, 2017, neither the Company nor any Company Subsidiary nor, to the Knowledge of the Company, any director, officer, employee, auditor, accountant or representative of the Company or any Company
          Subsidiary has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods of the Company
          or any Company Subsidiary or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that the Company or any Company Subsidiary has engaged in questionable accounting or auditing practices.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">9</font></div>
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        </div>
        <div style="color: rgb(0, 0, 0); text-indent: 72pt;">(j)&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Data Privacy</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries have taken commercially reasonable steps consistent with customary industry practices to protect the
          confidentiality, integrity, availability and security of the computers, servers, workstations, routers, hubs, switches, circuits, networks and other information technology equipment owned or controlled by them or by any third party and material
          to the Company and the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company IT Assets</u></font>&#8221;) (and all information and transactions stored or contained therein or transmitted thereby) against any unauthorized use, access,
          interruption, modification or corruption, and there has been no unauthorized use, access, interruption, modification or corruption of the Company IT Assets.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; In connection with their receipt, purchase, collection, securing, safeguarding, storage, transfer (including any transfer across national
          borders), disclosure, destruction/disposal, and/or use or other processing of any Personal Information, each of the Company and the Company Subsidiaries, is and has been, in material compliance with all Privacy Laws, their respective privacy
          policies and the requirements of any contract or codes of conduct to which any of the Company or the Company Subsidiaries is a party.&#160; The privacy policies of the Company are customary for the industry in which the Company operates.&#160; The Company
          and the Company Subsidiaries have commercially reasonable and appropriate physical, technical, organizational, and administrative security measures and policies in place designed to protect all Personal Information collected by them or on their
          behalf from and against unauthorized access, use, interruption, modification, corruption, and/or disclosure.&#160; The Company and the Company Subsidiaries have binding written agreements obligating (in accordance with and as required by Privacy Laws
          (as applicable)) all third parties collecting, accessing, receiving, storing or processing Personal Information on behalf of the Company and the Company Subsidiaries to (i) comply with all applicable Privacy Laws, (ii) take commercially
          reasonable and appropriate steps to protect and secure such Personal Information from and against unauthorized access, use interruption, modification, corruption, and/or disclosure which are no less stringent than those applied by the Company and
          the Company Subsidiaries and (iii) promptly notify the Company and the Company Subsidiaries of any unauthorized access, use interruption, modification, corruption, and/or disclosure of Personal Information or Company IT Assets processing Personal
          Information.&#160; The Company and the Company Subsidiaries are, and since December 31, 2017, have been, in compliance in all material respects with all Privacy Laws and any other applicable Laws in all relevant jurisdictions relating to data loss,
          theft and breach of security notification obligations.&#160; Since December 31, 2017, none of the Company or any of the Company Subsidiaries has experienced a material breach of its information technology systems or a data loss or theft as defined by
          the Laws in all relevant jurisdictions.&#160; None of the Company or any of the Company Subsidiaries has been charged with, or received any notice of any claims of, the violation in any material respect of any Privacy Laws or any of their respective
          privacy policies.&#160; The consummation of the transactions contemplated hereby will not breach or otherwise cause any violation of any Privacy Law.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">10</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; For the purposes of this <u>Section </u><u>2.2(j)</u>:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(1)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; &#8220;<u>Personal Information</u>&#8221; means, in addition to any definition provided by applicable law or by the Company and the Company
          Subsidiaries in any of their respective privacy policies, contracts, or other public-facing statements for any similar term (<font style="font-style: italic;">e.g.</font>, &#8220;personally identifiable information&#8221; or &#8220;PII&#8221;), all information
          identifying, regarding or capable of being associated with an individual person or device.&#160; Personal Information may relate to any individual, including a current, prospective or former client (or a client&#8217;s customer or end user) or employee of
          any Person, and includes information in any form, including paper, electronic and other forms.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(2)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#8220;<u>Privacy Laws</u>&#8221; means all applicable laws, legal requirements, and self-regulatory guidelines and principles relating to privacy,
          data security, and Personal Information and similar applicable consumer protection laws, including with respect to the receipt, collection, compilation, use, storage, processing, sharing, safeguarding, security, disposal, destruction, disclosure
          or transfer of Personal Information and any and all applicable laws governing breach notification in connection with Personal Information.&#160; As used in this Agreement, &#8220;Privacy Laws&#8221; shall include the California Consumer Privacy Act, General Data
          Protection Regulation and the rules and regulations promulgated thereunder, and applicable state laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Undisclosed Liabilities</u></font>.&#160; There are no liabilities of the Company or any of the Company Subsidiaries of any kind whatsoever, whether
          accrued, contingent, absolute, determined, determinable or otherwise, except for (i) liabilities adequately reflected or reserved against in accordance with GAAP in the Company&#8217;s audited balance sheet as of December 31, 2019 and (ii) liabilities
          that have arisen in the ordinary and usual course of business and consistent with past practice since December 31, 2019 and that have not or would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Mortgage Lending</u></font>.&#160; The Company and each of the Company Subsidiaries have complied in all material respects with, and all documentation
          in connection with the origination, processing, underwriting and credit approval of any mortgage loan originated, purchased or serviced by the Company or any Company Subsidiary has satisfied, in all material respects (i) all Laws with respect to
          the origination, insuring, purchase, sale, servicing, or filing of claims in connection with mortgage loans, including all Laws relating to real estate settlement procedures, consumer credit protection, truth in lending laws, usury limitations,
          fair housing, transfers of servicing, collection practices, equal credit opportunity and adjustable rate mortgages, (ii) the responsibilities and obligations relating to mortgage loans set forth in any agreement between the Company and any
          Agency, Loan Investor or Insurer, (iii) the applicable rules, regulations, guidelines, handbooks and other requirements of any Agency, Loan Investor or Insurer and (iv) the terms and provisions of any mortgage or other collateral documents and
          other loan documents with respect to each mortgage loan.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">11</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Bank Secrecy Act; Anti-Money Laundering; OFAC; and Customer Information</u></font>.&#160; The Company is not aware of, has not been advised of, and, to
          the Knowledge of the Company, has no reason to believe that any facts or circumstances exist that would cause it or any Company Subsidiary to be deemed to be not operating in compliance, in all material respects, with the Bank Secrecy Act of
          1970, as amended, the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (also known as the USA PATRIOT Act), any order or regulation issued by the Treasury&#8217;s Office of
          Foreign Assets Control (&#8220;<font style="font-weight: bold;"><u>OFAC</u></font>&#8221;), or any other applicable anti-money laundering or anti-terrorist-financing statute, rule or regulation.&#160; The Company is not aware of any facts or circumstances that
          would cause it to believe that any nonpublic customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause it to undertake any material remedial action.&#160; The Company and each of the Company
          Subsidiaries have adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with the USA PATRIOT Act and such anti-money laundering program meets
          the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and they have complied in all respects with any requirements to file reports and other necessary documents as required by the USA
          PATRIOT Act and the regulations thereunder.&#160; The Company will not directly or indirectly use the proceeds of the sale of the Common Stock pursuant to transactions contemplated by this Agreement, or lend, contribute or otherwise make available
          such proceeds to any Company Subsidiary, joint venture partner or other Person, towards any sales or operations in any country appearing on the OFAC Specially Designated Nationals List (&#8220;<font style="font-weight: bold;"><u>SDN List</u></font>&#8221;)
          or for the purpose of financing the activities of any Person currently appearing on the SDN List.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Certain Payments</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries, nor any directors or officers of the Company, nor to the
          Knowledge of the Company, employees or any Affiliates of the Company or the Company Subsidiaries or any other Person who to the Knowledge of the Company is associated with or acting on behalf of the Company or any of the Company Subsidiaries has
          directly or indirectly (i) made any contribution, gift, bribe, rebate, payoff, influence payment, kickback, or other payment in material violation of any Law, including the U.S. Foreign Corrupt Practices Act of 1977, as amended, and any
          applicable anti-bribery or anti-corruption laws, to any Person, private or public, regardless of form, whether in money, property, or services (A) to obtain favorable treatment in securing business for the Company or any of the Company
          Subsidiaries, (B) to pay for favorable treatment for business secured by the Company or any of the Company Subsidiaries, or (C) to obtain special concessions or for special concessions already obtained, for or in respect of the Company or any of
          the Company Subsidiaries or (ii) established or maintained any fund or asset with respect to the Company or any of the Company Subsidiaries that was required by Law or GAAP to have been recorded and was not recorded in the books and records of
          the Company or any of the Company Subsidiaries.&#160; <font style="color: rgb(0, 0, 0);">Neither the Company nor any Company Subsidiaries has conducted any internal investigation, made any voluntary, directed, or involuntary disclosure to any
            Governmental Entity, or received any audit report, written communication from a Governmental Entity, or whistleblower or other written complaint, involving alleged violations in any material respect of </font>the U.S. Foreign Corrupt Practices
          Act of 1977, as amended, and any applicable anti-bribery or anti-corruption laws <font style="color: rgb(0, 0, 0);">on the part of the Company, any of the Company Subsidiaries, or any Person acting on behalf of the Company or any of the Company
            Subsidiaries.</font></div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">12</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Absence of Certain Changes</u></font>.&#160; Since December 31, 2019 and except as Previously Disclosed or as required or contemplated by the terms of
          this Agreement, (i) the Company and the Company Subsidiaries have conducted their respective businesses in all material respects in the ordinary and usual course of business consistent with past practices, (ii) through (and including) the date of
          this Agreement, no fact, event, change, condition, development, circumstance or effect has occurred that has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and (iii) no material default
          (or event which, with notice or lapse of time, or both, would constitute a material default) exists on the part of the Company or any Company Subsidiary in the due performance and observance of any term, covenant or condition of any agreement to
          which the Company or any Company Subsidiary is a party and which would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Compliance with Laws</u></font>.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company, each Company Subsidiary and each of their officers, agents, representatives and employees possesses, holds and have all material permits, licenses, franchises,
          authorizations, orders, consents, registrations, accreditations and approvals of, and have made all filings, applications and registrations with, Governmental Entities that are required in order to permit the Company and each Company Subsidiary
          to own or lease their properties and assets and to carry on their business as presently conducted and that are material to the business of the Company and each Company Subsidiary (collectively, the &#8220;<font style="font-weight: bold;"><u>Governmental

              Authorizations</u></font>&#8221;).&#160; The Company and the Company Subsidiaries, and to the Company&#8217;s Knowledge, their respective officers, agents, representatives and employees, are not in default under any of such Governmental Authorizations, which
          default(s) would be, or be reasonably expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; The Company and each Company Subsidiary have complied with and (A) are not, and
          since December 31, 2017, have not been, in default or violation in any respect of, (B) are not under investigation with respect to, and (C) have not been threatened to be charged with or given notice of any material violation of, any applicable
          material domestic (federal, state or local) or foreign law, statute, ordinance, license, rule, regulation, policy or guideline, order, demand, writ, injunction, decree or judgment of any Governmental Entity (each, a &#8220;<font style="font-weight: bold;"><u>Law</u></font>&#8221;), other than such noncompliance, defaults or violations as would not reasonably be expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; No
          Governmental Entity has placed any material restriction on the business or properties of the Company or any of the Company Subsidiaries.&#160; As of the date hereof, the Bank has a Community Reinvestment Act rating of &#8220;outstanding.&#8221;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">13</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except for normal examinations conducted by a Governmental Entity in the ordinary course of business of the Company and the Company Subsidiaries, (A) no Governmental Entity has
          initiated or has pending any proceeding or, to the Knowledge of the Company, investigation into the business or operations of the Company or any of the Company Subsidiaries since December 31, 2017, (B) there is no unresolved violation or
          exception by any Governmental Entity with respect to any report or statement relating to any examinations or inspections of the Company or any of the Company Subsidiaries, and (C) there have been no formal or informal inquiries by, or
          disagreements or disputes with, any Governmental Entity with respect to the business, operations, policies or procedures of the Company or any of the Company Subsidiaries since December 31, 2017, in each case of clauses (A) through (C), which
          would reasonably be expected, individually or in the aggregate, to be material to the Company and the Company Subsidiaries (taken as a whole).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries are not, and since December 31, 2017, have not been, in violation or default of any provisions of their respective certification of
          incorporation or bylaws (or similar governing documents).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Adequate Capitalization</u></font>.&#160; As of September 30, 2020, the Bank met or exceeded the standards necessary to be considered &#8220;adequately
          capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.&#160; As of the Closing and after giving effect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions, the Bank meets or exceeds
          the standards necessary to be considered &#8220;adequately capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Agreements with Regulatory Agencies</u></font>.&#160; The Company and the Company Subsidiaries (A) are not subject to any cease-and-desist or other
          similar order or enforcement action issued by, (B) are not a party to any written agreement, consent agreement or memorandum of understanding with, (C) are not a party to any commitment letter or similar undertaking to, and (D) are not subject to
          any capital directive by, and since December 31, 2019, neither the Company nor any of the Company Subsidiaries has adopted any board resolutions at the request of any Governmental Entity that currently restricts in any material respect the
          conduct of its business or that in any material manner relates to its capital adequacy, its liquidity and funding policies and practices, its ability to pay dividends, its credit, risk management or compliance policies, its internal controls, its
          management or its operations or business, nor has the Company nor any of the Company Subsidiaries been advised since December 31, 2019 by any Governmental Entity that it is considering issuing, initiating, ordering, or requesting any of the same.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;<font style="font-weight: bold;"><u>Insurance</u></font>.&#160; The Company and each of the Company Subsidiaries are presently insured, and have been insured for at least the past two
          years, for reasonable amounts with financially sound and reputable insurance companies against such risks as companies engaged in a similar business would, in accordance with good business practice, customarily be insured.&#160; All of the policies,
          bonds and other arrangements providing for the foregoing (the &#8220;<font style="font-weight: bold;"><u>Company Insurance Policies</u></font>&#8221;) are in full force and effect, the premiums due and payable thereon have been or will be timely paid through
          the Closing Date, and there is no material breach or default (and no condition exists or event has occurred that, with the giving of notice or lapse of time or both, would constitute such a material breach or default) by the Company or any of the
          Company Subsidiaries under any of the Company Insurance Policies or, to the Knowledge of the Company, by any other party to the Company Insurance Policies.&#160; Neither the Company nor any of the Company Subsidiaries has received any written notice
          of cancellation or non-renewal of any Company Insurance Policy nor, to the Knowledge of the Company, is the termination of any such policies threatened in writing by the insurer, and there is no material claim for coverage by the Company, or any
          of the Company Subsidiaries, pending under any of such Company Insurance Policies as to which coverage has been denied or disputed by the underwriters of such Company Insurance Policies or in respect of which such underwriters have reserved their
          rights.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">14</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Title</u></font>.&#160; The Company and the Company Subsidiaries have good and marketable title in fee simple to all real property owned by them and
          good and valid title to all material personal property owned by them, in each case free and clear of all Liens, except for Liens which do not materially affect the value of such property or do not interfere with the use made and proposed to be
          made of such property by the Company or any Company Subsidiary.&#160; Any real property and facilities held under lease by the Company or the Company Subsidiaries are leased pursuant to valid, subsisting and enforceable leases with such exceptions
          that are not material and do not interfere with the use made and proposed to be made of such property and facilities by the Company or the Company Subsidiaries.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="color: rgb(0, 0, 0); font-size: 12pt; text-indent: 72pt;"><a name="z_Toc334353686"></a><a name="z_Ref210137921"></a><font style="font-size: 10pt;">(u)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">&#160; &#160;
            <font style="font-weight: bold;"><u>Intellectual Property</u></font><font style="font-weight: bold;">.</font>&#160; The Company and the Company Subsidiaries own or possess adequate rights or licenses to use all trademarks, service marks and all
            applications and registrations therefor, trade names, patents, patent rights, copyrights, original works of authorship, inventions, trade secrets and other intellectual property rights (collectively, &#8220;<font style="font-weight: bold;"><u>Intellectual

                Property Rights</u></font>&#8221;) used in their businesses as conducted on the date of this Agreement, except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.&#160; To the Knowledge of the
            Company, no product or service of the Company or the Company Subsidiaries infringes the Intellectual Property Rights of others.</font></div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Employee Benefits</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 2.2(v) of the Disclosure Schedule sets forth a correct and complete list of each &#8220;<u>employee benefit plan</u>&#8221; (within the meaning of Section 3(3) of the Employee Retirement
          Income Security Act of 1974, as amended (&#8220;<font style="font-weight: bold;"><u>ERISA</u></font>&#8221;), including, without limitation, multiemployer plans within the meaning of Section 3(37) of ERISA), and all stock purchase, stock option, severance,
          employment, change-in-control, fringe benefit, bonus, incentive, deferred compensation and all other employee benefit plans, agreements, programs, policies or other arrangements, whether or not subject to ERISA (including any funding mechanism
          therefor now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (A) any current or former employee or director of the Company
          or any of the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company Employees</u></font>&#8221;) has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or any of the Company
          Subsidiaries or (B) the Company or any Company Subsidiary has had or has any present or future liability. All such plans, agreements, programs, policies and arrangements are collectively referred herein to as the &#8220;<font style="font-weight: bold;"><u>Benefit

              Plans</u></font>.&#8221;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">15</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (A) Each Benefit Plan has been established and administered in all material respects in accordance with its terms, and in compliance with the applicable provisions of ERISA, the
          Code and other Laws&#894; (B) no &#8220;reportable event&#8221; (as such term is defined in Section 4043 of ERISA) that could reasonably be expected to result in material liability has occurred with respect to any Benefit Plan, and (C) no non-exempt &#8220;prohibited
          transaction&#8221; (as such term is defined in Section 406 of ERISA and Section 4975 of the Code) has been engaged in by the Company or any Company Subsidiary with respect to any Benefit Plan that has or is expected to result in any material liability
          or &#8220;accumulated funding deficiency&#8221; (as such term is defined in Section 302 of ERISA and Section 412 of the Code (whether or not waived)).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries will be in compliance, as of the Closing Date, with Sections 111 and 302 of the Emergency Economic Stabilization Act of 2008, as amended by
          the U.S. American Recovery and Reinvestment Act of 2009, including all guidance issued thereunder by a Governmental Entity (collectively &#8220;<font style="font-weight: bold;"><u>EESA</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; None of the Company or any Company Subsidiary or any trade or business, whether or not incorporated (an &#8220;<font style="font-weight: bold;"><u>ERISA Affiliate</u></font>&#8221;), all of which
          together with the Company or any Company Subsidiary would be deemed a &#8220;single employer&#8221; within the meaning of Section 4001 of ERISA, has, at any time during the last six years, contributed to or been obligated to contribute to any plan that is
          (i) subject to Title IV or Section 302 of ERISA or Section 412 or 4971 of the Code or (ii) a &#8220;multiemployer plan&#8221; within the meaning of Section 4001(a)(3) of ERISA (a &#8220;<font style="font-weight: bold;"><u>Multiemployer Plan</u></font>&#8221;) or a plan
          that has two or more contributing sponsors at least two of whom are not under common control, within the meaning of Section 4063 of ERISA; and none of Company and the Company Subsidiaries nor any of their respective ERISA Affiliates has incurred
          any liability to a Multiemployer Plan as a result of a complete or partial withdrawal from such Multiemployer Plan, as those terms are defined in Part I of Subtitle E of Title IV of ERISA.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the Company nor any Company Subsidiary has any material unfunded liabilities existing under or in connection with any Benefit Plan, and each such Benefit Plan has been
          established and administered in all respects in accordance with its terms, and in compliance with applicable law, except where failure to be in compliance would not reasonably be expected to result in, individually or in the aggregate, a Material
          Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(vi)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution of this Agreement nor the consummation of the transactions contemplated hereby could (either alone or in conjunction with any other event) reasonably be
          expected to result in, cause the accelerated vesting, funding or delivery of, or increase the amount or value of, any payment or benefit to any employee, officer or director of the Company or any Company Subsidiary.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">16</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Taxes</u></font>.&#160; All material Tax Returns required to be filed by, or on behalf of, the Company or the Company Subsidiaries have been timely
          filed, or will be timely filed, in accordance with all Laws, and all such Tax Returns are, or will be at the time of filing, complete and correct in all material respects.&#160; The Company and the Company Subsidiaries have timely paid all material
          Taxes due and payable (whether or not shown on such Tax Returns), or, where payment is not yet due, have made adequate financial statement provisions therefor in accordance with GAAP.&#160; There are no Liens with respect to Taxes upon any of the
          assets or properties of either the Company or the Company Subsidiaries other than with respect to Taxes not yet due and payable.&#160; As of the date of this Agreement, there are not pending or threatened in writing, any audits, examinations,
          investigations or other proceedings initiated by the Internal Revenue Service in respect of U.S. federal income tax matters.&#160; None of the Company or any of the Company Subsidiaries has been a &#8220;controlled corporation&#8221; or a &#8220;distributing
          corporation&#8221; in any distribution occurring during the two-year period ending on the date hereof that was purported or intended to be governed by Section 355 of the Code (or any similar provision of state, local or foreign Law).&#160; The Company and
          each Company Subsidiary is, and has been since the date of its formation, a corporation for U.S. federal income tax purposes, and neither the Company nor any Company Subsidiary has elected pursuant to the Code to be treated as a Subchapter S
          corporation pursuant to Section 1362(a) of the Code, nor has it made any other elections pursuant to the Code (other than elections that relate solely to methods of accounting, depreciation or amortization) that would have, or be <font style="color: rgb(0, 0, 0);">reasonably expected to result in, </font>individually or in the aggregate, <font style="color: rgb(0, 0, 0);">a Material Adverse Effect.</font></div>
        <div style="margin-left: 9pt; text-indent: 63pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Labor</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Employees of the Company and the Company Subsidiaries are not represented by any labor union nor are any collective bargaining agreements otherwise in effect with respect to such
          employees.&#160; No labor organization or group of employees of the Company or any Company Subsidiary has made a pending demand for recognition or certification, and there are no representation or certification proceedings or petitions presently
          pending or threatened to be brought or filed with the National Labor Relations Board or any other labor relations tribunal or authority, nor have there been in the last three years.&#160; There are no strikes, work stoppages, slowdowns, labor
          picketing lockouts, material arbitrations or material grievances, or other material labor disputes pending or, to the Knowledge of the Company, threatened against or involving the Company or any Company Subsidiary, nor have there been any in the
          past year.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, the Company and the Company Subsidiaries are in compliance with all
          federal and state Laws and requirements respecting employment and employment practices, terms and conditions of employment, collective bargaining, disability, immigration, health and safety, wages, hours and benefits, non-discrimination in
          employment, workers&#8217; compensation and the collection and payment of withholding and/or payroll taxes and similar taxes.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160; There is no charge or complaint pending or threatened before any Governmental Entity alleging unlawful discrimination in employment practices, unfair labor practices or other unlawful
          employment practices by the Company or any Company Subsidiary.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160;&#160; To the Knowledge of the Company, since December 31, 2017, (i) no allegations of sexual harassment or misconduct have been made against (A) an officer of the Company or any of the
          Company Subsidiaries, (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of
          $75,000, and (ii) neither the Company nor any of the Company Subsidiaries has entered into any settlement agreements related to allegations of sexual harassment or misconduct by (A) an officer of the Company or any of the Company Subsidiaries,
          (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">17</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Except as Previously Disclosed, neither the Company nor any of its officers, directors, employees or agents has
          employed any broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Company in connection with this Agreement or
          the transactions contemplated hereby, the fees of which would be payable by the Investor.</div>
        <div style="margin-left: 9pt; text-indent: 63pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(z)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Offering of Securities</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Neither the Company nor any Person acting on its behalf has taken any action (including any offering of any securities of the Company under circumstances which would require the
          integration of such offering with the offering of any of the Shares to be issued pursuant to this Agreement under the Securities Act and the rules and regulations of the SEC promulgated thereunder) which would subject the offering, issuance or
          sale of any of the Shares to be issued pursuant to this Agreement to be subject to the registration requirements of the Securities Act.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company is not disqualified from relying on Rule 506 of Regulation D (&#8220;<font style="font-weight: bold;">Rule 506</font>&#8221;) under the Securities Act for any of the reasons stated
          in Rule 506(d) (each such reason, a &#8220;<font style="font-weight: bold;">Disqualification Event</font>&#8221;) in connection with the issuance and sale of the Shares to the Investor.&#160; The Company has furnished the Investor, a reasonable time prior to the
          date hereof, a description in writing of any matters that would have triggered disqualification under Rule 506(d) but which occurred before September 23, 2013, in each case, in compliance with the disclosure requirements of Rule 506(e).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(aa)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Affiliate Transactions</u></font>.&#160; No officer, director, five percent (5%) stockholder or other Affiliate of the Company (or any Company
          Subsidiary), or any individual who, to the Knowledge of the Company, is related by marriage or adoption to or shares the same home as any such Person, or any entity which, to the Knowledge of the Company, is controlled by any such Person
          (collectively, an &#8220;<font style="font-weight: bold;"><u>Insider</u></font>&#8221;), is a party to any contract or transaction with the Company (or any Company Subsidiary) which pertains to the business of the Company (or any Company Subsidiary) or has
          any interest in any property, real or personal or mixed, tangible or intangible, used in or pertaining to the business of the Company or any Company Subsidiary.&#160; The foregoing representation and warranty does not include deposit accounts of an
          Insider at the Company or any Company Subsidiary or loans of $250,000 or less made in the ordinary course of business to Insiders in compliance with Regulation O and other applicable Law.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(bb)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Private Placement</u></font>.&#160; Assuming the accuracy of the Investor&#8217;s representations and warranties set forth in Section 2.3 of this Agreement,
          no registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.&#160; Assuming the Stockholder Approval is obtained (if required), the issuance and sale of the Shares hereunder does not
          contravene the rules and regulations of the Nasdaq Stock Market.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">18</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(cc)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Listing and Maintenance Requirements</u></font>.&#160; The Company&#8217;s Voting Common Stock is (and at the Closing, the Class A Common Stock will be)
          registered pursuant to Section 12(b) of the Exchange Act, and the Company has taken no action designed to terminate the registration of the Voting Common Stock under the Exchange Act nor has the Company received any notification that the SEC is
          contemplating terminating such registration.&#160; The Company has not, in the 12 months preceding the date hereof, received written notice from the Nasdaq Stock Market to the effect that the Company is not in compliance with the listing or
          maintenance requirements of the Nasdaq Stock Market.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(dd)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Investment Company</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries is required to be registered as, and is not an Affiliate
          of, and immediately following the Closing will not be required to register as, an &#8220;investment company&#8221; within the meaning of the Investment Company Act of 1940, as amended.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(ee)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Acknowledgment Regarding the Investor&#8217;s Purchase of Shares</u></font>.&#160; The Company acknowledges and agrees that the Investor is acting solely in
          the capacity of an arm&#8217;s length purchaser with respect to this Agreement and the transactions contemplated hereby.&#160; The Company further acknowledges that the Investor is not acting as a financial advisor or fiduciary of the Company (or in any
          similar capacity) with respect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions and any advice given by the Investor or any of its representatives or agents in connection with this Agreement, the
          transactions contemplated hereby and the Concurrent Other Transactions is merely incidental to Investor&#8217;s purchase of the Shares.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(ff)&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>No General Solicitation or General Advertising</u></font>.&#160; Neither the Company nor any person acting on its behalf has engaged or will engage in
          any form of general solicitation or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(gg)&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Shell Company Status</u></font>.&#160; The Company is not, and has never been, an issuer identified in Rule 144(i)(1) under the Securities Act.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(hh)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Valid Issuance of Shares</u></font><font style="font-weight: bold;">.</font>&#160; The Shares sold and delivered in accordance with the terms hereof for
          the consideration expressed herein will be duly and validly issued, fully paid and nonassessable and free of restrictions on transfer other than restrictions on transfer under applicable state and federal securities laws.&#160; Assuming the accuracy
          of the representations and warranties of the Investor set forth in Section 2.3, the Shares will be issued in compliance with all applicable federal and state securities laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655909"></a><a name="z_Toc55380684"></a><a name="z_Toc56510580"></a><a name="z_Toc64047168"></a><font style="font-weight: bold;">2.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations and Warranties of the Investor</u></font>.&#160;&#160; Except as Previously Disclosed, the Investor hereby represents and warrants to the Company, as of the date hereof and as of the Closing Date (except for the representations
          and warranties that are as of a specific date which are made as of that date) that:</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">19</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; The Investor is duly organized, validly existing and in good standing under the laws of the jurisdiction
          of its organization, is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of property or the conduct of its business requires it to be so qualified and where failure to be so qualified would
          be reasonably expected to materially and adversely impair or delay its ability to perform its obligations under this Agreement or to consummate the transactions contemplated hereby.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Investor has the necessary power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The execution, delivery and performance of this
          Agreement and the consummation of the transactions contemplated hereby have been duly authorized by its board of directors, general partner or managing members, investment committee, investment adviser or other authorized person, as the case may
          be, and no further approval or authorization by any of its stockholders, partners or other equity owners, as the case may be, is required.&#160; This Agreement has been duly and validly executed and delivered by the Investor and, assuming due
          authorization, execution and delivery by the Company is the valid and binding obligation of the Investor enforceable against the Investor in accordance with its terms (except as enforcement may be limited by applicable bankruptcy, insolvency,
          reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution, delivery and performance by the Investor of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Investor with
          any of the provisions hereof, will (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would constitute a default) under, or result in the
          termination of, or accelerate the performance required by, or result in a right of termination or acceleration of, or result in the creation of any Liens upon any of the properties or assets of the Investor under any of the terms, conditions or
          provisions of (1) its articles of incorporation or bylaws, its certificate of limited partnership or partnership agreement or its similar governing documents or (2) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or
          other instrument or obligation to which the Investor is a party or by which the Investor may be bound, or to which the Investor or any of the properties or assets of the Investor may be subject, or (B) violate any Law applicable to the Investor
          or any of its properties or assets, except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to materially adversely affect the Investor&#8217;s ability to perform its obligations
          under this Agreement or consummate the transactions contemplated hereby on a timely basis.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
          delivery of this Agreement or for the purchase by the Investor of the Shares pursuant to this Agreement.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">20</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Purchase for Investment&#894; Accredited Investor Status; Pre-Existing Relationship</u></font>.&#160; The Investor acknowledges that the Shares to be
          purchased by the Investor pursuant to this Agreement have not been registered under the Securities Act or under any state securities laws and may not be resold or transferred by the Investor without such registration or appropriate reliance on
          any available exemption from such requirements.&#160; The Investor (i) is acquiring the Shares pursuant to an exemption from the registration requirements of the Securities Act and other applicable securities laws solely for investment with no present
          intention to distribute any of the Shares to any Person, (ii) will not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other applicable
          securities laws, (iii) has such knowledge and experience in financial and business matters and in investments of this type that it is capable of evaluating the merits and risks of its investment in the Shares and of making an informed investment
          decision and (iv) is an &#8220;accredited investor&#8221; (as that term is defined by Rule 501 under the Securities Act), (vi) is aware that the Company has entered into the Merger Agreement pursuant to which it is required to file with the SEC a
          Registration Statement on Form S-4 (the &#8220;<font style="font-weight: bold;"><u>Registration Statement</u></font>&#8221;), and (vi) began discussions regarding the potential for the Investment by this Agreement with representatives of the Company before
          the Registration Statement was filed with the SEC and Investor&#8217;s purchase of the Shares was not solicited by the Registration Statement or any other filing made by the Company with the SEC.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Neither the Investor, nor its Affiliates nor any of their respective officers or directors, has employed any
          broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Investor in connection with this Agreement or the
          transactions contemplated hereby.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Access to Information</u></font>.&#160; The Investor acknowledges that it has been afforded (i) the opportunity to ask such questions as it has deemed
          necessary of, and to receive answers from, representatives of the Company concerning the terms and conditions of the offering of the Shares and the merits and risks of investing in the Shares; (ii) access to information about the Company and the
          Company Subsidiaries and their respective financial condition, results of operations, business, properties, management and prospects sufficient to enable it to evaluate its investment; (iii) the opportunity to obtain such additional information
          that the Company possesses or can acquire without unreasonable effort or expense that is necessary to make an informed investment decision with respect to the Investment; and (iv) the opportunity to ask questions of management of the Company.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Reliance</u></font>.&#160; The Investor has not relied on any representation or warranty made by any Person by or on behalf of the Company,
          including, without limitation, the Placement Agents, in connection with the Investment other than those contained in this Agreement.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Placement Agents</u></font>.&#160; The Investor acknowledges that the Placement Agents have not performed any due diligence review on behalf of the
          Investor.&#160; Furthermore, the Investor will purchase the Shares directly from the Company and not from the Placement Agents and understands that neither the Placement Agents nor any other broker or dealer has any obligation to make a market in the
          Common Stock.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">21</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Accuracy of Representations</u></font>.&#160; The Investor understands that each of the Placement Agents and the Company will rely upon the truth and
          accuracy of the foregoing representations, acknowledgements and agreements in connection with the transactions contemplated by this Agreement and agrees that if any of the representations or acknowledgements made by it are no longer accurate as
          of the Closing Date, or if any of the agreements made by it are breached on or prior to the Closing Date, it shall promptly notify the Placement Agents and the Company.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 3.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655910"></a><a name="z_Toc55380685"></a><a name="z_Toc56510581"></a><a name="z_Toc64047169"></a>COVENANTS</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655911"></a><a name="z_Toc55380686"></a><a name="z_Toc56510582"></a><a name="z_Toc64047170"></a><font style="font-weight: bold;">3.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Conduct of Business Prior to Closing</u></font>.&#160; Except as otherwise expressly required or contemplated by this Agreement or applicable Law, or with the prior written consent of the Investor, between the date of this Agreement and
          the Closing, the Company shall, and the Company shall cause each Company Subsidiary to:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;use commercially reasonable efforts to conduct its business only in the ordinary course of business consistent with past practice; and</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160; &#160;&#160; use commercially reasonable efforts to (i) preserve the present business operations, organization (including officers and employees) and goodwill of the Company and any Company
          Subsidiary and (ii) preserve business relationships with customers, suppliers, consultants and others having business dealings with the Company; provided, however, that nothing in this clause (b) shall place any limit on the ability of the Board
          of Directors to act in accordance with, or require any actions that the Board of Directors may, in good faith, determine to be inconsistent with, its duties or the Company&#8217;s obligations under applicable Law or imposed by any Governmental Entity.</div>
        <div>&#160;</div>
        <div style="text-indent: 72pt;"><a name="z_Toc55380687"></a><a name="z_Toc56510583"></a><a name="z_Toc64047171"></a><a name="z_Hlk54711438"></a><font style="font-weight: bold;">3.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Use of Proceeds</u></font>.&#160;

          <a name="z_Hlk54713751"></a>The proceeds received by the Company from the sale of the Shares contemplated hereunder (net of any applicable costs and expenses) will be used in a manner consistent in all material respects with the capital
          deployment plan provided by the Company to the Investor prior to the execution of this Agreement.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-indent: 72pt;"><a name="z_Toc55380688"></a><a name="z_Toc56510584"></a><a name="z_Toc64047172"></a><font style="font-weight: bold;">3.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Regulatory Filings</u></font>.&#160; The Company
          shall make all filings pursuant to any applicable state securities laws and Regulation D of the Securities Act that are required to be made in connection with the Closing.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655912"></a><a name="z_Toc55380689"></a><a name="z_Toc56510585"></a><a name="z_Toc64047173"></a><font style="font-weight: bold;">3.4</font>&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Confidentiality</u></font>.&#160; The Investor acknowledges that the information being provided to it in connection with the transactions contemplated hereby includes confidential information that has not been publicly disclosed and agrees
          to maintain the confidentiality of the information with the same degree of care that it uses to protect its own confidential information.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655913"></a><a name="z_Toc55380690"></a><a name="z_Toc56510586"></a><a name="z_Toc64047174"></a><font style="font-weight: bold;">3.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Publicity</u></font>.&#160; The Company shall not publicly disclose the financial or other terms of the transactions contemplated hereby or the name of any Investor or any Affiliate or investment adviser of any Investor, or include the
          name of any Investor or any Affiliate or investment adviser of any Investor in any press release or filing with the SEC or the Nasdaq Stock Market and shall not use any names, trademarks, service marks or trade names of the Investor or its
          Affiliates in any form of advertising and publicity or public statements, without the prior written consent of such Investor, except (i) as required by federal securities law in connection with the filing of final transaction documents with the
          SEC or (ii) to the extent such disclosure is required by applicable law, at the request of the staff of the SEC or at the request of the Nasdaq Stock Market regulations, in which case the Company shall provide each such Investor with prior
          written notice of such disclosure and the form of such disclosure shall be subject to the approval of such Investor, such approval not to be unreasonably withheld or delayed.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">22</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">&#160;<font style="font-weight: bold;">3.6</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Commercially Reasonable Efforts</u></font>.&#160; Upon the terms and subject to the conditions herein provided,
          except as otherwise provided in this Agreement, each of the Parties hereto agrees to use its commercially reasonable efforts to take or cause to be taken all action, to do or cause to be done and to assist and cooperate with the other Party in
          doing all things necessary, proper or advisable under applicable Laws to consummate and make effective the transactions contemplated hereby, including but not limited to: (a) the satisfaction of the conditions precedent to the obligations of the
          Parties; (b) the obtaining of applicable Governmental Consents, and consents, waivers and approvals of any other third parties; (c) defending of any claim, action, suit, investigation or proceeding, whether judicial or administrative, challenging
          this Agreement or the performance of the obligations hereunder; and (d) the execution and delivery of such instruments, and the taking of such other actions as the other Party may reasonably request in order to carry out the intent of this
          Agreement.&#160; Notwithstanding the foregoing, under no circumstances will the Investor be required to disclose to the Company, the Company Subsidiaries or any third party any information the disclosure of which is prohibited by Law, nor shall it be
          required to agree to any restrictions, conditions or commitments imposed or otherwise required by any Government Entity that are determined by the Investor in its sole discretion to be unduly burdensome, other than customary passivity
          commitments, in order to consummate and make effective the transactions contemplated hereby.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655915"></a><a name="z_Toc55380692"></a><a name="z_Toc56510588"></a><a name="z_Toc64047176"></a><font style="font-weight: bold;">3.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Legend</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Investor agrees that all certificates or other instruments representing the Shares subject to this Agreement shall bear legends substantially to the following effect, until such
          time as they are not required under Section 3.7(b)</div>
        <div>&#160;</div>
        <div style="text-align: justify; margin-right: 36pt; margin-left: 36pt;">&#8220;THE SHARES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR SECURITIES LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED,
          SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO IS IN EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR SUCH LAWS.&#8221;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref54712182"></a>(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon request of the Investor, the Company shall promptly cause such legends to be removed from any certificate for any Shares to be so transferred if such
          Shares are being transferred pursuant to an exemption from the registration securities requirements of the Securities Act and applicable state Laws, subject to receipt by the Company of an opinion of counsel for the Investor reasonably
          satisfactory to the Company to the effect that such legend is no longer required under the Securities Act and applicable state Laws.&#160; The Investor acknowledges that the sale of the Shares provided for herein has not been registered under the
          Securities Act or under any state securities Laws and agrees that it shall not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other
          applicable securities Laws.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">23</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655916"></a><a name="z_Toc55380693"></a><font style="font-weight: bold;">3.8</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exchange Listing</u></font>.&#160; The Company shall use
          its reasonable best efforts to cause the Shares to be approved for listing on the Nasdaq Stock Market as promptly as possible.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655917"></a><a name="z_Toc55380694"></a><a name="z_Toc56510590"></a><a name="z_Toc64047178"></a><font style="font-weight: bold;">3.9</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorized

              Shares</u></font>.&#160; The Company will at all times reserve, free of any preemptive or similar rights of stockholders of the Company, a number of unissued shares of Class A Common Stock, sufficient to convert automatically, in accordance with
          the terms of the certificate of incorporation of the Company, all of the shares of Class C Common Stock then outstanding.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655918"></a><a name="z_Toc55380695"></a><a name="z_Toc56510591"></a><a name="z_Toc64047179"></a><font style="font-weight: bold;">3.10</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Rule 144 Reporting</u></font>.&#160; With a view to making available to the Investor the benefits of certain rules and regulations of the SEC which may permit the sale of the Shares by the Investor without registration under the Securities
          Act upon compliance with the initial holding period and other applicable requirements of Rule 144 under the Securities Act, the Company agrees to use its reasonable best efforts to:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; make and keep adequate current public information with respect to the Company available, as those terms are understood and defined in Rule 144(c)(1) or any similar or analogous rule
          promulgated under the Securities Act, at all times after the effective date of this Agreement;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; &#160; so long as the Investor owns any of the Shares, furnish to the Investor forthwith upon request: (A) a written statement by the Company as to its compliance with the reporting
          requirements of Rule 144 under the Securities Act, and of the Exchange Act; (B) a copy of the most recent annual or quarterly report of the Company; and (C) such other reports and documents as the Investor may reasonably request in availing
          itself of any rule or regulation of the SEC allowing it to sell any of the Shares without registration; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; to take such further action as the Investor may reasonably request, all to the extent required from time to time to enable the Investor to sell Shares without registration under the
          Securities Act.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655919"></a><a name="z_Toc55380696"></a><a name="z_Toc64047180"></a><font style="font-weight: bold;">3.11</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exchange Rights</u></font>.&#160;

          The Investor shall have the right from time to time to exchange any of the shares of Class A Common Stock acquired by the Investor hereunder for Class C Common Stock in order to reduce its ownership of voting common stock to less than 4.9% of the
          then outstanding shares of Class A Common Stock. Any shares of Class C Common Stock received by the Investor or any Affiliate of the Investor pursuant to this <u>Section 3.11</u> shall not be convertible by the Investor into shares of Class A
          Common Stock or any other voting security of the Company, and any such shares shall be subject to the restrictions set forth in the provisions of the Company&#8217;s certificate of incorporation relating to the Class C Common Stock.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">24</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 4.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655920"></a><a name="z_Toc55380697"></a><a name="z_Toc56510592"></a><a name="z_Toc64047181"></a>TERMINATION</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655921"></a><a name="z_Toc55380698"></a><a name="z_Toc56510593"></a><a name="z_Toc64047182"></a><font style="font-weight: bold;">4.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Termination</u></font>.&#160; This Agreement may be terminated prior to the Closing:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by mutual written agreement of the Company and the Investor;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; by either Party, upon written notice to the other Party in the event that the Closing does not occur on or before September 1, 2021; <u>provided</u>, <u>however</u>, that the right
          to terminate this Agreement pursuant to this Section 4.1(b) shall not be available to any Party whose failure to fulfill any obligation under this Agreement shall have been the cause of, or shall have resulted in, the failure of the Closing to
          occur on or prior to such date;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by either Party, upon written notice to the other Party, in the event that (i) Stockholder Approval is required under applicable Law or the rules and regulations of the Nasdaq Stock
          Market, but has not been obtained on or prior to the closing date of the Merger or (ii) the Authorized Shares Increase Approval has not been obtained on or prior to the closing date of the Merger;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by the Investor, upon written notice to the Company, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Company in this Agreement, or
          any such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(ii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date
          that would otherwise be the Closing Date in the absence of such breach or condition; provided that this Section 4.1(d) shall only apply if the Investor is not in material breach of any of the terms of this Agreement;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by the Company, upon written notice to the Investor, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Investor in this Agreement, or
          any such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(iii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the
          date that would otherwise be the Closing Date in absence of such breach or condition; provided that this Section 4.1(e) shall only apply if the Company is not in material breach of any of the terms of this Agreement; or</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by any Party, upon written notice to the other Party, in the event that any Governmental Entity shall have issued any order, decree or injunction or taken any other action
          restraining, enjoining or prohibiting any of the transactions contemplated by this Agreement, and such order, decree, injunction or other action shall have become final and non-appealable.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655922"></a><a name="z_Toc55380699"></a><a name="z_Toc56510594"></a><a name="z_Toc64047183"></a><font style="font-weight: bold;">4.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Effects of Termination</u></font>.&#160; In the event of any termination of this Agreement as provided in Section 4.1, this Agreement (other than Section 3.4, this Article 4 and Article 6 of this Agreement, which shall remain in full force
          and effect) shall forthwith become wholly void and of no further force and effect; provided, that nothing herein shall relieve any Party from liability for fraud or willful breach of this Agreement.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">25</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 5.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655923"></a><a name="z_Toc55380700"></a><a name="z_Toc56510595"></a><a name="z_Toc64047184"></a>INDEMNITY</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655924"></a><a name="z_Toc55380701"></a><a name="z_Toc56510596"></a><a name="z_Toc64047185"></a><font style="font-weight: bold;">5.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification by the Company</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; After the Closing, and subject to Sections 5.1(b), 5.3 and 5.4, the Company shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Investor and its
          Affiliates, and their respective successors and assigns, officers, directors, partners, members and employees, as applicable, (the &#8220;<font style="font-weight: bold;"><u>Investor Indemnified Parties</u></font>&#8221;) against and from, and reimburse any
          of the Investor Indemnified Parties for, all Losses that any of the Investor Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach of any representation or
          warranty made by the Company in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by the Company to perform any of its covenants or agreements contained in this Agreement.&#160; Notwithstanding anything herein to
          the contrary, the obligations of the Company under this Section 5.1(a) shall not be applicable to or inure to the benefit of any transferee of the Common Stock sold pursuant to this Agreement who is not an Affiliate of the Investor.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless any of the Investor Indemnified Parties against, or
          reimburse any of the Investor Indemnified Parties for, any Losses pursuant to Section 5.1(a) (other than Losses arising out of the inaccuracy or breach of any Company Specified Representations) until the aggregate amount of the Investor
          Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a) exceeds $100,000 (the &#8220;<font style="font-weight: bold;"><u>Threshold Amount</u></font>&#8221;),
          upon the occurrence of which the Company shall be obligated for all of the Investor Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a).&#160;
          Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless the Investor Indemnified Parties against, or reimburse the Investor Indemnified Parties for, any Losses pursuant to
          Section 5.1(a) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;For purposes of Section 5.1(a), in determining whether there has been a breach of a representation or warranty, the Parties hereto shall ignore any &#8220;materiality,&#8221; &#8220;Material Adverse
          Effect&#8221; or similar qualifications.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655925"></a><a name="z_Toc55380702"></a><a name="z_Toc56510597"></a><a name="z_Toc64047186"></a><font style="font-weight: bold;">5.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification by the Investor</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; After the Closing, and subject to Sections 5.2(b), 5.3 and 5.4, the Investor shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Company and its
          respective Affiliates and their respective successors and assigns, officers, directors, partners, members, employees, representatives and agents (collectively, the &#8220;<font style="font-weight: bold;"><u>Company Indemnified Parties</u></font>&#8221;)
          against and from, and reimburse any of the Company Indemnified Parties for, all Losses that the Company Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach
          of any representation or warranty made by the Investor in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by such Investor to perform any of its covenants or agreements contained in this Agreement.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">26</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless any of the Company Indemnified Parties against, or
          reimburse any of the Company Indemnified Parties for any Losses pursuant to Section 5.2(a)(1) until the aggregate amount of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally determined to be otherwise
          entitled to indemnification under Section 5.2(a) exceeds the Threshold Amount, upon the occurrence of which the Investor shall be obligated for all of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally
          determined to be otherwise entitled to indemnification under Section 5.2(a)(1).&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless the Company Indemnified Parties
          against, or reimburse the Company Indemnified Parties for, any Losses pursuant to Section 5.2(a)(1) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1 hereof.</div>
        <div style="margin-left: 9pt; text-indent: 63pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;For purposes of Section 5.2(a), in determining whether there has been a breach of a representation or warranty, the Parties shall ignore any &#8220;materiality&#8221; or similar qualifications.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655926"></a><a name="z_Toc55380703"></a><a name="z_Toc56510598"></a><a name="z_Toc64047187"></a><font style="font-weight: bold;">5.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Notification of Claims</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Any Person that may be entitled to be indemnified under this Article 5 (the &#8220;<font style="font-weight: bold;"><u>Indemnified Party</u></font>&#8221;) shall promptly notify the party or
          parties liable for such indemnification (the &#8220;<font style="font-weight: bold;"><u>Indemnifying Party</u></font>&#8221;) in writing of any claim in respect of which indemnity may be sought hereunder, including any pending or threatened claim or demand
          by a third party that the Indemnified Party has determined has given or could reasonably give rise to a right of indemnification under this Agreement (including a pending or threatened claim or demand asserted by a third party against the
          Indemnified Party) (each, a &#8220;<font style="font-weight: bold;"><u>Third Party Claim</u></font>&#8221;), describing in reasonable detail the facts and circumstances with respect to the subject matter of such claim or demand; provided, however, that the
          failure to provide such notice shall not release the Indemnifying Party from any of its obligations under this Agreement except to the extent that the Indemnifying Party is materially prejudiced by such failure.&#160; The Parties agree that notices
          for claims in respect of a breach of a representation, warranty, covenant or agreement must be delivered prior to the expiration of any applicable survival period specified in Section 6.1 for such representation, warranty, covenant or agreement;
          provided, that if, prior to such applicable date, a Party hereto shall have notified the other Party hereto in accordance with the requirements of this Section 5.3(a) of a claim for indemnification under this Agreement (whether or not formal
          legal action shall have been commenced based upon such claim), such claim shall continue to be subject to indemnification in accordance with this Agreement notwithstanding the passing of such applicable date.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">27</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon receipt of a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) in respect of a Third Party Claim, the Indemnifying Party may, by notice to the
          Indemnified Party delivered within twenty (20) Business Days of the receipt of notice of such Third Party Claim, assume the defense and control of any Third Party Claim, with its own counsel reasonably acceptable to the Indemnified Party and at
          its own expense.&#160; The Indemnified Party shall have the right to employ counsel on its own behalf for, and otherwise participate in the defense of, any such Third Party Claim, but the fees and expenses of its counsel will be at its own expense
          unless (A) the employment of counsel by the Indemnified Party at the Indemnifying Party&#8217;s expense has been authorized in writing by the Indemnifying Party, (B) the Indemnified Party reasonably believes there may be a conflict of interest between
          the Indemnified Party and the Indemnifying Party in the conduct of the defense of such Third Party Claim, (C) the Indemnified Party reasonably believes there are legal defenses available to it that are different from, additional to or
          inconsistent with those available to the Indemnifying Party, or (D) the Indemnifying Party has not in fact employed counsel to assume the defense of such Third Party Claim within a reasonable time after receipt of notice of the commencement of
          such Third Party Claim, in each of which cases the fees and expenses of such Indemnified Party&#8217;s counsel shall be at the expense of the Indemnifying Party; provided, however, that in the event that the Company is required to assume the fees and
          expenses of such Investor Indemnified Party&#8217;s counsel in accordance with the foregoing and such Investor Indemnified Party is similarly situated with any other &#8220;Investor Indemnified Party&#8221; under any of the other stock purchase agreements with
          respect to any Third Party Claim, and does not have any conflict of interest with such Person in the conduct of the defense of such Third Party Claim or have legal defenses available to it that are different from, additional to or inconsistent
          with those available to such Person, such Investor Indemnified Party shall be required to employ the same counsel as such Person and the Company shall be responsible for the fees and expenses of only one such counsel for such Investor Indemnified
          Party and such other Person or Persons (assuming any of clauses (A) through (D) above is satisfied).&#160; The Indemnified Party may take any actions reasonably necessary to defend such Third Party Claim prior to the time that it receives a notice
          from the Indemnifying Party as contemplated by the immediately preceding sentence.&#160; The Indemnified Party shall, and shall cause each of its Affiliates and representatives to, use reasonable best efforts to cooperate with the Indemnifying Party
          in the defense of any Third Party Claim.&#160; The Indemnifying Party shall not, without the prior written consent of the Indemnified Party (which shall not be unreasonably withheld or delayed), consent to a settlement, compromise or discharge of, or
          the entry of any judgment arising from, any Third Party Claim, unless such settlement, compromise, discharge or entry of any judgment does not involve any statement, finding or admission of any fault, culpability, failure to act, violation of Law
          or admission of any wrongdoing by or on behalf of the Indemnified Party, and the Indemnifying Party shall (i) pay or cause to be paid all amounts arising out of such settlement or judgment concurrently with the effectiveness of such settlement or
          judgment (unless otherwise provided in such judgment), (ii) not encumber any of the assets of any Indemnified Party or agree to any restriction or condition that would apply to or materially adversely affect any Indemnified Party or the conduct
          of any Indemnified Party&#8217;s business and (iii) obtain, as a condition of any settlement, compromise, discharge, entry of judgment (if applicable), or other resolution, a complete and unconditional release of each Indemnified Party in form and
          substance reasonably satisfactory to such Indemnified Party from any and all liabilities in respect of such Third Party Claim.&#160; An Indemnified Party shall not settle, compromise or consent to the entry of any judgment with respect to any claim or
          demand for which it is seeking indemnification from the Indemnifying Party or admit to any liability with respect to such claim or demand without the prior written consent of the Indemnifying Party (which consent shall not be unreasonably
          withheld or delayed); provided, that such consent shall not be required if the Indemnifying Party has not fulfilled any material obligations under this Section 5.3(b).</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">28</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;In the event any Indemnifying Party receives a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) that does not involve a Third Party Claim, the
          Indemnifying Party shall notify the Indemnified Party within twenty (20) Business Days following its receipt of such notice whether the Indemnifying Party disputes its liability to the Indemnified Party under this Agreement.&#160; The Indemnified
          Party shall reasonably cooperate with and assist the Indemnifying Party in determining the validity of any such claim for indemnity by the Indemnified Party.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655927"></a><a name="z_Toc55380704"></a><a name="z_Toc56510599"></a><a name="z_Toc64047188"></a><font style="font-weight: bold;">5.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Indemnification Payment</u></font> .&#160; In the event a claim or any Action for indemnification hereunder has been finally determined, the amount of such final determination shall be paid by the Indemnifying Party to the Indemnified
          Party on demand in immediately available funds.&#160; A claim or an Action, and the liability for and amount of damages therefor, shall be deemed to be &#8220;<u>finally determined</u>&#8221; for purposes of this Agreement when the Parties have so determined by
          mutual agreement or, if disputed, when a final non-appealable judicial order has been entered into with respect to such claim or Action.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655928"></a><a name="z_Toc55380705"></a><a name="z_Toc56510600"></a><a name="z_Toc64047189"></a><font style="font-weight: bold;">5.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Exclusive Remedies</u></font>.&#160; Subject to Section 6.14, each Party acknowledges and agrees that following the Closing, the indemnification provisions hereunder shall be the sole and exclusive remedies of the Parties for any breach of
          the representations, warranties or covenants contained in this Agreement.&#160; No investigation of the Company by the Investor, or of the Investor by the Company, whether prior to or after the date of this Agreement, shall limit any Indemnified
          Party&#8217;s exercise of any right hereunder or be deemed to be a waiver of any such right.&#160; The Parties agree that any indemnification payment made pursuant to this Agreement shall be treated as an adjustment to the Purchase Price for Tax purposes,
          unless otherwise required by Law.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 6.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655929"></a><a name="z_Toc55380706"></a><a name="z_Toc56510601"></a><a name="z_Toc64047190"></a>MISCELLANEOUS</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655930"></a><a name="z_Toc55380707"></a><a name="z_Toc56510602"></a><a name="z_Toc64047191"></a><font style="font-weight: bold;">6.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Survival</u></font>.&#160; The representations and warranties of the Parties contained in this Agreement shall survive in full force and effect until the date that is fifteen (15) months after the Closing Date (or until final resolution of
          any claim or action arising from the breach of any such representation and warranty, if notice of such breach was provided prior to the end of such period), at which time they shall terminate and no claims shall be made for indemnification under
          Section 5.1 or Section 5.2, as applicable, for breaches of representations or warranties thereafter, except the Company Specified Representations (other than the representations and warranties made in Section 2.2(v), which shall survive until the
          expiration of the applicable statute of limitations) and the Investor Specified Representations shall survive the Closing indefinitely.&#160; The covenants and agreements set forth in this Agreement shall survive until the expiration of any applicable
          statute of limitations or until performed or no longer operative in accordance with their respective terms.&#160; Notwithstanding the foregoing, the Company Specified Representations shall survive for the period of the applicable statute of
          limitations.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">29</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655931"></a><a name="z_Toc55380708"></a><font style="font-weight: bold;">6.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Other Definitions</u></font>.&#160; Wherever required by
          the context of this Agreement, the singular shall include the plural and vice versa, and the masculine gender shall include the feminine and neuter genders and vice versa, and references to any agreement, document or instrument shall be deemed to
          refer to such agreement, document or instrument as amended, supplemented or modified from time to time.&#160; In addition, the following terms shall have the meanings assigned to them below:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Affiliate</u></font>&#8221; means, with respect to any Person, any Person directly or indirectly controlling, controlled by or under common
          control with, such other Person provided that no security holder of the Company shall be deemed to be an Affiliate of any other security holder or of the Company or any of the Company Subsidiaries solely by reason of any investment in the Company
          and, for purposes of this definition, &#8220;<font style="font-weight: bold;"><u>control</u></font>&#8221; (including, with correlative meanings, the terms &#8220;<font style="font-weight: bold;"><u>controlling</u></font>&#8221;, &#8220;<font style="font-weight: bold;"><u>controlled

              by</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>under common control with</u></font>&#8221;) when used with respect to any Person, means the possession, directly or indirectly, of the power to cause the direction of management or policies
          of such Person, whether through the ownership of voting securities, by contract or otherwise;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Agency</u></font>&#8221; means the Federal Housing Administration, the Federal Home Loan Mortgage Corporation, the Farmers Home Administration
          (now known as Rural Housing and Community Development Services), the Federal National Mortgage Association, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of Agriculture or any other federal or
          state agency with authority to (i) determine any investment, origination, lending or servicing requirements with regard to mortgage loans originated, purchased or serviced by the Company or (ii) originate, purchase, or service mortgage loans, or
          otherwise promote mortgage lending, including state and local housing finance authorities;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Board of Directors</u></font>&#8221; means the Board of Directors of the Company;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Business Day</u></font>&#8221; means any day except Saturday, Sunday and any day which shall be a legal holiday or a day on which banking
          institutions in the State of New York or in the State of California generally are authorized or required by Law or other governmental actions to close;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Capital Stock</u></font>&#8221; means the capital stock or other applicable type of equity interest in a Person;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Code</u></font>&#8221; means the Internal Revenue Code of 1986, as amended;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Company Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.2(a), <u>Section 2.2(b)</u>,
          Section 2.2(c), Section 2.2(d), Section 2.2(x), Section 2.2(z) and Section 2.2(hh);</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Disclosure Schedule</u></font>&#8221; shall mean a schedule delivered, on or prior to the date of this Agreement, by (i) the Investor to the
          Company and (ii) the Company to the Investor setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express disclosure requirement contained in a provision hereof or as an exception
          to one or more representations or warranties contained in Section 2.2 with respect to the Company, or in Section 2.3 with respect to the Investor, or to one or more covenants contained in Article 3;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">30</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>GAAP</u></font>&#8221; means United States generally accepted accounting principles and practices as in effect from time to time;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Consent</u></font>&#8221; means any notice to, registration, qualification, designation, declaration or filing with, exemption or
          review by, or authorization, order, consent or approval of, any Governmental Entity, or the expiration or termination of any statutory waiting periods;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Entity</u></font>&#8221; means any court, administrative agency or commission or other governmental authority or instrumentality,
          whether federal, state, local or foreign, and any applicable industry self-regulatory organization or securities exchange;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Insurer</u></font>&#8221; means a Person who insures or guarantees for the benefit of the mortgagee all or any portion of the risk of loss
          upon borrower default on any of the mortgage loans originated, purchased or serviced by the Bank, including the Federal Housing Administration, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of
          Agriculture and any private mortgage insurer, and providers of hazard, title or other insurance with respect to such mortgage loans or the related collateral;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Investor Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.3(b)(i), Section 2.3(d) and
          Section 2.3(f);</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Knowledge</u></font>&#8221; of the Company and words of similar import mean the knowledge of any directors or executive officers of the Company
          listed on the Disclosure Schedule hereto;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Loan Investor</u></font>&#8221; means any Person (including an Agency) having a beneficial interest in any mortgage loan originated, purchased
          or serviced by the Bank or a security backed by or representing an interest in any such mortgage loan;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Losses</u></font>&#8221; means any and all losses, damages, reasonable costs, reasonable expenses (including reasonable attorneys&#8217; fees and
          disbursements), liabilities, settlement payments, awards, judgments, fines, obligations, claims, and deficiencies of any kind, excluding special, consequential, exemplary and punitive damages;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Person</u></font>&#8221; means any individual, firm, corporation, partnership, trust, incorporated or unincorporated association, joint venture,
          joint stock company, limited liability company, Governmental Entity or other entity of any kind, and shall include any successor (by merger or otherwise) of such entity;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Subsidiary</u></font>&#8221; means, with respect to any Person, any corporation, partnership, joint venture, limited liability company or
          other entity (x) of which such Person or a Subsidiary of such Person is a general partner or (y) of which a majority of the voting securities or other voting interests, or a majority of the securities or other interests of which having by their
          terms ordinary voting power to elect a majority of the board of directors or persons performing similar functions with respect to such entity, is directly or indirectly owned by such Person and/or one or more Subsidiaries thereof;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">31</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Tax</u></font>&#8221; or &#8220;<font style="font-weight: bold;"><u>Taxes</u></font>&#8221; means all United States federal, state, local or foreign
          income, profits, estimated, gross receipts, windfall profits, severance, property, intangible property, occupation, production, sales, use, license, excise, emergency excise, franchise, capital gains, capital stock, employment, withholding,
          transfer, stamp, payroll, goods and services, value added, alternative or add-on minimum tax, or any other tax, custom, duty or governmental fee, or other like assessment or charge of any kind whatsoever, together with any interest, penalties,
          fines, related liabilities or additions to tax that may become payable in respect thereof imposed by any Governmental Entity, whether or not disputed;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Tax Return</u></font>&#8221; means any return, declaration, report or similar statement required to be filed with respect to any Taxes
          (including any attached schedules), including, without limitation, any information return, claim or refund, amended return and declaration of estimated Tax;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(u)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Voting Securities</u></font>&#8221; means at any time shares of any class of Capital Stock of the Company, including but not limited to Voting
          Common Stock (or, after giving effect to the Merger Transactions, Class A Common Stock), and Voting Debt that are then entitled to vote generally in the election of directors;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the word &#8220;<font style="font-weight: bold;"><u>or</u></font>&#8221; is not exclusive;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the words &#8220;<font style="font-weight: bold;"><u>including</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>includes</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>included</u></font>&#8221;
          and &#8220;<font style="font-weight: bold;"><u>include</u></font>&#8221; are deemed to be followed by the words &#8220;without limitation&#8221;;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the terms &#8220;<font style="font-weight: bold;"><u>herein</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>hereof</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>hereunder</u></font>&#8221;
          and other words of similar import refer to this Agreement as a whole and not to any particular section, paragraph or subdivision; and</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; all article, section, paragraph or clause references not attributed to a particular document shall be references to such parts of this Agreement, and all exhibit and schedule
          references not attributed to a particular document shall be references to such exhibits and schedules to this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655932"></a><a name="z_Toc55380709"></a><a name="z_Toc56510604"></a><a name="z_Toc64047193"></a><font style="font-weight: bold;">6.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Amendment and Waivers</u></font>.&#160; The conditions to each Party&#8217;s obligation to consummate the Closing are for the sole benefit of such Party and may be waived by such Party in whole or in part to the extent permitted by Law.&#160; No
          amendment or waiver of any provision of this Agreement will be effective against any Party unless it is in a writing signed by a duly authorized officer of such Party.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655933"></a><a name="z_Toc55380710"></a><a name="z_Toc56510605"></a><a name="z_Toc64047194"></a><font style="font-weight: bold;">6.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Counterparts and Facsimile</u></font>.&#160; For the convenience of the Parties, this Agreement may be executed in any number of separate counterparts, each such counterpart being deemed to be an original instrument, and all such
          counterparts will together constitute the same agreement.&#160; Executed signature pages to this Agreement may be delivered by facsimile and such facsimiles shall be deemed as sufficient as if manually signed signature pages had been delivered.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">32</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655934"></a><a name="z_Toc55380711"></a><font style="font-weight: bold;">6.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governing Law</u></font>.&#160; This Agreement will be
          governed by and construed in accordance with the Laws of the State of California applicable to contracts made and to be performed entirely within such State.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655935"></a><a name="z_Toc55380712"></a><a name="z_Toc56510607"></a><a name="z_Toc64047196"></a><font style="font-weight: bold;">6.6</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>WAIVER OF JURY TRIAL</u></font>.&#160; TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVESTOR HEREBY IRREVOCABLY WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY RELATING TO THIS
          AGREEMENT, THE TRANSACTIONS CONTEMPLATED HEREBY WHETHER BASED ON CONTRACT, EQUITY, TORT OR ANY OTHER THEORY.&#160; THIS WAIVER OF RIGHT TO TRIAL BY JURY IS GIVEN BY INVESTOR, KNOWINGLY AND VOLUNTARILY WITH THE BENEFIT OF COMPETENT LEGAL COUNSEL.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655936"></a><a name="z_Toc55380713"></a><a name="z_Toc56510608"></a><a name="z_Toc64047197"></a><font style="font-weight: bold;">6.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Notices</u></font>.&#160; Any notice, request, instruction or other document to be given hereunder by any Party to the other will be in writing and will be deemed to have been duly given (a) on the date of delivery if delivered personally
          or by telecopy or facsimile, upon confirmation of receipt, (b) on the first Business Day following the date of dispatch if delivered by a recognized next-day courier service, or (c) on the third Business Day following the date of mailing if
          delivered by registered or certified mail, return receipt requested, postage prepaid, provided that any such notice, request, instruction or other document to be given hereunder shall not be deemed to have been duly given unless and until it is
          sent via electronic mail to the recipient thereof.&#160; All notices hereunder shall be delivered as set forth below, or pursuant to such other instructions as may be designated in writing by the Party to receive such notice.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 63pt; margin-left: 9pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;If to the Investor, to the address set forth on the Investor&#8217;s signature page to this Agreement.</div>
        <div style="margin-left: 9pt; text-indent: 63pt;">&#160;</div>
        <div style="text-align: justify; margin-left: 9pt; text-indent: 63pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; If to the Company:</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;"><a name="z_Hlk56512958"></a>Broadway Financial Corporation</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">5055 Wilshire Boulevard, Suite 500</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Los Angeles, California 90036</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Attn: Brenda Battey,</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Chief Financial Officer</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Email: bbattey@broadwayfederalbank.com</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">with a copy (which copy shall not constitute notice) to:</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Arnold &amp; Porter LLP</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">777 South Figueroa Street,</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">44th Floor</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Los Angeles, California 90017</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Attn: James R. Walther, Esq.</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Fax: (213) 243-4199</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Email: James.Walther@arnoldporter.com</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655937"></a><a name="z_Toc55380714"></a><a name="z_Toc56510609"></a><a name="z_Toc64047198"></a><font style="font-weight: bold;">6.8</font>&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Entire Agreement</u></font>.&#160; This Agreement constitutes the entire agreement, and supersede all other prior agreements, understandings, representations and warranties, inducements or conditions, both written and oral, among the
          Parties, with respect to the subject matter hereof and thereof.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">33</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655938"></a><a name="z_Toc55380715"></a><font style="font-weight: bold;">6.9</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Successors and Assigns</u></font>.&#160; This Agreement
          shall be binding upon and inure to the benefit of the Parties and their respective successors and assigns, including any purchasers of the Common Stock to be issued pursuant to this Agreement.&#160; The Company shall not assign this Agreement or any
          rights or obligations hereunder without the prior written consent of the Investor.&#160; The Investor may assign some or all of its rights hereunder or thereunder without the consent of the Company to any Affiliate of the Investor, and such assignee
          shall be deemed to be an Investor hereunder with respect to such assigned rights and shall be bound by the terms and conditions of this Agreement that apply to the Investor.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655939"></a><a name="z_Toc55380716"></a><a name="z_Toc56510611"></a><a name="z_Toc64047200"></a><font style="font-weight: bold;">6.10</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Captions</u></font>.&#160; The article, section, paragraph and clause captions herein are for convenience of reference only, do not constitute part of this Agreement and will not be deemed to limit or otherwise affect any of the provisions
          hereof.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655940"></a><a name="z_Toc55380717"></a><a name="z_Toc56510612"></a><a name="z_Toc64047201"></a><font style="font-weight: bold;">6.11</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Severability</u></font>.&#160; If any provision of this Agreement or the application thereof to any Person or circumstance is determined by a court of competent jurisdiction to be invalid, void or unenforceable, the remaining provisions
          hereof, or the application of such provision to Persons or circumstances other than those as to which it has been held invalid or unenforceable, will remain in full force and effect and shall in no way be affected, impaired or invalidated
          thereby, so long as the economic or legal substance of the transactions contemplated hereby is not affected in any manner materially adverse to any party.&#160; Upon such determination, the Parties shall negotiate in good faith in an effort to agree
          upon a suitable and equitable substitute provision to effect the original intent of the Parties.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655941"></a><a name="z_Toc55380718"></a><a name="z_Toc56510613"></a><a name="z_Toc64047202"></a><font style="font-weight: bold;">6.12</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Third Party Beneficiaries</u></font>.&#160; Nothing contained in this Agreement, expressed or implied, is intended to confer upon any Person other than the Parties, any benefit right or remedies, except that the Placement Agents may rely
          on the representations and warranties contained herein to the same extent as if they were party to this Agreement and the provisions of Sections 5.1 and 5.2 shall inure to the benefit of the Persons referred to in such Sections.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655942"></a><a name="z_Toc55380719"></a><a name="z_Toc56510614"></a><a name="z_Toc64047203"></a><font style="font-weight: bold;">6.13</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Public

              Announcements</u></font>.&#160; The Investor will not make (and will use its reasonable best efforts to ensure that its Affiliates and representatives do not make) any news release or public disclosure with respect to this Agreement and any of the
          transactions contemplated hereby, without first consulting with the Company and, in each case, also receiving the Company&#8217;s consent (which shall not be unreasonably withheld, conditioned or delayed).</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-indent: 72pt;"><a name="z_Toc53655943"></a><a name="z_Toc55380720"></a><a name="z_Toc56510615"></a><a name="z_Ref64030962"></a><a name="z_Toc64047204"></a><font style="font-weight: bold;">6.14</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Specific Performance</u></font>.&#160; The Parties agree that irreparable damage would occur in the event that any of the provisions of this Agreement were not performed in accordance with their specific terms.&#160; It is
          accordingly agreed that the Parties shall be entitled to seek specific performance of the terms hereof, this being in addition to any other remedies to which they are entitled at law or equity.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">34</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <div style="text-indent: 72pt;"><a name="z_Toc53655944"></a><a name="z_Toc55380721"></a><a name="z_Toc56510616"></a><font style="font-weight: bold;">6.15</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Recourse to Other Persons</u></font>.&#160;
          This Agreement may only be enforced against the named Parties.&#160; All claims or causes of action that may be based upon, arise out of or relate to this Agreement, or the negotiation, execution or performance of this Agreement may be made only
          against the entities that are expressly identified as Parties or that are subject to the terms hereof, and no past, present or future director, officer, employee, incorporator, member, manager, partner, stockholder, Affiliate, agent, attorney or
          representative of any Party (including any person negotiating or executing this Agreement on behalf of a Party) shall have any liability or obligation with respect to this Agreement or with respect to any claim or cause of action, whether in
          tort, contract or otherwise, that may arise out of or relate to this Agreement, or the negotiation, execution or performance of this Agreement and the transactions contemplated hereby.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-style: italic;">[<font style="font-weight: bold;">signature page follows</font>]</div>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">35</font></div>
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            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">IN WITNESS WHEREOF</font><font style="font-size: 10pt;">, the Parties have caused this Agreement to be duly executed by their
            respective authorized officers as of the day and year first above written.</font></div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="zb571cad8d3d14cf48001ca33690ff197">

            <tr>
              <td style="vertical-align: top;">
                <div style="font-weight: bold;">BROADWAY FINANCIAL CORPORATION</div>
              </td>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
            </tr>

        </table>
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              <td colspan="3" style="vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                <div>By:</div>
              </td>
              <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); width: 23%;">&#160;</td>
              <td style="width: 24%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            </tr>

        </table>
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            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div>Name:</div>
              </td>
              <td style="vertical-align: top; width: 42%;">
                <div>Wayne-Kent A. Bradshaw</div>
              </td>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div>Title:</div>
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              <td style="vertical-align: top; width: 42%;">
                <div>President and Chief Executive Officer</div>
              </td>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-align: center;">[Stock Purchase Agreement]</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
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            <tr>
              <td style="width: 50.02%; vertical-align: top;">&#160;</td>
              <td colspan="3" style="vertical-align: top;">
                <div style="font-weight: bold;">BANNER BANK</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50.02%; vertical-align: top;">&#160;</td>
              <td colspan="3" style="vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50.02%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                <div>By:</div>
              </td>
              <td style="width: 22%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
              <td style="width: 25%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50.02%; vertical-align: top;">&#160;</td>
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        <div style="text-align: center;">[Stock Purchase Agreement]</div>
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<DOCUMENT>
<TYPE>EX-10.26
<SEQUENCE>6
<FILENAME>brhc10022486_ex10-26.htm
<DESCRIPTION>EXHIBIT 10.26
<TEXT>
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      <div>
        <div style="text-align: right; font-size: 12pt; font-weight: bold;"> <font style="font-size: 10pt;">Exhibit 10.26<br>
          </font></div>
        <div style="text-align: right; font-size: 12pt; font-weight: bold;"> <font style="font-size: 10pt;"><br>
          </font></div>
        <div style="text-align: right; font-weight: bold;">EXECUTION VERSION</div>
        <div><br>
        </div>
        <div style="text-align: center;">BROADWAY FINANCIAL CORPORATION</div>
        <div><br>
        </div>
        <div style="text-align: center;">STOCK PURCHASE AGREEMENT</div>
        <div><br>
        </div>
        <div style="text-align: center;">February 19, 2021</div>
        <div style="text-align: center;"> <br>
        </div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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        <div style="text-align: center;"><u>TABLE OF CONTENTS</u></div>
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            <tr>
              <td style="vertical-align: top;" colspan="3">&#160;</td>
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              </td>
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            <tr>
              <td style="vertical-align: top;" colspan="3">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 1.</font><font style="font-size: 10pt;"> PURCHASE&#894; CLOSING</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="vertical-align: top;" colspan="3">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">1.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Issuance, Sale and Purchase</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">1.2</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Closing; Deliverables for the Closing; Conditions to the Closing</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><font style="font-weight: bold;">ARTICLE 2</font>.</font><font style="font-size: 10pt;"> REPRESENTATIONS AND WARRANTIES</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="vertical-align: top;" colspan="3">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.1</div>
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                <div style="font-weight: bold;">Certain Terms</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.2</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Representations and Warranties of the Company</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6</div>
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              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.3</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Representations and Warranties of the Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">20</div>
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              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 3.</font><font style="font-size: 10pt;"><font style="font-weight: bold;"> </font>COVENANTS</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td style="vertical-align: top;" colspan="3">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Conduct of Business Prior to Closing</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.2</div>
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                <div style="font-weight: bold;">Use of Proceeds</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
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            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.3</div>
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                <div style="font-weight: bold;">Regulatory Filings</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
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              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.4</div>
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                <div style="font-weight: bold;">Confidentiality</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
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            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.5</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Publicity</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
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            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.6</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Commercially Reasonable Efforts</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
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            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.7</div>
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                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">Legend</font><font style="font-size: 10pt;">.</font></div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
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            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.8</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Exchange Listing</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
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            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.9</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Authorized Shares</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
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            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.10</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Rule 144 Reporting</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
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            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.11</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Access to Information</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
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            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.12</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Exchange Rights</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
              </td>
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            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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            <tr>
              <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 4.</font><font style="font-size: 10pt;"> TERMINATION</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">28</div>
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            </tr>
            <tr>
              <td style="vertical-align: top;" colspan="3">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">4.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Termination</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">28</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">4.2</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Effects of Termination</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">28</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 5.</font><font style="font-size: 10pt;"> INDEMNITY</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td style="vertical-align: top;" colspan="3">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification by the Company</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
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            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.2</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification by the Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.3</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Notification of Claims</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.4</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification Payment</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.5</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Exclusive Remedies</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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            <tr>
              <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 6.</font><font style="font-size: 10pt;"><font style="font-weight: bold;"> </font>MISCELLANEOUS</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="vertical-align: top;" colspan="3">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Survival</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>

        </table>
        <div><br>
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        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">i</font></div>
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            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.2</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Other Definitions</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
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            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.3</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Amendment and Waivers</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">35</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.4</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Counterparts and Facsimile</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">36</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.5</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Governing Law</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">36</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.6</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">WAIVER OF JURY TRIAL</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">36</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.7</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Notices</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">36</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.8</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Entire Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">37</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.9</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Successors and Assigns</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">37</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.10</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Captions</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">37</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.11</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Severability</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">37</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.12</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Third Party Beneficiaries</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">37</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.13</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Public Announcements</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">37</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.14</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Specific Performance</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">37</div>
              </td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 89%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.15</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">No Recourse to Other Persons</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">38</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-align: center; font-weight: bold;"><u>INDEX OF DEFINED TERMS</u></div>
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        </div>
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            <tr>
              <td style="width: 95%; vertical-align: top;">&#160;</td>
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              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Action</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Affiliate</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Agency</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Authorized Shares Increase Approval</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Bank Merger</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Benefit Plans</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Board of Directors</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Business Day</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Capital Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>CDFI</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>CFB</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>CFB Sub</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Class A Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Class B Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Class C Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Closing</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Closing Date</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Code</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">ii</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" border="0" id="z82e27e1c6b884683a559d22c6079518e" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Employees</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Financial Statements</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Indemnified Parties</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Insurance Policies</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">15</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company IT Assets</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">10</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Reports</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Specified Representations</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Stock Plan</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Subsidiaries</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Subsidiary</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Concurrent Other Transactions</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>control</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>controlled by</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>controlling</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Disclosure Schedule</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Disqualification Event</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">19</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>EESA</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">17</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>ERISA</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>ERISA Affiliate</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">17</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Exchange Act</div>
              </td>
              <td style="width: 5%; vertical-align: top; text-align: right;">9<br>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>FDIC</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">13</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Federal Reserve</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>GAAP</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Governmental Authorizations</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">14</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Governmental Consent</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Governmental Entity</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Indemnified Party</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Indemnifying Party</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Insider</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">19</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Insurer</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Intellectual Property Rights</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Investment</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Investor Indemnified Parties</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Investor Specified Representations</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Knowledge</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Law</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">14</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Liens</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">8</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Loan Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Losses</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Material Adverse Effect</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>MDI Status</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Merger</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Merger Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Merger Transactions</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">iii</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" border="0" id="z16e2fe8f18284a9f9a61125c0dde0c91" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Multiemployer Plan</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">17</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Non-Voting Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>OFAC</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">12</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Parties</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Per Share Purchase Price</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Person</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Personal Information</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">11</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Placement Agents</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Preferred Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Previously Disclosed</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Privacy Laws</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">12</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Purchase Price</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Registration Statement</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">22</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Rule 506</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">19</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>SEC</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Securities Act</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Shares</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>SLHCA Act</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Stockholder Approval</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Subsidiary</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">35</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Surviving Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Tax</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">35</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Tax Return</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">35</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Taxes</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">35</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Third Party Claim</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Threshold Amount</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>under common control with</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Voting Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Voting Debt</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">7<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Voting Securities</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">35</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">iv</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;"><u>STOCK PURCHASE AGREEMENT</u></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">THIS STOCK PURCHASE AGREEMENT </font><font style="font-size: 10pt;">(as amended, supplemented or otherwise modified from time
            to time, this &#8220;<font style="font-weight: bold;"><u>Agreement</u></font>&#8221;) is dated as of February 19, 2021, and is entered into by and among Broadway Financial Corporation, a Delaware corporation (the &#8220;<font style="font-weight: bold;"><u>Company</u></font>&#8221;),


            and Citicorp Banking Corporation, a Delaware corporation (the &#8220;<font style="font-weight: bold;"><u>Investor</u></font>&#8221;, and together with the Company, the &#8220;<font style="font-weight: bold;"><u>Parties</u></font>&#8221;).</font></div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><u>RECITALS</u></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><a name="z_Hlk53516059"></a><font style="font-weight: bold;">WHEREAS</font>, the Company is a party to that certain Agreement and Plan of Merger (the &#8220;<font style="font-weight: bold;"><u>Merger
              Agreement</u></font>&#8221;) with CFBanc Corporation, a District of Columbia benefit corporation (&#8220;<font style="font-weight: bold;"><u>CFB</u></font>&#8221;) which provides, among other things and subject to the terms and conditions of the Merger
          Agreement, for (i) the merger of CFB with and into the Company, with the Company continuing as the surviving entity in the Merger (the &#8220;<font style="font-weight: bold;"><u>Merger</u></font>&#8221;), (ii) <font style="color: rgb(38, 38, 38);">immediately

            following the Merger, Broadway Federal Bank, f.s.b., a wholly owned subsidiary of the Company, will merge with and into City First Bank of D.C., National Association (&#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>CFB Sub</u></font><font style="color: rgb(38, 38, 38);">&#8221;), a wholly owned subsidiary of CFB (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Bank Merger</u></font><font style="color: rgb(38, 38, 38);">&#8221; and together with the Merger and </font>the


          other transactions contemplated by the Merger Agreement, the &#8220;<font style="font-weight: bold;"><u>Merger Transactions</u></font>&#8221;)<font style="color: rgb(38, 38, 38);">, with CFB Sub continuing as the surviving entity (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Surviving Bank</u></font><font style="color: rgb(38, 38, 38);">&#8221;)</font>, and (iii) the Company&#8217;s voting common stock, par value $0.01 per share, will be renamed Class A Common Stock (&#8220;<font style="font-weight: bold;"><u>Class A Common Stock</u></font>&#8221;), a new class of non-voting common stock of the Company, par value $0.01 per share, will be created which will be named Class B Common Stock (&#8220;<font style="font-weight: bold;"><u>Class


              B Common Stock</u></font>&#8221;) and the Company&#8217;s currently authorized non-voting common stock, par value $0.01 per share, will be renamed Class C Common Stock (the &#8220;<font style="font-weight: bold;"><u>Class C Common Stock</u></font>&#8221; and
          collectively, the &#8220;<font style="font-weight: bold;"><u>Common Stock</u></font>&#8221; );</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company has engaged Raymond James &amp; Associates, Inc. and Keefe, Bruyette
            &amp; Woods, Inc. as co-placement agents (the &#8220;<font style="font-weight: bold;"><u>Placement Agents</u></font>&#8221;) for the offering of the Common Stock.</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company desires to issue and sell to the Investor, and the Investor desires
            to purchase from the Company, on the terms and conditions described herein, shares of Class A Common Stock at the Per Share Purchase Price specified herein (the &#8220;<font style="font-weight: bold;"><u>Investment</u></font>&#8221;);</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made subject to completion of the Merger
            Transactions;</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made concurrently with the sale by the Company
            of shares of Class A Common Stock and Class C Common Stock at the Per Share Purchase Price via private placement to certain other investors (the &#8220;<font style="font-weight: bold;"><u>Concurrent Other Transactions</u></font>&#8221;); and</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">NOW, THEREFORE</font><font style="font-size: 10pt;">, in consideration of the premises, and of the respective representations,
            warranties, covenants and other agreements of the Parties set forth herein, the Parties hereby agree as follows:</font></div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <!--PROfilePageNumberReset%Num%2%%%-->
        <div style="text-align: center; font-weight: bold;">ARTICLE 1.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655903"></a><a name="z_Toc55380678"></a><a name="z_Toc56510574"></a><a name="z_Toc64291858"></a>PURCHASE&#894; CLOSING</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><font style="font-weight: bold;">1.1</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Issuance, Sale and Purchase</u></font>.&#160; On the terms and subject to the conditions set forth herein, the
          Company agrees to issue and sell to the Investor, and the Investor agrees to purchase from the Company, free and clear of any Liens, 1,404,494 shares of Class A Common Stock (the &#8220;<font style="font-weight: bold;"><u>Shares</u></font>&#8221;) at a per
          share purchase price of $1.78 (the &#8220;<font style="font-weight: bold;"><u>Per Share Purchase Price</u></font>&#8221;), payable to the Company in immediately available funds at the Closing; provided, however, that the number of Shares that the Investor is
          required to purchase pursuant to this Section 1.1 shall be reduced, if and to the extent necessary to cause the percentage of the Company&#8217;s Class A Common Stock held by the Investor as of immediately following the Closing and the closing of the
          Concurrent Other Transactions not to exceed 4.99% of the total number of shares of Class A Common Stock outstanding immediately following the Closing and the closing of the Concurrent Other Transactions.&#160; The aggregate purchase price payable
          pursuant to this Section 1.1 is referred to herein as the &#8220;<font style="font-weight: bold;"><u>Purchase Price</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655905"></a><a name="z_Toc55380680"></a><a name="z_Toc56510576"></a><a name="z_Toc64291860"></a><font style="font-weight: bold;">1.2</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing;


              Deliverables for the Closing; Conditions to the Closing</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing</u></font>.&#160; Unless this Agreement has been terminated pursuant to Article 4, and subject to the satisfaction or, to the extent permitted by
          Law and this Agreement, the written waiver of the conditions set forth in Section 1.2(c), the closing of the transaction contemplated by this Agreement (the &#8220;<font style="font-weight: bold;"><u>Closing</u></font>&#8221;) shall take place at the offices
          of Arnold &amp; Porter LLP, located at 777 South Figueroa Street, 44th Floor, Los Angeles, California 90017, or remotely via the electronic or other exchange of documents and signature pages, at 9:00 a.m. Pacific Time on the second Business Day
          after the satisfaction or, if permissible, waiver of the conditions set forth in Section 1.2(c) (other than those which by their nature are to be satisfied at Closing, but subject to the satisfaction or waiver of such conditions), or at such
          other place or such other date as may be agreed to by the Parties (the &#8220;<font style="font-weight: bold;"><u>Closing Date</u></font>&#8221;).</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing Deliverables</u></font>.&#160; Subject to the satisfaction or permitted waiver of the conditions to the Closing set forth in Section 1.2(c), at
          the Closing the Parties shall make the following deliveries:</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Company shall deliver to the Investor one or more certificates evidencing the Shares registered in the name of the Investor (or if the Shares are to be uncertificated, the
          Company shall deliver appropriate evidence of such registration of the Shares in the name of the Investor);</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; the Company shall deliver to the Investor a schedule setting forth the aggregate number of shares of each class of Capital Stock outstanding immediately after giving effect to the
          Merger Transactions, the Concurrent Other Transactions and the transactions contemplated hereby; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the Investor shall deliver the Purchase Price by wire transfer of immediately available funds to the account specified by the Company for this purpose by notice to the Investor
          prior to the Closing.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;">(c)&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Closing Conditions</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The obligations of the Investor, on the one hand, and the Company, on the other hand, to consummate the purchase and sale of the Shares provided for in this Agreement are each
          subject to the satisfaction or, to the extent permitted by Law and this Agreement, the waiver by the Company or the Investor, as applicable, of the following conditions to the Closing under this Agreement:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;All Governmental Consents required to have been obtained at or prior to the Closing Date in connection with the execution, delivery or performance of this Agreement and the
          consummation of the transactions contemplated hereby shall have been obtained and shall be in full force and effect;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="color: rgb(0, 0, 0);">No Law shall have been enacted or promulgated, and no action shall have been taken, by any Governmental Entity of competent jurisdiction, in each
            case that remains in effect, that temporarily, preliminarily or permanently restrains, precludes, enjoins or otherwise prohibits the Investment or makes the Investment illegal;</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">There shall not be pending any suit, action or proceeding by any Governmental Entity of competent jurisdiction seeking to restrain, preclude,
            enjoin or prohibit the Investment;</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Merger Transactions shall have been consummated in accordance with the Merger Agreement, including the approval of the Merger Agreement by the stockholders of each of the
          Company and CFB;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(E)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If required under applicable Law or the rules and regulations of the Nasdaq Stock Market, the approval by stockholders of the Company of resolutions providing for the Company&#8217;s
          issuance of the maximum number of shares of Common Stock to be issued under this Agreement and in the Concurrent Other Transactions in accordance with this Agreement, the definitive documentation relating to the Concurrent Other Transactions, and
          applicable Law and the rules and regulations of the Nasdaq Stock Market (such approval being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Stockholder Approval</u></font>&#8221;) shall have been obtained;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(F)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Approval by the stockholders of the Company to increase in the authorized number of shares of Voting Common Stock (which will become Class A Common Stock upon completion of the
          Merger) from 50,000,000 shares to 75,000,000 shares, to be effected by the filing of an amended and restated certificate of incorporation of the Company (the &#8220;<font style="font-weight: bold;"><u>Authorized Shares Increase Approval</u></font>&#8221;),<font style="font-weight: bold;">&#160;</font>shall have been obtained;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(G)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">No notice of delisting from the Nasdaq Stock Market shall have been received by the Company with respect to the Class A Common Stock and no
            proceedings for any of such purpose shall have been initiated or threatened in writing by the Nasdaq Stock Market.</font></div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">&#160;(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Investor to consummate the purchase of Shares provided for in this Agreement is also subject to the satisfaction or waiver by the Investor of the following
          conditions to the Closing:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(i) The Company Specified Representations shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on and
          as of the Closing Date and (ii) the other representations and warranties of the Company set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made
          on and as of the Closing Date, except, in the case of this clause (ii) only, to the extent that the failure to be true and correct (without regard to any materiality or Material Adverse Effect qualifications contained therein), would not
          reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect and except, in the case of clauses (i) and (ii), that representations and warranties made as of a specified date shall be true and correct as of such
          date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160; The Company shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior
          to the Closing Date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Investor shall have received a certificate, dated as of the Closing Date, signed on behalf of the Company by a senior executive officer certifying to the effect that the
          conditions set forth in Section 1.2(c)(ii)(A), Section 1.2(c)(ii)(B) and Section 1.2(c)(ii)(D) have been satisfied on and as of the Closing Date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Since the date of this Agreement, no Material Adverse Effect shall have occurred and no change or other event shall have occurred that would reasonably be expected to have,
          individually or in the aggregate, a Material Adverse Effect;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Company to consummate the sale of the Shares provided for in this Agreement is also subject to the satisfaction or written waiver by the Company of the
          following conditions to the Closing:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The representations and warranties of the Investor set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the
          Closing Date as though made on and as of the Closing Date, except to the extent that the failure to be true and correct (without regard to any materiality qualifications contained therein) would not materially adversely affect the ability of the
          Investor to perform its obligations hereunder and except that (1) representations and warranties made as of a specified date shall be true and correct as of such date and (2) the representations and warranties of the Investor set forth in
          Sections 2.3(d) and 2.3(f) shall be true and correct in all respects;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; The Investor shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior
          to the Closing Date; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company shall have received a certificate, dated as of the Closing Date, signed on behalf of the Investor by a duly authorized person certifying to the effect that the
          conditions set forth in Section 1.2(c)(iii)(A) and Section 1.2(c)(iii)(B) have been satisfied on and as of the Closing Date.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
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        </div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 2.</div>
        <div>&#160; <br>
        </div>
        <div style="text-align: center; font-weight: bold;">REPRESENTATIONS AND WARRANTIES</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655907"></a><a name="z_Toc55380682"></a><a name="z_Toc56510578"></a><a name="z_Toc64291862"></a><font style="font-weight: bold;">2.1</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Certain


              Terms</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Material Adverse Effect</u></font>&#8221; means any circumstance, event, change, development or effect that,
          individually or in the aggregate, would reasonably be expected to (i) result in a material adverse effect on the assets, liabilities, business, condition (financial or otherwise) or results of operations of the Company and the Company
          Subsidiaries, taken as a whole, or (ii) materially impair or delay the ability of the Company or any of the Company Subsidiaries to perform its or their obligations under this Agreement to consummate the Closing or any of the transactions
          contemplated hereby; provided, however, that in determining whether a Material Adverse Effect has occurred under clause (i), there shall be excluded any circumstance, event, change, development or effect to the extent resulting from (A) actions
          or omissions of the Company or any Company Subsidiary expressly required or expressly contemplated by the terms of this Agreement, (B) changes after the date hereof in general economic conditions in the United States, including financial market
          volatility or downturns, or in the markets in which the Company and the Company Subsidiaries operate, (C) changes after the date hereof affecting the banking industry generally, (D) any changes after the date hereof in applicable Laws or
          accounting rules or principles, including changes in GAAP, (E) changes in the market price or trading volume of the Common Stock or the Company&#8217;s other outstanding securities (but not the underlying causes of such changes), (F) any epidemic,
          pandemic or disease outbreak (including the Covid-19 virus) including any worsening of such conditions; or (G) any failure by the Company or any of the Company Subsidiaries to meet any internal projections or forecasts with regard to the assets,
          liabilities, business, financial condition or results of operations of the Company and the Company Subsidiaries, taken as a whole (but not the underlying causes of such failure), in each case to the extent that such circumstance, event, change,
          development or effect referred to in clauses (B), (C) and (D) do not have a disproportionate effect on the Company and the Company Subsidiaries compared to other participants in the industries or markets in which the Company and the Company
          Subsidiaries operate.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Previously Disclosed</u></font>&#8221; (i) with regard to any Party, means information set forth in its Disclosure
          Schedule under Section references corresponding with the provision of this Agreement to which such information relates (including, in the case of the Company, information identified in the Company&#8217;s Disclosure Schedule); provided, however, that
          if such information is disclosed in such a way as to make its relevance or applicability to another provision of this Agreement reasonably apparent on the face of such disclosure, such information shall be deemed to be responsive to such other
          provision of this Agreement and (ii) with regard to the Company, includes information publicly disclosed by the Company in any reports, schedules, forms, statements and other documents filed or furnished by the Company under the Securities Act
          and the Exchange Act with the Securities and Exchange Commission (the &#8220;<font style="font-weight: bold;"><u>SEC</u></font>&#8221;), including pursuant to Section 13(a) or 15(d) thereof, since December 31, 2017, in each case available prior to the date
          of this Agreement (excluding any risk factor disclosures contained in such documents under the heading &#8220;Risk Factors&#8221; and any disclosure of risks included in any &#8220;forward-looking statements&#8221; disclaimer or other statements that are similarly
          non-specific and are predictive or forward-looking in nature). Notwithstanding anything in this Agreement to the contrary, the mere inclusion of an item in a Disclosure Schedule shall not be deemed an admission that such item represents a
          material exception or material fact, event or circumstance or that such item has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">5</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div><a name="z_Toc53655908"></a><a name="z_Toc55380683"></a><a name="z_Toc56510579"></a></div>
        <div style="text-align: justify; text-indent: 81pt;"><font style="font-weight: bold;">2.2</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations and Warranties of the Company</u></font>.&#160; Except as Previously Disclosed, the Company hereby
          represents and warrants to the Investor, as of the date of this Agreement and as of the Closing Date (except for the representations and warranties that are as of a specific date, which are made as of that date) that:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; Each of the Company and the Company Subsidiaries is a corporation or other entity duly organized and validly
          existing under the laws of the jurisdiction of its incorporation or organization, is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of property or the conduct of its business requires it
          to be so qualified, except where any failure to be so qualified would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and has the corporate or other organizational power and authority to own its
          properties and assets and to carry on its business as it is now being conducted.&#160; The Company has Previously Disclosed correct and complete copies of the certificate of incorporation and bylaws (or similar governing documents) as amended through
          the date of this Agreement for the Company and Broadway Federal Bank, f.s.b. (the &#8220;<font style="font-weight: bold;"><u>Bank</u></font>&#8221;).&#160; The Company is duly registered with the Board of Governors of the Federal Reserve System (the &#8220;<font style="font-weight: bold;"><u>Federal Reserve</u></font>&#8221;) as a savings and loan holding company under the Savings and Loan Holding Company Act, as amended, 12 U.S.C. 1467a (the &#8220;<font style="font-weight: bold;"><u>SLHCA Act</u></font>&#8221;).&#160; As
          of the date hereof, the Company is a certified &#8220;community development financial institution&#8221; designated as such under the Community Development Banking and Financial Institutions Act of 1994, as amended (12 U.S.C. Sections 5311 et seq.) and its
          implementing regulations, as applicable (a &#8220;<font style="font-weight: bold;">CDFI</font>&#8221;).&#160; Following the consummation of the Bank Merger, the Surviving Bank will apply to be designated as (i) a CDFI and (ii) a &#8220;minority depository institution&#8221;
          as defined in Section 308 of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, as interpreted by the FDIC (including as set forth in the FDIC&#8217;s Statement of Policy Regarding Minority Depository Institutions dated April 9,
          2002) (such minority depository institution status, the &#8220;<font style="font-weight: bold;"><u>MDI Status</u></font>&#8221;).</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Company Subsidiaries</u></font>.&#160; As of the date of this Agreement, the Company has Previously Disclosed a true, complete and correct list of each
          entity in which the Company, directly or indirectly, owns sufficient capital stock or holds a sufficient equity or similar interest such that it is consolidated with the Company in the financial statements of the Company or has the power to elect
          a majority of the board of directors or other persons performing similar functions (each, a &#8220;<font style="font-weight: bold;"><u>Company Subsidiary</u></font>&#8221; and, collectively, the &#8220;<font style="font-weight: bold;"><u>Company Subsidiaries</u></font>&#8221;).&#160;


          Except for the Company Subsidiaries and as Previously Disclosed, the Company does not own beneficially or control, directly or indirectly, more than 5% of any class of equity securities or similar interests of any corporation, bank, business
          trust, association or similar organization, and is not, directly or indirectly, a partner in any general partnership or party to any joint venture or similar arrangement.&#160; The Company owns, directly or indirectly, all of its interests in each
          Company Subsidiary free and clear of any and all Liens.&#160; No equity security of any Company Subsidiary is or may be required to be issued by reason of any option, warrant, scrip, preemptive right, right to subscribe to, gross-up right, call or
          commitment of any character whatsoever relating to, or security or right convertible into, shares of any capital stock or other interest of such Company Subsidiary, and there are no contracts, commitments, understandings or arrangements by which
          any Company Subsidiary is bound to issue additional shares of its capital stock or other interest, or any option, warrant or right to purchase or acquire any additional shares of its capital stock.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">6</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 81pt;">(c)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Capitalization</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as set forth on the Disclosure Schedule, as of the date hereof, the authorized Capital Stock of the Company consists of 50,000,000 shares of Voting Common Stock, par value
          $0.01 per share (&#8220;<font style="font-weight: bold;"><u>Voting Common Stock</u></font>&#8221;), 25,000,000 shares of Non-Voting Common Stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Non-Voting Common Stock</u></font>&#8221;), and 1,000,000 shares
          of preferred stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Preferred Stock</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, before giving effect to the transaction provided for herein, the Merger Transactions and the Concurrent Other Transactions the Company has issued and
          outstanding: (i) 19,281,758 of shares of Voting Common Stock, including 556,169 shares of Voting Common Stock granted in respect of outstanding restricted stock awards, (ii) 1,637,902 shares of Voting Common Stock held by the trust for the
          Broadway Federal Bank, f.s.b. Employee Stock Ownership Plan, and (iii) 8,756,396 shares of Non-Voting Common Stock.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, other than in respect of awards outstanding under or issuable pursuant to the Company&#8217;s 2008 Long-Term Incentive Plan (the &#8220;<font style="font-weight: bold;"><u>Company


              Stock Plan</u></font>&#8221;) consisting of options to purchase an aggregate of 450,000 shares of common stock, and except in connection with this Agreement and the transactions contemplated hereby, the Merger Agreement and the Concurrent Other
          Transactions, the Company has not (A) agreed to issue or authorized the issuance after the date hereof of any shares of Common Stock or Preferred Stock, or any securities convertible into or exchangeable or exercisable for shares of Common Stock
          or Preferred Stock, (B) reserved for issuance any shares of Capital Stock of the Company or (C) repurchased or redeemed, or agreed to or authorized the repurchase or redemption of, any shares of Capital Stock of the Company.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; All of the issued and outstanding shares of Capital Stock of the Company have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights,
          except for the preemptive rights granted to certain institutional stockholders of the Company identified on Schedule 2.2(c)(iv) of the Company&#8217;s Disclosure Schedule.&#160; None of the outstanding shares of Capital Stock or other securities of the
          Company or any of the Company Subsidiaries was issued, sold or offered by the Company or any Company Subsidiary in violation of the Securities Act of 1933, as amended (the &#8220;<font style="font-weight: bold;"><u>Securities Act</u></font>&#8221;) or the
          securities or blue sky laws of any state or jurisdiction, or in violation of any agreement, arrangement or commitment to which the Company was or is a party or subject, or in violation of any preemptive or similar rights of any Person.&#160; No bonds,
          debentures, notes or other indebtedness having the right to vote on any matters on which the stockholders of the Company may vote (&#8220;<font style="font-weight: bold;"><u>Voting Debt</u></font>&#8221;) are issued and outstanding.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">7</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date of this Agreement, except for the outstanding awards under the Company Stock Plan, the Company does not have and is not bound by any outstanding subscriptions,
          options, warrants, calls, commitments or agreements of any character calling for the purchase or issuance of, or securities or rights convertible into or exchangeable or exercisable for, any shares of Capital Stock or Voting Debt of the Company.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(d)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company has the corporate power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The Board of Directors has approved the
          transactions contemplated by this Agreement.&#160; This Agreement has been duly and validly executed and delivered by the Company and, assuming due authorization, execution and delivery by the Investor, is the valid and binding obligation of the
          Company enforceable against the Company in accordance with its terms, except as enforcement may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to
          or affecting creditors&#8217; rights or by general equity principles (whether applied in equity or at law).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution and delivery by the Company of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Company with any of the
          provisions hereof, will, with or without the passage of time and giving of notice, (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would
          constitute a default) under, or result in the termination of, or result in the loss of any benefit or creation of any right on the part of any third party under, or accelerate the performance required by, or result in a right of termination or
          acceleration of, or result in the creation of any liens, charges, adverse rights or claims, pledges, covenants, title defects, security interests or other encumbrances of any kind (&#8220;<font style="font-weight: bold;"><u>Liens</u></font>&#8221;) upon any
          of the properties or assets of the Company or any Company Subsidiary, under any of the terms, conditions or provisions of (1) the certificate of incorporation or bylaws (or similar governing documents) of the Company and each Company Subsidiary
          or (2) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Company or any of the Company Subsidiaries is a party or by which it may be bound, or to which the Company or any
          of the Company Subsidiaries, or any of the properties or assets of the Company or any of the Company Subsidiaries may be subject, or (B) violate any Law applicable to the Company or any of the Company Subsidiaries or any of their respective
          properties or assets except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
          delivery of this Agreement or for the sale by the Company of Common Stock to the Investor pursuant to this Agreement.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">8</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 81pt;">(f)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Litigation and Other Proceedings</u></font>.&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material
          Adverse Effect, or as would not reasonably be expected to adversely impact the reputation of the Company, the Company Subsidiaries or their respective investors in any material respect, there is no pending or, to the Knowledge of the Company,
          threatened claim, action, suit, arbitration, complaint, charge or investigation or proceeding (each an &#8220;<font style="font-weight: bold;"><u>Action</u></font>&#8221;) against the Company or any Company Subsidiary or any of their respective assets,
          rights or properties, nor is the Company or any Company Subsidiary a party or named as subject to the provisions of any order, writ, injunction, settlement, judgment or decree of any court, arbitrator or government agency, or instrumentality.&#160;
          There has not been, and to the Knowledge of the Company, there is not pending or contemplated, any investigation or other Action by the SEC involving the Company or any current or former director or officer of the Company in his or her capacity
          as such.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(g)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Financial Statements</u></font>.&#160; The audited consolidated balance sheets of the Company and the Company Subsidiaries and the related consolidated
          statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s Annual Report on Form 10-K filed with the SEC for the year ended December 31, 2019 and the unaudited consolidated
          balance sheets of the Company and the Company Subsidiaries and the related unaudited consolidated statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s quarterly
          reports on Form 10-Q filed with the SEC for the quarterly period ending September 30, 2020 (collectively, the &#8220;<font style="font-weight: bold;"><u>Company Financial Statements</u></font>&#8221;) (i) have been prepared from, and are in accordance with,
          the books and records of the Company and the Company Subsidiaries, (ii) complied, as of the date of such filing, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect
          thereto, (iii) have been prepared in accordance with GAAP applied on a consistent basis and (iv) present fairly in all material respects the consolidated financial position of the Company and the Company Subsidiaries at the dates and the
          consolidated results of operations, changes in stockholders&#8217; equity and cash flows of the Company and the Company Subsidiaries for the periods stated therein.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(h)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Reports</u></font>.&#160; Since December 31, 2017, the Company and each Company Subsidiary have filed all material reports, registrations, documents,
          filings, statements and submissions, together with any required amendments thereto, that they were required to file with any Governmental Entity, including all those required under the Exchange Act, including pursuant to Section 13(a) or 15(d)
          thereof (the foregoing, collectively, being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Company Reports</u></font>&#8221;) and have paid all material fees and assessments due and payable in connection therewith.&#160; As of their
          respective filing dates, or as subsequently amended prior to the date hereof, the Company Reports complied in all material respects with all statutes and applicable rules and regulations of the applicable Governmental Entities.&#160; As of the date of
          this Agreement, there are no outstanding comments from the SEC or any other Governmental Entity with respect to any Company Report that were the subject of written correspondence that have not been resolved.&#160; The Company Reports, including the
          documents incorporated by reference in each of them, each contained all the information required to be included in it and, when it was filed and, as of the date of each such Company Report filed with the SEC, or if amended prior to the date of
          this Agreement, as of the date of such amendment, did not contain an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made in it, in light of the circumstances under which they were
          made, not misleading and complied as to form in all material respects with the applicable requirements of the Securities Act and the Securities Exchange Act of 1934, as amended (the &#8220;<font style="font-weight: bold;"><u>Exchange Act</u></font>&#8221;).&#160;
          No executive officer of the Company has failed in any respect to make the certifications required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act of 2002.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">9</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 81pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Internal Accounting and Disclosure Controls</u></font>.&#160; The records, systems, controls, data and information of the Company and the Company
          Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of the Company or the
          Company Subsidiaries (including all means of access thereto and therefrom) or reputable banking industry service providers, except for any non-exclusive ownership and non-direct control that would not reasonably be expected to have an adverse
          effect on the system of internal accounting controls described below in this Section 2.2(i).&#160; The Company (i) has implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) intended to ensure
          that material information relating to the Company, including its consolidated Subsidiaries, is made known to the chief executive officer and the chief financial officer of the Company by others within those entities, and (ii) has disclosed, based
          on its most recent evaluation prior to the date of this Agreement, to the Company&#8217;s outside auditors and the audit committee of the Board of Directors (A) any significant deficiencies and material weaknesses in the design or operation of internal
          control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) that are reasonably likely to adversely affect the Company&#8217;s ability to record, process, summarize and report financial information, and (B) any fraud, whether or
          not material, that involves management or other employees who have a significant role in the Company&#8217;s internal controls over financial reporting.&#160; As of the date of this Agreement, the Company has no Knowledge of any reason that its outside
          auditors and its chief executive and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act of 2002, without
          qualification, when due.&#160; Since December 31, 2017, neither the Company nor any Company Subsidiary nor, to the Knowledge of the Company, any director, officer, employee, auditor, accountant or representative of the Company or any Company
          Subsidiary has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods of the Company
          or any Company Subsidiary or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that the Company or any Company Subsidiary has engaged in questionable accounting or auditing practices.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="color: rgb(0, 0, 0); text-indent: 81pt;"><a name="z_Ref_ContractCompanion_9kb9Ur04C"></a>(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Data Privacy</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries have taken reasonable steps consistent with customary industry practices to protect the
          confidentiality, integrity, availability and security of the computers, servers, workstations, routers, hubs, switches, circuits, networks and other information technology equipment owned or controlled by them or by any third party and material
          to the Company and the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company IT Assets</u></font>&#8221;) (and all information and transactions stored or contained therein or transmitted thereby) against any unauthorized use, access,
          interruption, modification or corruption, and there has been no unauthorized use, access, interruption, modification or corruption of the Company IT Assets.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">10</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; In connection with their receipt, purchase, collection, securing, safeguarding, storage, transfer (including any transfer across national
          borders), disclosure, destruction/disposal, and/or use or other processing of any Personal Information, each of the Company and the Company Subsidiaries, is and has been, in material compliance with all Privacy Laws, their respective privacy
          policies and the requirements of any contract or codes of conduct to which any of the Company or the Company Subsidiaries is a party.&#160; The privacy policies of the Company are customary for the industry in which the Company operates.&#160; The Company
          and the Company Subsidiaries have commercially reasonable and appropriate physical, technical, organizational, and administrative security measures and policies in place designed to protect all Personal Information collected by them or on their
          behalf from and against unauthorized access, use, interruption, modification, corruption, and/or disclosure.&#160; The Company and the Company Subsidiaries have binding written agreements obligating (in accordance with and as required by Privacy Laws
          (as applicable)) all third parties collecting, accessing, receiving, storing or processing Personal Information on behalf of the Company and the Company Subsidiaries to (i) comply with all applicable Privacy Laws, (ii) take commercially
          reasonable and appropriate steps to protect and secure such Personal Information from and against unauthorized access, use interruption, modification, corruption, and/or disclosure which are no less stringent than those applied by the Company and
          the Company Subsidiaries and (iii) promptly notify the Company and the Company Subsidiaries of any unauthorized access, use interruption, modification, corruption, and/or disclosure of Personal Information or Company IT Assets processing Personal
          Information.&#160; The Company and the Company Subsidiaries are, and since December 31, 2017, have been, in compliance in all material respects with all Privacy Laws and any other applicable Laws in all relevant jurisdictions relating to data loss,
          theft and breach of security notification obligations.&#160; Since December 31, 2017, none of the Company or any of the Company Subsidiaries has experienced a material breach of its information technology systems or a data loss or theft as defined by
          the Laws in all relevant jurisdictions.&#160; None of the Company or any of the Company Subsidiaries has been charged with, or received any notice of any claims of, the violation in any material respect of any Privacy Laws or any of their respective
          privacy policies.&#160; The consummation of the transactions contemplated hereby will not breach or otherwise cause any violation of any Privacy Law.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; For the purposes of this <u>Section </u><u>2.2(j)</u>:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(1)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; &#8220;<u>Personal Information</u>&#8221; means, in addition to any definition provided by applicable law or by the Company and the Company
          Subsidiaries in any of their respective privacy policies, contracts, or other public-facing statements for any similar term (<font style="font-style: italic;">e.g.</font>, &#8220;personally identifiable information&#8221; or &#8220;PII&#8221;), all information
          identifying, regarding or capable of being associated with an individual person or device.&#160; Personal Information may relate to any individual, including a current, prospective or former client (or a client&#8217;s customer or end user) or employee of
          any Person, and includes information in any form, including paper, electronic and other forms.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">11</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(2)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#8220;<u>Privacy Laws</u>&#8221; means all applicable laws, legal requirements, and self-regulatory guidelines and principles relating to privacy,
          data security, and Personal Information and similar applicable consumer protection laws, including with respect to the receipt, collection, compilation, use, storage, processing, sharing, safeguarding, security, disposal, destruction, disclosure
          or transfer of Personal Information and any and all applicable laws governing breach notification in connection with Personal Information.&#160; As used in this Agreement, &#8220;Privacy Laws&#8221; shall include the California Consumer Privacy Act, General Data
          Protection Regulation and the rules and regulations promulgated thereunder, and applicable state laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(k)&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Undisclosed Liabilities</u></font>.&#160; There are no liabilities of the Company or any of the Company Subsidiaries of any kind whatsoever, whether
          accrued, contingent, absolute, determined, determinable or otherwise, except for (i) liabilities adequately reflected or reserved against in accordance with GAAP in the Company&#8217;s audited balance sheet as of December 31, 2019 and (ii) liabilities
          that have arisen in the ordinary and usual course of business and consistent with past practice since December 31, 2019 and that have not or would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(l)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Mortgage Lending</u></font>.&#160; The Company and each of the Company Subsidiaries have complied in all material respects with, and all documentation in
          connection with the origination, processing, underwriting and credit approval of any mortgage loan originated, purchased or serviced by the Company or any Company Subsidiary has satisfied, in all material respects (i) all Laws with respect to the
          origination, insuring, purchase, sale, servicing, or filing of claims in connection with mortgage loans, including all Laws relating to real estate settlement procedures, consumer credit protection, truth in lending laws, usury limitations, fair
          housing, transfers of servicing, collection practices, equal credit opportunity and adjustable rate mortgages, (ii) the responsibilities and obligations relating to mortgage loans set forth in any agreement between the Company and any Agency,
          Loan Investor or Insurer, (iii) the applicable rules, regulations, guidelines, handbooks and other requirements of any Agency, Loan Investor or Insurer and (iv) the terms and provisions of any mortgage or other collateral documents and other loan
          documents with respect to each mortgage loan.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(m)&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Bank Secrecy Act; Anti-Money Laundering; OFAC; and Customer Information</u></font>.&#160; The Company is not aware of, has not been advised of, and, to the
          Knowledge of the Company, has no reason to believe that any facts or circumstances exist that would cause it or any Company Subsidiary to be deemed to be not operating in compliance, in all material respects, with the Bank Secrecy Act of 1970, as
          amended, the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (also known as the USA PATRIOT Act), any order or regulation issued by the Treasury&#8217;s Office of Foreign Assets
          Control (&#8220;<font style="font-weight: bold;"><u>OFAC</u></font>&#8221;), or any other applicable anti-money laundering or anti-terrorist-financing statute, rule or regulation.&#160; The Company is not aware of any facts or circumstances that would cause it to
          believe that any nonpublic customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause it to undertake any material remedial action.&#160; The Company and each of the Company Subsidiaries have
          adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with the USA PATRIOT Act and such anti-money laundering program meets the requirements in
          all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and they have complied in all respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the
          regulations thereunder.&#160; The Company will not directly or indirectly use the proceeds of the sale of the Common Stock pursuant to transactions contemplated by this Agreement, or lend, contribute or otherwise make available such proceeds to any
          Company Subsidiary, joint venture partner or other Person, towards any sales or operations in any country appearing on the OFAC Specially Designated Nationals List (&#8220;<font style="font-weight: bold;"><u>SDN List</u></font>&#8221;) or for the purpose of
          financing the activities of any Person currently appearing on the SDN List.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">12</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 81pt;">(n)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Other Regulatory Matters</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, the Bank has properly administered all accounts for which it acts as
          a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian, conservator or investment advisor, in accordance with the terms of the governing documents, applicable federal and state law
          and regulation and common law.&#160; Neither the Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with respect to any such fiduciary account that could reasonably be expected to result in,
          individually or in the aggregate, a Material Adverse Effect.&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, the accountings for each such fiduciary account are true and correct
          and accurately reflect the assets of such fiduciary account.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The deposit accounts of the Bank are insured by the Federal Deposit Insurance Corporation (&#8220;<font style="font-weight: bold;"><u>FDIC</u></font>&#8221;) to the fullest extent permitted by
          the Federal Deposit Insurance Act, as amended, and the rules and regulations of the FDIC thereunder, and all premiums and assessments required to be paid in connection therewith have been paid when due (after giving effect to any applicable
          extensions). The Company beneficially owns all of the outstanding capital securities of, and has sole control of, the Bank.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(o)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Certain Payments</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries, nor any directors, officers, nor to the Knowledge of the
          Company, employees or any of their Affiliates or any other Person who to the Knowledge of the Company is associated with or acting on behalf of the Company or any of the Company Subsidiaries has directly or indirectly (i) made any contribution,
          gift, bribe, rebate, payoff, influence payment, kickback, or other payment in material violation of any Law, including the U.S. Foreign Corrupt Practices Act of 1977, as amended, and any applicable anti-bribery or anti-corruption laws, to any
          Person, private or public, regardless of form, whether in money, property, or services (A) to obtain favorable treatment in securing business for the Company or any of the Company Subsidiaries, (B) to pay for favorable treatment for business
          secured by the Company or any of the Company Subsidiaries, or (C) to obtain special concessions or for special concessions already obtained, for or in respect of the Company or any of the Company Subsidiaries or (ii) established or maintained any
          fund or asset with respect to the Company or any of the Company Subsidiaries that was required by Law or GAAP to have been recorded and was not recorded in the books and records of the Company or any of the Company Subsidiaries.&#160; <font style="color: rgb(0, 0, 0);">Neither the Company nor any Company Subsidiaries has conducted any internal investigation, made any voluntary, directed, or involuntary disclosure to any Governmental Entity, or received any audit report, written
            communication from a Governmental Entity, or whistleblower or other written complaint, involving alleged violations in any material respect of </font>the U.S. Foreign Corrupt Practices Act of 1977, as amended, and any applicable anti-bribery
          or anti-corruption laws <font style="color: rgb(0, 0, 0);">on the part of the Company, any of the Company Subsidiaries, or any Person acting on behalf of the Company or any of the Company Subsidiaries.</font></div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">13</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 81pt;">(p)&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Absence of Certain Changes</u></font>.&#160; Since December 31, 2019 and except as Previously Disclosed or as required or contemplated by the terms of this
          Agreement, (i) the Company and the Company Subsidiaries have conducted their respective businesses in all material respects in the ordinary and usual course of business consistent with past practices, (ii) through (and including) the date of this
          Agreement, no fact, event, change, condition, development, circumstance or effect has occurred that has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and (iii) no material default (or
          event which, with notice or lapse of time, or both, would constitute a material default) exists on the part of the Company or any Company Subsidiary in the due performance and observance of any term, covenant or condition of any agreement to
          which the Company or any Company Subsidiary is a party and which would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(q)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Compliance with Laws</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company, each Company Subsidiary and each of their officers, agents, representatives and employees possesses, holds and have all material permits, licenses, franchises,
          authorizations, orders, consents, registrations, accreditations and approvals of, and have made all filings, applications and registrations with, Governmental Entities that are required in order to permit the Company and each Company Subsidiary
          to own or lease their properties and assets and to carry on their business as presently conducted and that are material to the business of the Company and each Company Subsidiary (collectively, the &#8220;<font style="font-weight: bold;"><u>Governmental

              Authorizations</u></font>&#8221;).&#160; The Company and the Company Subsidiaries, and to the Company&#8217;s Knowledge, their respective officers, agents, representatives and employees, are not in default under any of such Governmental Authorizations, which
          default(s) would be, or be reasonably expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; The Company and each Company Subsidiary have complied with and (A) are not, and
          since December 31, 2017, have not been, in default or violation in any respect of, (B) are not under investigation with respect to, and (C) have not been threatened to be charged with or given notice of any material violation of, any applicable
          material domestic (federal, state or local) or foreign law, statute, ordinance, license, rule, regulation, policy or guideline, order, demand, writ, injunction, decree or judgment of any Governmental Entity (each, a &#8220;<font style="font-weight: bold;"><u>Law</u></font>&#8221;), other than such noncompliance, defaults or violations as would not reasonably be expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; No
          Governmental Entity has placed any material restriction on the business or properties of the Company or any of the Company Subsidiaries.&#160; As of the date hereof, the Bank has a Community Reinvestment Act rating of &#8220;outstanding.&#8221;</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">14</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except for normal examinations conducted by a Governmental Entity in the ordinary course of business of the Company and the Company Subsidiaries, (A) no Governmental Entity has
          initiated or has pending any proceeding or, to the Knowledge of the Company, investigation into the business or operations of the Company or any of the Company Subsidiaries since December 31, 2017, (B) there is no unresolved violation or
          exception by any Governmental Entity with respect to any report or statement relating to any examinations or inspections of the Company or any of the Company Subsidiaries, and (C) there have been no formal or informal inquiries by, or
          disagreements or disputes with, any Governmental Entity with respect to the business, operations, policies or procedures of the Company or any of the Company Subsidiaries since December 31, 2017, in each case of clauses (A) through (C), which
          would reasonably be expected, individually or in the aggregate, to be material to the Company and the Company Subsidiaries (taken as a whole).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries are not, and since December 31, 2017, have not been, in violation or default of any provisions of their respective certification of
          incorporation or bylaws (or similar governing documents).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Adequate Capitalization</u></font>.&#160; As of December 31, 2020, the Bank met or exceeded the standards necessary to be considered &#8220;adequately
          capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.&#160; As of the Closing and after giving effect to this Agreement, the transactions contemplated hereby and the Concurrent Transactions, the Bank meets or exceeds the
          standards necessary to be considered &#8220;adequately capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(s)&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Agreements with Regulatory Agencies</u></font>.&#160; The Company and the Company Subsidiaries (A) are not subject to any cease-and-desist or other similar
          order or enforcement action issued by, (B) are not a party to any written agreement, consent agreement or memorandum of understanding with, (C) are not a party to any commitment letter or similar undertaking to, and (D) are not subject to any
          capital directive by, and since December 31, 2019, neither the Company nor any of the Company Subsidiaries has adopted any board resolutions at the request of any Governmental Entity that currently restricts in any material respect the conduct of
          its business or that in any material manner relates to its capital adequacy, its liquidity and funding policies and practices, its ability to pay dividends, its credit, risk management or compliance policies, its internal controls, its management
          or its operations or business, nor has the Company nor any of the Company Subsidiaries been advised since December 31, 2019 by any Governmental Entity that it is considering issuing, initiating, ordering, or requesting any of the same.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(t)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Insurance</u></font>.&#160; The Company and each of the Company Subsidiaries are presently insured, and have been insured for at least the past two years,
          for reasonable amounts with financially sound and reputable insurance companies against such risks as companies engaged in a similar business would, in accordance with good business practice, customarily be insured.&#160; All of the policies, bonds
          and other arrangements providing for the foregoing (the &#8220;<font style="font-weight: bold;"><u>Company Insurance Policies</u></font>&#8221;) are in full force and effect, the premiums due and payable thereon have been or will be timely paid through the
          Closing Date, and there is no material breach or default (and no condition exists or event has occurred that, with the giving of notice or lapse of time or both, would constitute such a material breach or default) by the Company or any of the
          Company Subsidiaries under any of the Company Insurance Policies or, to the Knowledge of the Company, by any other party to the Company Insurance Policies.&#160; Neither the Company nor any of the Company Subsidiaries has received any written notice
          of cancellation or non-renewal of any Company Insurance Policy nor, to the Knowledge of the Company, is the termination of any such policies threatened in writing by the insurer, and there is no material claim for coverage by the Company, or any
          of the Company Subsidiaries, pending under any of such Company Insurance Policies as to which coverage has been denied or disputed by the underwriters of such Company Insurance Policies or in respect of which such underwriters have reserved their
          rights.&#160; To the Company&#8217;s Knowledge, no facts or circumstances exist that would prevent the Company and the Company Subsidiaries from renewing its existing insurance coverage as and when such coverage expires or to obtain substantially similar
          coverage from similar insurers as may be necessary to continue its business.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">15</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 81pt;">(u)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Title</u></font>.&#160; The Company and the Company Subsidiaries have good and marketable title in fee simple to all real property owned by them and good
          and valid title to all material personal property owned by them, in each case free and clear of all Liens, except for Liens which do not materially affect the value of such property or do not interfere with the use made and proposed to be made of
          such property by the Company or any Company Subsidiary.&#160; Any real property and facilities held under lease by the Company or the Company Subsidiaries are leased pursuant to valid, subsisting and enforceable leases with such exceptions that are
          not material and do not interfere with the use made and proposed to be made of such property and facilities by the Company or the Company Subsidiaries.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="color: rgb(0, 0, 0); font-size: 12pt; text-indent: 81pt;"><a name="z_Toc334353686"></a><a name="z_Ref210137921"></a><font style="font-size: 10pt;">(v)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Intellectual


                Property</u></font><font style="font-weight: bold;">.</font>&#160; The Company and the Company Subsidiaries own or possess adequate rights or licenses to use all trademarks, service marks and all applications and registrations therefor, trade
            names, patents, patent rights, copyrights, original works of authorship, inventions, trade secrets and other intellectual property rights (collectively, &#8220;<font style="font-weight: bold;"><u>Intellectual Property Rights</u></font>&#8221;) used in
            their businesses as conducted on the date of this Agreement, except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.&#160; To the Knowledge of the Company, no product or service of the Company
            or the Company Subsidiaries infringes the Intellectual Property Rights of others.</font></div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(w)&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Employee Benefits</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Section 2.2(v) of the Disclosure Schedule sets forth a correct and complete list of each &#8220;<u>employee benefit plan</u>&#8221; (within the meaning of Section 3(3) of the Employee
          Retirement Income Security Act of 1974, as amended (&#8220;<font style="font-weight: bold;"><u>ERISA</u></font>&#8221;), including, without limitation, multiemployer plans within the meaning of Section 3(37) of ERISA), and all stock purchase, stock option,
          severance, employment, change-in-control, fringe benefit, bonus, incentive, deferred compensation and all other employee benefit plans, agreements, programs, policies or other arrangements, whether or not subject to ERISA (including any funding
          mechanism therefor now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (A) any current or former employee or director of
          the Company or any of the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company Employees</u></font>&#8221;) has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or any of
          the Company Subsidiaries or (B) the Company or any Company Subsidiary has had or has any present or future liability. All such plans, agreements, programs, policies and arrangements are collectively referred herein to as the &#8220;<font style="font-weight: bold;"><u>Benefit Plans</u></font>.&#8221;</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">16</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (A) Each Benefit Plan has been established and administered in all material respects in accordance with its terms, and in compliance with the applicable provisions of ERISA, the
          Code and other Laws&#894; (B) no &#8220;reportable event&#8221; (as such term is defined in Section 4043 of ERISA) that could reasonably be expected to result in material liability has occurred with respect to any Benefit Plan, and (C) no non-exempt &#8220;prohibited
          transaction&#8221; (as such term is defined in Section 406 of ERISA and Section 4975 of the Code) has been engaged in by the Company or any Company Subsidiary with respect to any Benefit Plan that has or is expected to result in any material liability
          or &#8220;accumulated funding deficiency&#8221; (as such term is defined in Section 302 of ERISA and Section 412 of the Code (whether or not waived)).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries will be in compliance, as of the Closing Date, with Sections 111 and 302 of the Emergency Economic Stabilization Act of 2008, as amended by
          the U.S. American Recovery and Reinvestment Act of 2009, including all guidance issued thereunder by a Governmental Entity (collectively &#8220;<font style="font-weight: bold;"><u>EESA</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; None of the Company or any Company Subsidiary or any trade or business, whether or not incorporated (an &#8220;<font style="font-weight: bold;"><u>ERISA Affiliate</u></font>&#8221;), all of which
          together with the Company or any Company Subsidiary would be deemed a &#8220;single employer&#8221; within the meaning of Section 4001 of ERISA, has, at any time during the last six years, contributed to or been obligated to contribute to any plan that is
          (i) subject to Title IV or Section 302 of ERISA or Section 412 or 4971 of the Code or (ii) a &#8220;multiemployer plan&#8221; within the meaning of Section 4001(a)(3) of ERISA (a &#8220;<font style="font-weight: bold;"><u>Multiemployer Plan</u></font>&#8221;) or a plan
          that has two or more contributing sponsors at least two of whom are not under common control, within the meaning of Section 4063 of ERISA; and none of Company and the Company Subsidiaries nor any of their respective ERISA Affiliates has incurred
          any liability to a Multiemployer Plan as a result of a complete or partial withdrawal from such Multiemployer Plan, as those terms are defined in Part I of Subtitle E of Title IV of ERISA.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the Company nor any Company Subsidiary has any material unfunded liabilities existing under or in connection with any Benefit Plan, and each such Benefit Plan has been
          established and administered in all respects in accordance with its terms, and in compliance with applicable law, except where failure to be in compliance would not reasonably be expected to result in, individually or in the aggregate, a Material
          Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(vi)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution of this Agreement nor the consummation of the transactions contemplated hereby could (either alone or in conjunction with any other event) reasonably be
          expected to result in, cause the accelerated vesting, funding or delivery of, or increase the amount or value of, any payment or benefit to any employee, officer or director of the Company or any Company Subsidiary.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">17</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 81pt;">(x)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Taxes</u></font>.&#160; All material Tax Returns required to be filed by, or on behalf of, the Company or the Company Subsidiaries have been timely filed,
          or will be timely filed, in accordance with all Laws, and all such Tax Returns are, or will be at the time of filing, complete and correct in all material respects.&#160; The Company and the Company Subsidiaries have timely paid all material Taxes due
          and payable (whether or not shown on such Tax Returns), or, where payment is not yet due, have made adequate financial statement provisions therefor in accordance with GAAP.&#160; There are no Liens with respect to Taxes upon any of the assets or
          properties of either the Company or the Company Subsidiaries other than with respect to Taxes not yet due and payable.&#160; As of the date of this Agreement, there are not pending or threatened in writing, any audits, examinations, investigations or
          other proceedings initiated by the Internal Revenue Service in respect of U.S. federal income tax matters.&#160; None of the Company or any of the Company Subsidiaries has been a &#8220;controlled corporation&#8221; or a &#8220;distributing corporation&#8221; in any
          distribution occurring during the two-year period ending on the date hereof that was purported or intended to be governed by Section 355 of the Code (or any similar provision of state, local or foreign Law).&#160; The Company and each Company
          Subsidiary is, and has been since the date of its formation, a corporation for U.S. federal income tax purposes, and neither the Company nor any Company Subsidiary has elected pursuant to the Code to be treated as a Subchapter S corporation
          pursuant to Section 1362(a) of the Code, nor has it made any other elections pursuant to the Code (other than elections that relate solely to methods of accounting, depreciation or amortization) that would have, or be <font style="color: rgb(0, 0, 0);">reasonably expected to result in, </font>individually or in the aggregate, <font style="color: rgb(0, 0, 0);">a Material Adverse Effect.</font></div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(y)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Labor</u></font>.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Employees of the Company and the Company Subsidiaries are not represented by any labor union nor are any collective bargaining agreements otherwise in effect with respect to such
          employees.&#160; No labor organization or group of employees of the Company or any Company Subsidiary has made a pending demand for recognition or certification, and there are no representation or certification proceedings or petitions presently
          pending or threatened to be brought or filed with the National Labor Relations Board or any other labor relations tribunal or authority, nor have there been in the last three years.&#160; There are no strikes, work stoppages, slowdowns, labor
          picketing lockouts, material arbitrations or material grievances, or other material labor disputes pending or, to the Knowledge of the Company, threatened against or involving the Company or any Company Subsidiary, nor have there been any in the
          past year.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, the Company and the Company Subsidiaries are in compliance with all
          federal and state Laws and requirements respecting employment and employment practices, terms and conditions of employment, collective bargaining, disability, immigration, health and safety, wages, hours and benefits, non-discrimination in
          employment, workers&#8217; compensation and the collection and payment of withholding and/or payroll taxes and similar taxes.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160; There is no charge or complaint pending or threatened before any Governmental Entity alleging unlawful discrimination in employment practices, unfair labor practices or other unlawful
          employment practices by the Company or any Company Subsidiary.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160;&#160; To the Knowledge of the Company, since December 31, 2017, (i) no allegations of sexual harassment or misconduct have been made against (A) an officer of the Company or any of the
          Company Subsidiaries, (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of
          $75,000, and (ii) neither the Company nor any of the Company Subsidiaries has entered into any settlement agreements related to allegations of sexual harassment or misconduct by (A) an officer of the Company or any of the Company Subsidiaries,
          (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">18</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 81pt;">(z)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Except as Previously Disclosed, neither the Company nor any of its officers, directors, employees or agents has
          employed any broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Company in connection with this Agreement or
          the transactions contemplated hereby, the fees of which would be payable by the Investor.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(aa)&#160;&#160;&#160; <font style="font-weight: bold;"><u>Offering of Securities</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the Company nor any Person acting on its behalf has taken any action (including any offering of any securities of the Company under circumstances which would require the
          integration of such offering with the offering of any of the Shares to be issued pursuant to this Agreement under the Securities Act and the rules and regulations of the SEC promulgated thereunder) which would subject the offering, issuance or
          sale of any of the Shares to be issued pursuant to this Agreement to be subject to the registration requirements of the Securities Act.&#160; Neither the Company nor any Person acting on its behalf has engaged or will engage in any form of general
          solicitation or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares pursuant to the transactions contemplated by this Agreement.&#160; Assuming the accuracy of the
          Investor&#8217;s representations and warranties set forth in this Agreement, no registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company is not disqualified from relying on Rule 506 of Regulation D (&#8220;<font style="font-weight: bold;">Rule 506</font>&#8221;) under the Securities Act for any of the reasons stated
          in Rule 506(d) (each such reason, a &#8220;<font style="font-weight: bold;">Disqualification Event</font>&#8221;) in connection with the issuance and sale of the Shares to the Investor.&#160; The Company has furnished the Investor, a reasonable time prior to the
          date hereof, a description in writing of any matters that would have triggered disqualification under Rule 506(d) but which occurred before September 23, 2013, in each case, in compliance with the disclosure requirements of Rule 506(e).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(bb)&#160;&#160;&#160; <font style="font-weight: bold;"><u>Affiliate Transactions</u></font>.&#160; No officer, director, five percent (5%) stockholder or other Affiliate of the Company (or any Company Subsidiary),
          or any individual who, to the Knowledge of the Company, is related by marriage or adoption to or shares the same home as any such Person, or any entity which, to the Knowledge of the Company, is controlled by any such Person (collectively, an &#8220;<font style="font-weight: bold;"><u>Insider</u></font>&#8221;), is a party to any contract or transaction with the Company (or any Company Subsidiary) which pertains to the business of the Company (or any Company Subsidiary) or has any interest in any
          property, real or personal or mixed, tangible or intangible, used in or pertaining to the business of the Company or any Company Subsidiary.&#160; The foregoing representation and warranty does not include deposit accounts of an Insider at the Company
          or any Company Subsidiary or loans of $250,000 or less made in the ordinary course of business to Insiders in compliance with Regulation O and other applicable Law.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">19</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 81pt;">(cc)&#160;&#160;&#160; <font style="font-weight: bold;"><u>Private Placement</u></font>.&#160; Assuming the accuracy of the Investor&#8217;s representations and warranties set forth in Section 2.3 of this Agreement, no
          registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.&#160; Assuming the Stockholder Approval is obtained (if required), the issuance and sale of the Shares hereunder does not contravene
          the rules and regulations of the Nasdaq Stock Market.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(dd)&#160;&#160;&#160; <font style="font-weight: bold;"><u>Listing and Maintenance Requirements</u></font>.&#160; The Company&#8217;s Voting Common Stock is (and at the Closing, the Class A Common Stock will be)
          registered pursuant to Section 12(b) of the Exchange Act, and the Company has taken no action designed to terminate the registration of the Voting Common Stock under the Exchange Act nor has the Company received any notification that the SEC is
          contemplating terminating such registration.&#160; The Company has not, in the 12 months preceding the date hereof, received written notice from the Nasdaq Stock Market to the effect that the Company is not in compliance with the listing or
          maintenance requirements of the Nasdaq Stock Market.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(ee)&#160;&#160;&#160; <font style="font-weight: bold;"><u>Investment Company</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries is required to be registered as, and is not an Affiliate of,
          and immediately following the Closing will not be required to register as, an &#8220;investment company&#8221; within the meaning of the Investment Company Act of 1940, as amended.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(ff)&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Acknowledgment Regarding the Investor&#8217;s Purchase of Shares</u></font>.&#160; The Company acknowledges and agrees that the Investor is acting solely in the
          capacity of an arm&#8217;s length purchaser with respect to this Agreement and the transactions contemplated hereby.&#160; The Company further acknowledges that the Investor is not acting as a financial advisor or fiduciary of the Company (or in any similar
          capacity) with respect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions and any advice given by the Investor or any of its representatives or agents in connection with this Agreement, the transactions
          contemplated hereby and the Concurrent Other Transactions is merely incidental to Investor&#8217;s purchase of the Shares.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(gg)&#160;&#160;&#160; <font style="font-weight: bold;"><u>No General Solicitation or General Advertising</u></font>.&#160; Neither the Company nor any person acting on its behalf has engaged or will engage in any
          form of general solicitation or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(hh)&#160;&#160;&#160; <font style="font-weight: bold;"><u>Shell Company Status</u></font>.&#160; The Company is not, and has never been, an issuer identified in Rule 144(i)(1) under the Securities Act.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(ii)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Valid Issuance of Shares</u></font><font style="font-weight: bold;">.</font>&#160; The Shares sold and delivered in accordance with the terms hereof for
          the consideration expressed herein will be duly and validly issued, fully paid and nonassessable and free of restrictions on transfer other than restrictions on transfer under applicable state and federal securities laws.&#160; Assuming the accuracy
          of the representations and warranties of the Investor set forth in Section 2.3, the Shares will be issued in compliance with all applicable federal and state securities laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655909"></a><a name="z_Toc55380684"></a><a name="z_Toc56510580"></a><a name="z_Toc64291864"></a><font style="font-weight: bold;">2.3</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations


              and Warranties of the Investor</u></font>.&#160;&#160; Except as Previously Disclosed, the Investor hereby represents and warrants to the Company, as of the date hereof and as of the Closing Date (except for the representations and warranties that are
          as of a specific date which are made as of that date) that:</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">20</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; The Investor is duly organized, validly existing and in good standing under the laws of the jurisdiction of
          its organization, is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of property or the conduct of its business requires it to be so qualified and where failure to be so qualified would be
          reasonably expected to materially and adversely impair or delay its ability to perform its obligations under this Agreement or to consummate the transactions contemplated hereby.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Investor has the necessary power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The execution, delivery and performance of this
          Agreement and the consummation of the transactions contemplated hereby have been duly authorized by its board of directors, general partner or managing members, investment committee, investment adviser or other authorized person, as the case may
          be, and no further approval or authorization by any of its stockholders, partners or other equity owners, as the case may be, is required.&#160; This Agreement has been duly and validly executed and delivered by the Investor and, assuming due
          authorization, execution and delivery by the Company is the valid and binding obligation of the Investor enforceable against the Investor in accordance with its terms (except as enforcement may be limited by applicable bankruptcy, insolvency,
          reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution, delivery and performance by the Investor of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Investor with
          any of the provisions hereof, will (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would constitute a default) under, or result in the
          termination of, or accelerate the performance required by, or result in a right of termination or acceleration of, or result in the creation of any Liens upon any of the properties or assets of the Investor under any of the terms, conditions or
          provisions of (1) its articles of incorporation or bylaws, its certificate of limited partnership or partnership agreement or its similar governing documents or (2) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or
          other instrument or obligation to which the Investor is a party or by which the Investor may be bound, or to which the Investor or any of the properties or assets of the Investor may be subject, or (B) violate any Law applicable to the Investor
          or any of its properties or assets, except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to materially adversely affect the Investor&#8217;s ability to perform its obligations
          under this Agreement or consummate the transactions contemplated hereby on a timely basis.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
          delivery of this Agreement or for the purchase by the Investor of the Shares pursuant to this Agreement.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">21</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
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        </div>
        <div style="text-align: justify; text-indent: 81pt;">(d)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Purchase for Investment&#894; Accredited Investor Status; Pre-Existing Relationship</u></font>.&#160; The Investor acknowledges that the Shares to be purchased
          by the Investor pursuant to this Agreement have not been registered under the Securities Act or under any state securities laws and may not be resold or transferred by the Investor without such registration or appropriate reliance on any
          available exemption from such requirements.&#160; The Investor (i) is acquiring the Shares pursuant to an exemption from the registration requirements of the Securities Act and other applicable securities laws solely for investment with no present
          intention to distribute any of the Shares to any Person, (ii) will not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other applicable
          securities laws, (iii) has such knowledge and experience in financial and business matters and in investments of this type that it is capable of evaluating the merits and risks of its investment in the Shares and of making an informed investment
          decision and (iv) is an &#8220;accredited investor&#8221; (as that term is defined by Rule 501 under the Securities Act), (vi) is aware that the Company has entered into the Merger Agreement pursuant to which it is required to file with the SEC a
          Registration Statement on Form S-4 (the &#8220;<font style="font-weight: bold;"><u>Registration Statement</u></font>&#8221;), and (vi) began discussions regarding the potential for the Investment by this Agreement with representatives of the Company before
          the Registration Statement was filed with the SEC and Investor&#8217;s purchase of the Shares was not solicited by the Registration Statement or any other filing made by the Company with the SEC.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(e)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Neither the Investor, nor its Affiliates nor any of their respective officers or directors, has employed any broker
          or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Investor in connection with this Agreement or the transactions
          contemplated hereby.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(f)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Access to Information</u></font>.&#160; The Investor acknowledges that it has been afforded (i) the opportunity to ask such questions as it has deemed
          necessary of, and to receive answers from, representatives of the Company concerning the terms and conditions of the offering of the Shares and the merits and risks of investing in the Shares; (ii) access to information about the Company and the
          Company Subsidiaries and their respective financial condition, results of operations, business, properties, management and prospects sufficient to enable it to evaluate its investment; (iii) the opportunity to obtain such additional information
          that the Company possesses or can acquire without unreasonable effort or expense that is necessary to make an informed investment decision with respect to the Investment; and (iv) the opportunity to ask questions of management of the Company.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(g)&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Reliance</u></font>.&#160; The Investor has not relied on any representation or warranty made by any Person by or on behalf of the Company, including,
          without limitation, the Placement Agents, in connection with the Investment other than those contained in this Agreement.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(h)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Placement Agents</u></font>.&#160; The Investor acknowledges that the Placement Agents have not performed any due diligence review on behalf of the
          Investor.&#160; Furthermore, the Investor will purchase the Shares directly from the Company and not from the Placement Agents and understands that neither the Placement Agents nor any other broker or dealer has any obligation to make a market in the
          Common Stock.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">22</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;">(i)&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Accuracy of Representations</u></font>.&#160; The Investor understands that each of the Placement Agents and the Company will rely upon the truth and
          accuracy of the foregoing representations, acknowledgements and agreements in connection with the transactions contemplated by this Agreement and agrees that if any of the representations or acknowledgements made by it are no longer accurate as
          of the Closing Date, or if any of the agreements made by it are breached on or prior to the Closing Date, it shall promptly notify the Placement Agents and the Company.</div>
        <div style="text-align: center; font-weight: bold;"> <br>
        </div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 3.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655910"></a><a name="z_Toc55380685"></a><a name="z_Toc56510581"></a><a name="z_Toc64291865"></a>COVENANTS</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655911"></a><a name="z_Toc55380686"></a><a name="z_Toc56510582"></a><a name="z_Toc64291866"></a><font style="font-weight: bold;">3.1</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Conduct


              of Business Prior to Closing</u></font>.&#160; Except as otherwise expressly required or contemplated by this Agreement or applicable Law, or with the prior written consent of the Investor, between the date of this Agreement and the Closing, the
          Company shall, and the Company shall cause each Company Subsidiary to:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160; use commercially reasonable efforts to conduct its business only in the ordinary course of business consistent with past practice; and</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160;&#160; &#160; use commercially reasonable efforts to (i) preserve the present business operations, organization (including officers and employees) and goodwill of the Company and any Company
          Subsidiary and (ii) preserve business relationships with customers, suppliers, consultants and others having business dealings with the Company; provided, however, that nothing in this clause (b) shall place any limit on the ability of the Board
          of Directors to act in accordance with, or require any actions that the Board of Directors may, in good faith, determine to be inconsistent with, its duties or the Company&#8217;s obligations under applicable Law or imposed by any Governmental Entity.</div>
        <div>&#160;</div>
        <div style="text-indent: 81pt;"><a name="z_Toc55380687"></a><a name="z_Toc56510583"></a><a name="z_Toc64291867"></a><a name="z_Hlk54711438"></a><font style="font-weight: bold;">3.2</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Use of Proceeds</u></font>.&#160;


          <a name="z_Hlk54713751"></a>The proceeds received by the Company from the sale of the Shares contemplated hereunder (net of any applicable costs and expenses) will be used in a manner consistent in all material respects with the capital
          deployment plan provided by the Company to the Investor prior to the execution of this Agreement.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-indent: 81pt;"><a name="z_Toc55380688"></a><a name="z_Toc56510584"></a><a name="z_Toc64291868"></a><font style="font-weight: bold;">3.3</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Regulatory Filings</u></font>.&#160; The Company
          shall make all filings pursuant to any applicable state securities laws and Regulation D of the Securities Act that are required to be made in connection with the Closing.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655912"></a><a name="z_Toc55380689"></a><a name="z_Toc56510585"></a><a name="z_Toc64291869"></a><font style="font-weight: bold;">3.4</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Confidentiality</u></font>.&#160;


          The Investor acknowledges that the information being provided to it in connection with the transactions contemplated hereby includes confidential information that has not been publicly disclosed and agrees to maintain the confidentiality of the
          information with the same degree of care that it uses to protect its own confidential information.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">23</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655913"></a><a name="z_Toc55380690"></a><font style="font-weight: bold;">3.5</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Publicity</u></font>.&#160; The Company shall not publicly
          disclose the financial or other terms of the transactions contemplated hereby or the name of any Investor or any Affiliate or investment adviser of any Investor, or include the name of any Investor or any Affiliate or investment adviser of any
          Investor in any press release or filing with the SEC or the Nasdaq Stock Market and shall not use any names, trademarks, service marks or trade names of the Investor or its Affiliates in any form of advertising and publicity or public statements,
          without the prior written consent of such Investor, except (i) as required by federal securities law in connection with the filing of final transaction documents with the SEC or (ii) to the extent such disclosure is required by applicable law, at
          the request of the staff of the SEC or at the request of the Nasdaq Stock Market regulations, in which case the Company shall provide each such Investor with prior written notice of such disclosure and the form of such disclosure shall be subject
          to the approval of such Investor, such approval not to be unreasonably withheld or delayed.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655914"></a><a name="z_Toc55380691"></a><a name="z_Toc56510587"></a><a name="z_Toc64291871"></a><font style="font-weight: bold;">3.6</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Commercially


              Reasonable Efforts</u></font>.&#160; Upon the terms and subject to the conditions herein provided, except as otherwise provided in this Agreement, each of the Parties hereto agrees to use its commercially reasonable efforts to take or cause to be
          taken all action, to do or cause to be done and to assist and cooperate with the other Party in doing all things necessary, proper or advisable under applicable Laws to consummate and make effective the transactions contemplated hereby, including
          but not limited to: (a) the satisfaction of the conditions precedent to the obligations of the Parties; (b) the obtaining of applicable Governmental Consents, and consents, waivers and approvals of any other third parties; (c) defending of any
          claim, action, suit, investigation or proceeding, whether judicial or administrative, challenging this Agreement or the performance of the obligations hereunder; and (d) the execution and delivery of such instruments, and the taking of such other
          actions as the other Party may reasonably request in order to carry out the intent of this Agreement.&#160; Notwithstanding the foregoing, under no circumstances will the Investor be required to disclose to the Company, the Company Subsidiaries or any
          third party any information the disclosure of which is prohibited by Law, nor shall it be required to agree to any restrictions, conditions or commitments imposed or otherwise required by any Government Entity that are determined by the Investor
          in its sole discretion to be unduly burdensome, other than customary passivity commitments, in order to consummate and make effective the transactions contemplated hereby.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655915"></a><a name="z_Toc55380692"></a><a name="z_Toc56510588"></a><a name="z_Toc64291872"></a><font style="font-weight: bold;">3.7</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Legend</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160; The Investor agrees that all certificates or other instruments representing the Shares subject to this Agreement shall bear legends substantially to the following effect, until such
          time as they are not required under Section 3.7(b)</div>
        <div>&#160;</div>
        <div style="text-align: justify; margin-right: 36pt; margin-left: 36pt;">&#8220;THE SHARES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR SECURITIES LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED,
          SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO IS IN EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR SUCH LAWS.&#8221;</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">24</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160;&#160;&#160;&#160; Upon request of the Investor, the Company shall promptly cause such legends to be removed from any certificate for any Shares to be so transferred if such Shares are being transferred
          pursuant to an exemption from the registration securities requirements of the Securities Act and applicable state Laws, subject to receipt by the Company of an opinion of counsel for the Investor reasonably satisfactory to the Company to the
          effect that such legend is no longer required under the Securities Act and applicable state Laws.&#160; The Investor acknowledges that the sale of the Shares provided for herein has not been registered under the Securities Act or under any state
          securities Laws and agrees that it shall not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other applicable securities Laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655916"></a><a name="z_Toc55380693"></a><a name="z_Toc56510589"></a><a name="z_Ref64224932"></a><a name="z_Toc64291873"></a><font style="font-weight: bold;">3.8</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exchange Listing</u></font>.&#160; The Company shall use its reasonable best efforts to cause the Shares to be approved for listing on the Nasdaq Stock Market as promptly as possible.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655917"></a><a name="z_Toc55380694"></a><a name="z_Toc56510590"></a><a name="z_Toc64291874"></a><font style="font-weight: bold;">3.9</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorized
              Shares</u></font>.&#160; The Company shall at all times reserve, free of any preemptive or similar rights of stockholders of the Company, a number of unissued shares of Class A Common Stock, sufficient to convert automatically, in accordance with
          the terms of the certificate of incorporation of the Company, all of the shares of Class C Common Stock then outstanding.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655918"></a><a name="z_Toc55380695"></a><a name="z_Toc56510591"></a><a name="z_Toc64291875"></a><font style="font-weight: bold;">3.10</font>&#160;&#160; <font style="font-weight: bold;"><u>Rule


              144 Reporting</u></font>.&#160; With a view to making available to the Investor the benefits of certain rules and regulations of the SEC which may permit the sale of the Shares by the Investor without registration under the Securities Act upon
          compliance with the initial holding period and other applicable requirements of Rule 144 under the Securities Act, the Company agrees to use its reasonable best efforts to:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160;&#160; make and keep adequate current public information with respect to the Company available, as those terms are understood and defined in Rule 144(c)(1) or any similar or analogous rule
          promulgated under the Securities Act, at all times after the effective date of this Agreement;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160;&#160;&#160;&#160; so long as the Investor owns any of the Shares, furnish to the Investor forthwith upon request: (A) a written statement by the Company as to its compliance with the reporting
          requirements of Rule 144 under the Securities Act, and of the Exchange Act; (B) a copy of the most recent annual or quarterly report of the Company; and (C) such other reports and documents as the Investor may reasonably request in availing
          itself of any rule or regulation of the SEC allowing it to sell any of the Shares without registration; and</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(c)&#160;&#160;&#160;&#160;&#160; to take such further action as the Investor may reasonably request, all to the extent required from time to time to enable the Investor to sell Shares without registration under the
          Securities Act.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">25</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-indent: 81pt;"><a name="z_Ref64290443"></a><font style="font-weight: bold;">3.11</font>&#160;&#160;&#160; <font style="font-weight: bold;"><u>Access to Information</u></font>.&#160; For so long as the Investor holds at least 50% of the Shares, the
          Company shall (a) furnish to the Investor the following, as soon as reasonably practicable after they become available (and in any event, no later than concurrently with the delivery of any such information to the other holders of the Shares),
          unless available on the United States Securities and Exchange Commission&#8217;s EDGAR site or successor system: (i) an audited consolidated balance sheet of the Company as of the end of the fiscal year in each year after December 31, 2020 and the
          related audited consolidated statements of income, changes in shareholders&#8217; equity and cash flow for the fiscal year then ended, including the notes thereto prepared in accordance with GAAP, together with the report thereon of an independent
          certified public accountant and (ii) an unaudited consolidated balance sheet of the Company as of the end of each fiscal quarter ending after December 31, 2020 (other than those ending on December 31) and the related unaudited consolidated
          statements of income, changes in shareholders&#8217; equity and cash flow for the interim period then ended and (b) provide the Investor reasonable access, during normal business hours, upon reasonable notice and in a manner that is not disruptive to
          the normal course of the Company&#8217;s business, to the Company&#8217;s management to discuss the Company&#8217;s and the Surviving Bank&#8217;s operations and developments, including regulatory developments.&#160; To the extent that delivering any of the foregoing
          information to the Investor pursuant to this <u>Section</u><u> 3.11</u> would result in the Investor receiving material non-public information, the Company shall notify the Investor that such information qualifies as material non-public
          information and (i) prior to and as a condition to disclosing such information, the Company and the Investor shall execute a customary confidentiality agreement relating thereto and (ii) the Investor shall abide by applicable federal or state
          securities laws applicable to receipt of material non-public information. Notwithstanding anything in the contrary in this Section 3.12, the Company shall have no obligation to disclose information (x) that constitutes confidential supervisory
          information or that is reasonably considers to be confidential competitive information, or (y) the disclosure of which (1) it reasonably determines will violate applicable Law (including applicable bank secrecy Laws and similar legislation), (2)
          would result in the loss of any legal privilege or (3) would expose the Company to risk of liability for disclosure of personal information.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Ref64280690"></a><a name="z_Toc64291877"></a><font style="font-weight: bold;">3.12</font>&#160;&#160;&#160; <font style="font-weight: bold;"><u>BHC Act Control</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160; Neither the Company nor any Company Subsidiary shall take any action (including any redemption, repurchase, or recapitalization of Voting Securities or Nonvoting Securities of the
          Company, or securities or rights, options or warrants to purchase Voting Securities or Nonvoting Securities of the Company, or securities of any type whatsoever that are, or may become, convertible into or exchangeable into or exercisable for
          Voting Securities or Nonvoting Securities of the Company, except where, solely with respect to any such redemption, repurchase or recapitalization of the Common Stock, the Investor is given the right to participate in such redemption, repurchase
          or recapitalization to the extent of the Investor&#8217;s pro rata proportion), that would cause the Investor&#8217;s total aggregate ownership percentage of (i) Voting Securities of the Company to exceed 4.9% of the issued and outstanding Voting Securities
          of the Company and (ii) Voting Securities and Nonvoting Securities of the Company together to exceed 24.9% of the total issued and outstanding equity of the Company, in each case consistent with the restrictions set forth in the guidance
          promulgated by the Board of Governors of the Federal Reserve (the &#8220;<font style="font-weight: bold;"><u>Federal Reserve</u></font>&#8221;) for non-controlling equity investments, without the prior written consent of the Investor (which consent shall not
          be unreasonably withheld, conditioned or delayed); provided, that in the event of a sale, merger, consolidation or other similar transaction involving the Company following the Closing, the Company shall not take any action that would cause the
          Investor to own more than (i) 4.99% of the total issued and outstanding Voting Securities or (ii) 24.9% of the total issued and outstanding equity, in each case, of the acquirer or surviving company, as applicable, following consummation of any
          such transaction. For the purposes of this Agreement, &#8220;Voting Securities&#8221; shall have such meaning as defined in 12 C.F.R. 225.2(q)(1) and &#8220;Nonvoting Securities&#8221; shall have such meaning as defined in 12 C.F.R. 225.2(q)(2), as may be amended or
          modified from time to time.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">26</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160;&#160;&#160;&#160; In the event that the Company breaches its obligations under Section 3.12(a) or believes that it is reasonably likely to breach such obligations, it shall notify the Investor as promptly
          as practicable and shall cooperate in good faith with the Investor to modify any ownership or other arrangements or take any other action, in each case, as is necessary to cure or avoid such breach, in accordance with Sections 3.12(c) and
          3.12(d).</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(c)&#160;&#160;&#160;&#160; In the event of (i) a determination by the Investor, based on advice of counsel (including internal counsel) that (A) it is impermissible under the Bank Holding Company Act of 1956, as
          amended (the &#8220;<font style="font-weight: bold;"><u>BHC Act</u></font>&#8221;) or other applicable law or regulatory or supervisory guidance for the Investor to continue to hold, directly or indirectly, any Shares (or a type, class or series of such
          Shares), or (B) such continued holding of the Shares (or a type, class or series of such Shares) would be reasonably likely to result in the imposition of conditions or restrictions on the Investor&#8217;s activities or regulatory or supervisory
          requirements on the Investor arising under the BHC Act or other applicable law or regulatory or supervisory guidance (including any requirement that the Investor obtain an approval under the BHC Act); or (ii) the occurrence of any of the
          following: (A) a determination by the Federal Reserve that the Investor &#8220;controls&#8221; the Company (as &#8220;control&#8221; is used for purposes of the BHC Act), or an affirmative indication that the Federal Reserve would likely take such a view (through
          published guidance or other supervisory communications); (B) any other regulatory requirement, instruction or request by a Governmental Entity having jurisdiction over the Investor that the Investor divest or reduce its equity interest in the
          Company; or (B) a determination by the Investor, based on the advice of counsel (including internal counsel) that divesting or reducing its equity interest in the Company is necessary or advisable to satisfy legal and/or regulatory requirements
          or supervisory expectations) (any occurrence referred to in clause (i) or (ii) above, a &#8220;Regulatory Trigger Event&#8221;), then the Company shall use its commercially reasonable efforts to consult and cooperate with the Investor in order to restructure
          the Investor&#8217;s investment in the Company in a manner that avoids or remediates the matters giving rise to the Regulatory Trigger Event to the reasonable satisfaction of the Investor, taking account of legal or regulatory restrictions applicable
          to the Company. If any such avoidance or remediation involves the sale by the Investor of all or a portion of the Shares to a third party, then the Company shall use commercially reasonable efforts to facilitate such sale and transfer, including
          by making the Company&#8217;s management reasonably available during normal business hours to the prospective purchaser(s) of the Shares and providing customary due diligence material, subject to customary confidentiality undertakings.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(d)&#160;&#160;&#160;&#160;&#160; The Investor may, at any time following a Regulatory Trigger Event, elect to voluntarily surrender to the Company any or all of the Shares (a &#8220;<font style="font-weight: bold;"><u>Voluntary

              Tender</u></font>&#8221;). The Company shall, upon written notice of the Investor&#8217;s intention to effect a Voluntary Tender, accept the tender of such Shares as a contribution to the Company for no consideration on the part of the Investor. The
          Company shall accept all such Shares specified in such Voluntary Tender as soon as practicable; provided, that to the extent that the Board of Directors determines that the acceptance of such Voluntary Tender would have a Material Adverse Effect
          or cause any other shareholder of the Company to be in violation of any applicable law, regulation or supervisory guidance, then the Company, the relevant shareholder (if applicable) and the Investor shall consult and cooperate to find a mutually
          agreeable solution to effect the Voluntary Tender or otherwise avoid or remediate the relevant Regulatory Trigger Event as promptly as practicable. The exercise of a Voluntary Tender shall be within the Investor&#8217;s sole and exclusive discretion
          and shall be in addition to, and not in lieu of, any other remedies available to the Investor under this Agreement.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">27</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 4.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">TERMINATION</div>
        <div>&#160;</div>
        <div style="text-indent: 81pt;"><a name="z_Toc53655921"></a><a name="z_Toc55380698"></a><a name="z_Toc56510593"></a><a name="z_Toc64291879"></a><font style="font-weight: bold;">4.1</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Termination</u></font>.&#160;


          This Agreement may be terminated prior to the Closing:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160;&#160; by mutual written agreement of the Company and the Investor;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160;&#160;&#160; by either Party, upon written notice to the other Party in the event that the Closing does not occur on or before September 1, 2021; <u>provided</u>, <u>however</u>, that the right to
          terminate this Agreement pursuant to this <u>Section 4.1(b)</u> shall not be available to any Party whose failure to fulfill any obligation under this Agreement shall have been the cause of, or shall have resulted in, the failure of the Closing
          to occur on or prior to such date;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(c)&#160;&#160;&#160;&#160;&#160; by either Party, upon written notice to the other Party, (i) in the event that Stockholder Approval is required under applicable Law or the rules and regulations of the Nasdaq Stock
          Market, but has not been obtained on or prior to the closing date of the Merger or (ii) the Authorized Shares Increase Approval has not been obtained on or prior to the closing date of the Merger;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(d)&#160;&#160;&#160;&#160;&#160; by the Investor, upon written notice to the Company, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Company in this Agreement, or any
          such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(ii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date
          that would otherwise be the Closing Date in the absence of such breach or condition; provided that this Section 4.1(d) shall only apply if the Investor is not in material breach of any of the terms of this Agreement;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(e)&#160;&#160;&#160;&#160;&#160; by the Company, upon written notice to the Investor, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Investor in this Agreement, or any
          such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(iii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date
          that would otherwise be the Closing Date in absence of such breach or condition; provided that this Section 4.1(e) shall only apply if the Company is not in material breach of any of the terms of this Agreement; or</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160; by any Party, upon written notice to the other Party, in the event that any Governmental Entity shall have issued any order, decree or injunction or taken any other action restraining,
          enjoining or prohibiting any of the transactions contemplated by this Agreement, and such order, decree, injunction or other action shall have become final and non-appealable.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655922"></a><a name="z_Toc55380699"></a><a name="z_Toc56510594"></a><a name="z_Toc64291880"></a><font style="font-weight: bold;">4.2</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Effects


              of Termination</u></font>.&#160; In the event of any termination of this Agreement as provided in Section 4.1, this Agreement (other than Section 3.4, this Article 4 and Article 6 of this Agreement, which shall remain in full force and effect)
          shall forthwith become wholly void and of no further force and effect; provided, that nothing herein shall relieve any Party from liability for fraud or willful breach of this Agreement.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">28</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 5.</div>
        <div style="text-align: center; font-weight: bold;"> <br>
        </div>
        <div style="text-align: center; font-weight: bold;">&#160; INDEMNITY</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655924"></a><a name="z_Toc55380701"></a><a name="z_Toc56510596"></a><a name="z_Toc64291882"></a><font style="font-weight: bold;">5.1</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification


              by the Company</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160;&#160; After the Closing, and subject to Sections 5.1(b), 5.3 and 5.4, the Company shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Investor and its
          Affiliates, and their respective successors and assigns, officers, directors, partners, members and employees, as applicable, (the &#8220;<font style="font-weight: bold;"><u>Investor Indemnified Parties</u></font>&#8221;) against and from, and reimburse any
          of the Investor Indemnified Parties for, all Losses that any of the Investor Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach of any representation or
          warranty made by the Company in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by the Company to perform any of its covenants or agreements contained in this Agreement.&#160; Notwithstanding anything herein to
          the contrary, the obligations of the Company under this Section 5.1(a) shall not be applicable to or inure to the benefit of any transferee of the Common Stock sold pursuant to this Agreement who is not an Affiliate of the Investor.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless any of the Investor Indemnified Parties against, or
          reimburse any of the Investor Indemnified Parties for, any Losses pursuant to Section 5.1(a) (other than Losses arising out of the inaccuracy or breach of any Company Specified Representations) until the aggregate amount of the Investor
          Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a) exceeds $100,000 (the &#8220;<font style="font-weight: bold;"><u>Threshold Amount</u></font>&#8221;),
          upon the occurrence of which the Company shall be obligated for all of the Investor Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a).&#160;
          Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless the Investor Indemnified Parties against, or reimburse the Investor Indemnified Parties for, any Losses pursuant to
          Section 5.1(a) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(c)&#160;&#160;&#160;&#160;&#160; For purposes of Section 5.1(a), in determining whether there has been a breach of a representation or warranty, the Parties hereto shall ignore any &#8220;materiality,&#8221; &#8220;Material Adverse
          Effect&#8221; or similar qualifications.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655925"></a><a name="z_Toc55380702"></a><a name="z_Toc56510597"></a><a name="z_Toc64291883"></a><font style="font-weight: bold;">5.2</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification


              by the Investor</u></font>.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">29</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160;&#160; After the Closing, and subject to Sections 5.2(b), 5.3 and 5.4, the Investor shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Company and its
          respective Affiliates and their respective successors and assigns, officers, directors, partners, members, employees, representatives and agents (collectively, the &#8220;<font style="font-weight: bold;"><u>Company Indemnified Parties</u></font>&#8221;)
          against and from, and reimburse any of the Company Indemnified Parties for, all Losses that the Company Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach
          of any representation or warranty made by the Investor in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by such Investor to perform any of its covenants or agreements contained in this Agreement.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless any of the Company Indemnified Parties against, or
          reimburse any of the Company Indemnified Parties for any Losses pursuant to Section 5.2(a)(1) until the aggregate amount of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally determined to be otherwise
          entitled to indemnification under Section 5.2(a) exceeds the Threshold Amount, upon the occurrence of which the Investor shall be obligated for all of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally
          determined to be otherwise entitled to indemnification under Section 5.2(a)(1).&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless the Company Indemnified Parties
          against, or reimburse the Company Indemnified Parties for, any Losses pursuant to Section 5.2(a)(1) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1 hereof.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(c)&#160;&#160;&#160;&#160;&#160; For purposes of Section 5.2(a), in determining whether there has been a breach of a representation or warranty, the Parties shall ignore any &#8220;materiality&#8221; or similar qualifications.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655926"></a><a name="z_Toc55380703"></a><a name="z_Toc56510598"></a><font style="font-weight: bold;">5.3</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Notification of Claims</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160;&#160; Any Person that may be entitled to be indemnified under this Article 5 (the &#8220;<font style="font-weight: bold;"><u>Indemnified Party</u></font>&#8221;) shall promptly notify the party or parties
          liable for such indemnification (the &#8220;<font style="font-weight: bold;"><u>Indemnifying Party</u></font>&#8221;) in writing of any claim in respect of which indemnity may be sought hereunder, including any pending or threatened claim or demand by a
          third party that the Indemnified Party has determined has given or could reasonably give rise to a right of indemnification under this Agreement (including a pending or threatened claim or demand asserted by a third party against the Indemnified
          Party) (each, a &#8220;<font style="font-weight: bold;"><u>Third Party Claim</u></font>&#8221;), describing in reasonable detail the facts and circumstances with respect to the subject matter of such claim or demand; provided, however, that the failure to
          provide such notice shall not release the Indemnifying Party from any of its obligations under this Agreement except to the extent that the Indemnifying Party is materially prejudiced by such failure.&#160; The Parties agree that notices for claims in
          respect of a breach of a representation, warranty, covenant or agreement must be delivered prior to the expiration of any applicable survival period specified in Section 6.1 for such representation, warranty, covenant or agreement; provided, that
          if, prior to such applicable date, a Party hereto shall have notified the other Party hereto in accordance with the requirements of this Section 5.3(a) of a claim for indemnification under this Agreement (whether or not formal legal action shall
          have been commenced based upon such claim), such claim shall continue to be subject to indemnification in accordance with this Agreement notwithstanding the passing of such applicable date.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">30</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160;&#160;&#160;&#160; Upon receipt of a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) in respect of a Third Party Claim, the Indemnifying Party may, by notice to the
          Indemnified Party delivered within twenty (20) Business Days of the receipt of notice of such Third Party Claim, assume the defense and control of any Third Party Claim, with its own counsel reasonably acceptable to the Indemnified Party and at
          its own expense.&#160; The Indemnified Party shall have the right to employ counsel on its own behalf for, and otherwise participate in the defense of, any such Third Party Claim, but the fees and expenses of its counsel will be at its own expense
          unless (A) the employment of counsel by the Indemnified Party at the Indemnifying Party&#8217;s expense has been authorized in writing by the Indemnifying Party, (B) the Indemnified Party reasonably believes there may be a conflict of interest between
          the Indemnified Party and the Indemnifying Party in the conduct of the defense of such Third Party Claim, (C) the Indemnified Party reasonably believes there are legal defenses available to it that are different from, additional to or
          inconsistent with those available to the Indemnifying Party, or (D) the Indemnifying Party has not in fact employed counsel to assume the defense of such Third Party Claim within a reasonable time after receipt of notice of the commencement of
          such Third Party Claim, in each of which cases the fees and expenses of such Indemnified Party&#8217;s counsel shall be at the expense of the Indemnifying Party; provided, however, that in the event that the Company is required to assume the fees and
          expenses of such Investor Indemnified Party&#8217;s counsel in accordance with the foregoing and such Investor Indemnified Party is similarly situated with any other &#8220;Investor Indemnified Party&#8221; under any of the other stock purchase agreements with
          respect to any Third Party Claim, and does not have any conflict of interest with such Person in the conduct of the defense of such Third Party Claim or have legal defenses available to it that are different from, additional to or inconsistent
          with those available to such Person, such Investor Indemnified Party shall be required to employ the same counsel as such Person and the Company shall be responsible for the fees and expenses of only one such counsel for such Investor Indemnified
          Party and such other Person or Persons (assuming any of clauses (A) through (D) above is satisfied).&#160; The Indemnified Party may take any actions reasonably necessary to defend such Third Party Claim prior to the time that it receives a notice
          from the Indemnifying Party as contemplated by the immediately preceding sentence.&#160; The Indemnified Party shall, and shall cause each of its Affiliates and representatives to, use reasonable best efforts to cooperate with the Indemnifying Party
          in the defense of any Third Party Claim.&#160; The Indemnifying Party shall not, without the prior written consent of the Indemnified Party (which shall not be unreasonably withheld or delayed), consent to a settlement, compromise or discharge of, or
          the entry of any judgment arising from, any Third Party Claim, unless such settlement, compromise, discharge or entry of any judgment does not involve any statement, finding or admission of any fault, culpability, failure to act, violation of Law
          or admission of any wrongdoing by or on behalf of the Indemnified Party, and the Indemnifying Party shall (i) pay or cause to be paid all amounts arising out of such settlement or judgment concurrently with the effectiveness of such settlement or
          judgment (unless otherwise provided in such judgment), (ii) not encumber any of the assets of any Indemnified Party or agree to any restriction or condition that would apply to or materially adversely affect any Indemnified Party or the conduct
          of any Indemnified Party&#8217;s business and (iii) obtain, as a condition of any settlement, compromise, discharge, entry of judgment (if applicable), or other resolution, a complete and unconditional release of each Indemnified Party in form and
          substance reasonably satisfactory to such Indemnified Party from any and all liabilities in respect of such Third Party Claim.&#160; An Indemnified Party shall not settle, compromise or consent to the entry of any judgment with respect to any claim or
          demand for which it is seeking indemnification from the Indemnifying Party or admit to any liability with respect to such claim or demand without the prior written consent of the Indemnifying Party (which consent shall not be unreasonably
          withheld or delayed); provided, that such consent shall not be required if the Indemnifying Party has not fulfilled any material obligations under this Section 5.3(b).</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">31</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;">(c)&#160;&#160;&#160;&#160;&#160; In the event any Indemnifying Party receives a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) that does not involve a Third Party Claim, the
          Indemnifying Party shall notify the Indemnified Party within twenty (20) Business Days following its receipt of such notice whether the Indemnifying Party disputes its liability to the Indemnified Party under this Agreement.&#160; The Indemnified
          Party shall reasonably cooperate with and assist the Indemnifying Party in determining the validity of any such claim for indemnity by the Indemnified Party.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655927"></a><a name="z_Toc55380704"></a><a name="z_Toc56510599"></a><a name="z_Toc64291885"></a><font style="font-weight: bold;">5.4</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification


              Payment</u></font>.&#160; In the event a claim or any Action for indemnification hereunder has been finally determined, the amount of such final determination shall be paid by the Indemnifying Party to the Indemnified Party on demand in
          immediately available funds.&#160; A claim or an Action, and the liability for and amount of damages therefor, shall be deemed to be &#8220;<u>finally determined</u>&#8221; for purposes of this Agreement when the Parties have so determined by mutual agreement or,
          if disputed, when a final non-appealable judicial order has been entered into with respect to such claim or Action.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655928"></a><a name="z_Toc55380705"></a><a name="z_Toc56510600"></a><a name="z_Toc64291886"></a><font style="font-weight: bold;">5.5</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exclusive


              Remedies</u></font>.&#160; Subject to Section 6.14, each Party acknowledges and agrees that following the Closing, the indemnification provisions hereunder shall be the sole and exclusive remedies of the Parties for any breach of the
          representations, warranties or covenants contained in this Agreement.&#160; No investigation of the Company by the Investor, or of the Investor by the Company, whether prior to or after the date of this Agreement, shall limit any Indemnified Party&#8217;s
          exercise of any right hereunder or be deemed to be a waiver of any such right.&#160; The Parties agree that any indemnification payment made pursuant to this Agreement shall be treated as an adjustment to the Purchase Price for Tax purposes, unless
          otherwise required by Law.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 6.</div>
        <div>&#160; <br>
        </div>
        <div style="text-align: center; font-weight: bold;">MISCELLANEOUS</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655930"></a><a name="z_Toc55380707"></a><a name="z_Toc56510602"></a><a name="z_Toc64291888"></a><font style="font-weight: bold;">6.1</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Survival</u></font>.&#160;


          The representations and warranties of the Parties contained in this Agreement shall survive in full force and effect until the date that is fifteen (15) months after the Closing Date (or until final resolution of any claim or action arising from
          the breach of any such representation and warranty, if notice of such breach was provided prior to the end of such period), at which time they shall terminate and no claims shall be made for indemnification under Section 5.1 or Section 5.2, as
          applicable, for breaches of representations or warranties thereafter, except the Company Specified Representations (other than the representations and warranties made in Section 2.2(v), which shall survive until the expiration of the applicable
          statute of limitations) and the Investor Specified Representations shall survive the Closing indefinitely.&#160; The covenants and agreements set forth in this Agreement shall survive until the expiration of any applicable statute of limitations or
          until performed or no longer operative in accordance with their respective terms.&#160; Notwithstanding the foregoing, the Company Specified Representations shall survive for the period of the applicable statute of limitations.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">32</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655931"></a><a name="z_Toc55380708"></a><a name="z_Toc56510603"></a><a name="z_Toc64291889"></a> <font style="font-weight: bold;">6.2</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Other


              Definitions</u></font>.&#160; Wherever required by the context of this Agreement, the singular shall include the plural and vice versa, and the masculine gender shall include the feminine and neuter genders and vice versa, and references to any
          agreement, document or instrument shall be deemed to refer to such agreement, document or instrument as amended, supplemented or modified from time to time.&#160; In addition, the following terms shall have the meanings assigned to them below:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(a)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Affiliate</u></font>&#8221; means, with respect to any Person, any Person directly or indirectly controlling, controlled by or under common
          control with, such other Person provided that no security holder of the Company shall be deemed to be an Affiliate of any other security holder or of the Company or any of the Company Subsidiaries solely by reason of any investment in the Company
          and, for purposes of this definition, &#8220;<font style="font-weight: bold;"><u>control</u></font>&#8221; (including, with correlative meanings, the terms &#8220;<font style="font-weight: bold;"><u>controlling</u></font>&#8221;, &#8220;<font style="font-weight: bold;"><u>controlled
              by</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>under common control with</u></font>&#8221;) when used with respect to any Person, means the possession, directly or indirectly, of the power to cause the direction of management or policies
          of such Person, whether through the ownership of voting securities, by contract or otherwise;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(b)&#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Agency</u></font>&#8221; means the Federal Housing Administration, the Federal Home Loan Mortgage Corporation, the Farmers Home Administration (now
          known as Rural Housing and Community Development Services), the Federal National Mortgage Association, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of Agriculture or any other federal or
          state agency with authority to (i) determine any investment, origination, lending or servicing requirements with regard to mortgage loans originated, purchased or serviced by the Company or (ii) originate, purchase, or service mortgage loans, or
          otherwise promote mortgage lending, including state and local housing finance authorities;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(c)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Board of Directors</u></font>&#8221; means the Board of Directors of the Company;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(d)&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Business Day</u></font>&#8221; means any day except Saturday, Sunday and any day which shall be a legal holiday or a day on which banking
          institutions in the State of New York or in the State of California generally are authorized or required by Law or other governmental actions to close;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(e)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Capital Stock</u></font>&#8221; means the capital stock or other applicable type of equity interest in a Person;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Code</u></font>&#8221; means the Internal Revenue Code of 1986, as amended;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(g)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Company Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.2(a), <u>Section 2.2(b)</u>,
          Section 2.2(c), Section 2.2(d), Section 2.2(x), Section 2.2(z) and Section 2.2(hh);</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">33</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;">(h)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Disclosure Schedule</u></font>&#8221; shall mean a schedule delivered, on or prior to the date of this Agreement, by (i) the Investor to the
          Company and (ii) the Company to the Investor setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express disclosure requirement contained in a provision hereof or as an exception
          to one or more representations or warranties contained in Section 2.2 with respect to the Company, or in Section 2.3 with respect to the Investor, or to one or more covenants contained in Article 3;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>GAAP</u></font>&#8221; means United States generally accepted accounting principles and practices as in effect from time to time;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(j)&#160;&#160; &#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Consent</u></font>&#8221; means any notice to, registration, qualification, designation, declaration or filing with, exemption or
          review by, or authorization, order, consent or approval of, any Governmental Entity, or the expiration or termination of any statutory waiting periods;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(k)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Entity</u></font>&#8221; means any court, administrative agency or commission or other governmental authority or instrumentality,
          whether federal, state, local or foreign, and any applicable industry self-regulatory organization or securities exchange;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Insurer</u></font>&#8221; means a Person who insures or guarantees for the benefit of the mortgagee all or any portion of the risk of loss upon
          borrower default on any of the mortgage loans originated, purchased or serviced by the Bank, including the Federal Housing Administration, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of
          Agriculture and any private mortgage insurer, and providers of hazard, title or other insurance with respect to such mortgage loans or the related collateral;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(m)&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Investor Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.3(b)(i), Section 2.3(d) and Section
          2.3(f);</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(n)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Knowledge</u></font>&#8221; of the Company and words of similar import mean the knowledge of any directors or executive officers of the Company
          listed on the Disclosure Schedule hereto;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(o)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Loan Investor</u></font>&#8221; means any Person (including an Agency) having a beneficial interest in any mortgage loan originated, purchased or
          serviced by the Bank or a security backed by or representing an interest in any such mortgage loan;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(p)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Losses</u></font>&#8221; means any and all losses, damages, reasonable costs, reasonable expenses (including reasonable attorneys&#8217; fees and
          disbursements), liabilities, settlement payments, awards, judgments, fines, obligations, claims, and deficiencies of any kind, excluding special, consequential, exemplary and punitive damages;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(q)&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Person</u></font>&#8221; means any individual, firm, corporation, partnership, trust, incorporated or unincorporated association, joint venture,
          joint stock company, limited liability company, Governmental Entity or other entity of any kind, and shall include any successor (by merger or otherwise) of such entity;</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">34</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;">(r)&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Subsidiary</u></font>&#8221; means, with respect to any Person, any corporation, partnership, joint venture, limited liability company or other
          entity (x) of which such Person or a Subsidiary of such Person is a general partner or (y) of which a majority of the voting securities or other voting interests, or a majority of the securities or other interests of which having by their terms
          ordinary voting power to elect a majority of the board of directors or persons performing similar functions with respect to such entity, is directly or indirectly owned by such Person and/or one or more Subsidiaries thereof;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(s)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Tax</u></font>&#8221; or &#8220;<font style="font-weight: bold;"><u>Taxes</u></font>&#8221; means all United States federal, state, local or foreign income,
          profits, estimated, gross receipts, windfall profits, severance, property, intangible property, occupation, production, sales, use, license, excise, emergency excise, franchise, capital gains, capital stock, employment, withholding, transfer,
          stamp, payroll, goods and services, value added, alternative or add-on minimum tax, or any other tax, custom, duty or governmental fee, or other like assessment or charge of any kind whatsoever, together with any interest, penalties, fines,
          related liabilities or additions to tax that may become payable in respect thereof imposed by any Governmental Entity, whether or not disputed;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(t)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Tax Return</u></font>&#8221; means any return, declaration, report or similar statement required to be filed with respect to any Taxes (including
          any attached schedules), including, without limitation, any information return, claim or refund, amended return and declaration of estimated Tax;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(u)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Voting Securities</u></font>&#8221; means at any time shares of any class of Capital Stock of the Company, including but not limited to Voting
          Common Stock (or, after giving effect to the Merger Transactions, Class A Common Stock), and Voting Debt that are then entitled to vote generally in the election of directors;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(v)&#160;&#160;&#160;&#160;&#160; the word &#8220;<font style="font-weight: bold;"><u>or</u></font>&#8221; is not exclusive;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(w)&#160;&#160;&#160;&#160; the words &#8220;<font style="font-weight: bold;"><u>including</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>includes</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>included</u></font>&#8221;
          and &#8220;<font style="font-weight: bold;"><u>include</u></font>&#8221; are deemed to be followed by the words &#8220;without limitation&#8221;;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(x)&#160;&#160;&#160;&#160;&#160; the terms &#8220;<font style="font-weight: bold;"><u>herein</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>hereof</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>hereunder</u></font>&#8221;
          and other words of similar import refer to this Agreement as a whole and not to any particular section, paragraph or subdivision; and</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;">(y)&#160;&#160;&#160;&#160;&#160; all article, section, paragraph or clause references not attributed to a particular document shall be references to such parts of this Agreement, and all exhibit and schedule references
          not attributed to a particular document shall be references to such exhibits and schedules to this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655932"></a><a name="z_Toc55380709"></a><a name="z_Toc56510604"></a><a name="z_Toc64291890"></a><font style="font-weight: bold;">6.3</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Amendment


              and Waivers</u></font>.&#160; The conditions to each Party&#8217;s obligation to consummate the Closing are for the sole benefit of such Party and may be waived by such Party in whole or in part to the extent permitted by Law.&#160; No amendment or waiver of
          any provision of this Agreement will be effective against any Party unless it is in a writing signed by a duly authorized officer of such Party.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">35</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655933"></a><a name="z_Toc55380710"></a><a name="z_Toc56510605"></a><a name="z_Toc64291891"></a><font style="font-weight: bold;">6.4</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Counterparts


              and Facsimile</u></font>.&#160; For the convenience of the Parties, this Agreement may be executed in any number of separate counterparts, each such counterpart being deemed to be an original instrument, and all such counterparts will together
          constitute the same agreement.&#160; Executed signature pages to this Agreement may be delivered by facsimile and such facsimiles shall be deemed as sufficient as if manually signed signature pages had been delivered.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655934"></a><a name="z_Toc55380711"></a><a name="z_Toc56510606"></a><a name="z_Toc64291892"></a><font style="font-weight: bold;">6.5</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governing
              Law</u></font>.&#160; This Agreement will be governed by and construed in accordance with the Laws of the State of California applicable to contracts made and to be performed entirely within such State.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655935"></a><a name="z_Toc55380712"></a><a name="z_Toc56510607"></a><a name="z_Toc64291893"></a><font style="font-weight: bold;">6.6</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>WAIVER


              OF JURY TRIAL</u></font>.&#160; TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVESTOR HEREBY IRREVOCABLY WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY RELATING TO THIS AGREEMENT, THE
          TRANSACTIONS CONTEMPLATED HEREBY WHETHER BASED ON CONTRACT, EQUITY, TORT OR ANY OTHER THEORY.&#160; THIS WAIVER OF RIGHT TO TRIAL BY JURY IS GIVEN BY INVESTOR, KNOWINGLY AND VOLUNTARILY WITH THE BENEFIT OF COMPETENT LEGAL COUNSEL.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655936"></a><a name="z_Toc55380713"></a><a name="z_Toc56510608"></a><a name="z_Toc64291894"></a><font style="font-weight: bold;">6.7</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Notices</u></font>.&#160;


          Any notice, request, instruction or other document to be given hereunder by any Party to the other will be in writing and will be deemed to have been duly given (a) on the date of delivery if delivered personally or by telecopy or facsimile, upon
          confirmation of receipt, (b) on the first Business Day following the date of dispatch if delivered by a recognized next-day courier service, or (c) on the third Business Day following the date of mailing if delivered by registered or certified
          mail, return receipt requested, postage prepaid, provided that any such notice, request, instruction or other document to be given hereunder shall not be deemed to have been duly given unless and until it is sent via electronic mail to the
          recipient thereof.&#160; All notices hereunder shall be delivered as set forth below, or pursuant to such other instructions as may be designated in writing by the Party to receive such notice.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt; margin-left: 9pt;">(a)&#160;&#160;&#160;&#160;&#160; If to the Investor, to the address set forth on the Investor&#8217;s signature page to this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt; margin-left: 9pt;">(b)&#160;&#160;&#160;&#160;&#160; If to the Company:</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;"><a name="z_Hlk56512958"></a>Broadway Financial Corporation</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">5055 Wilshire Boulevard, Suite 500</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Los Angeles, California 90036</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Attn: Brenda Battey,</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Chief Financial Officer</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Email: bbattey@broadwayfederalbank.com</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">with a copy (which copy shall not constitute notice) to:</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Arnold &amp; Porter LLP</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">777 South Figueroa Street,</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">44th Floor</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Los Angeles, California 90017</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Attn: James R. Walther, Esq.</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Fax: (213) 243-4199</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Email: James.Walther@arnoldporter.com</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">36</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655937"></a><a name="z_Toc55380714"></a><a name="z_Toc56510609"></a><font style="font-weight: bold;"> 6.8</font>&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Entire Agreement</u></font>.&#160;


          This Agreement constitutes the entire agreement, and supersede all other prior agreements, understandings, representations and warranties, inducements or conditions, both written and oral, among the Parties, with respect to the subject matter
          hereof and thereof.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655938"></a><a name="z_Toc55380715"></a><a name="z_Toc56510610"></a><a name="z_Toc64291896"></a><font style="font-weight: bold;">6.9</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Successors


              and Assigns</u></font>.&#160; This Agreement shall be binding upon and inure to the benefit of the Parties and their respective successors and assigns, including any purchasers of the Common Stock to be issued pursuant to this Agreement.&#160; The
          Company shall not assign this Agreement or any rights or obligations hereunder without the prior written consent of the Investor.&#160; The Investor may assign some or all of its rights hereunder or thereunder without the consent of the Company to any
          Affiliate of the Investor, and such assignee shall be deemed to be an Investor hereunder with respect to such assigned rights and shall be bound by the terms and conditions of this Agreement that apply to the Investor.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655939"></a><a name="z_Toc55380716"></a><a name="z_Toc56510611"></a><a name="z_Toc64291897"></a><font style="font-weight: bold;">6.10</font>&#160;&#160;&#160; <font style="font-weight: bold;"><u>Captions</u></font>.&#160;


          The article, section, paragraph and clause captions herein are for convenience of reference only, do not constitute part of this Agreement and will not be deemed to limit or otherwise affect any of the provisions hereof.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655940"></a><a name="z_Toc55380717"></a><a name="z_Toc56510612"></a><a name="z_Toc64291898"></a><font style="font-weight: bold;">6.11</font>&#160;&#160;&#160; <font style="font-weight: bold;"><u>Severability</u></font>.&#160;


          If any provision of this Agreement or the application thereof to any Person or circumstance is determined by a court of competent jurisdiction to be invalid, void or unenforceable, the remaining provisions hereof, or the application of such
          provision to Persons or circumstances other than those as to which it has been held invalid or unenforceable, will remain in full force and effect and shall in no way be affected, impaired or invalidated thereby, so long as the economic or legal
          substance of the transactions contemplated hereby is not affected in any manner materially adverse to any party.&#160; Upon such determination, the Parties shall negotiate in good faith in an effort to agree upon a suitable and equitable substitute
          provision to effect the original intent of the Parties.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655941"></a><a name="z_Toc55380718"></a><a name="z_Toc56510613"></a><a name="z_Toc64291899"></a><font style="font-weight: bold;">6.12</font>&#160;&#160;&#160; <font style="font-weight: bold;"><u>Third


              Party Beneficiaries</u></font>.&#160; Nothing contained in this Agreement, expressed or implied, is intended to confer upon any Person other than the Parties, any benefit right or remedies, except that the Placement Agents may rely on the
          representations and warranties contained herein to the same extent as if they were party to this Agreement and the provisions of Sections 5.1 and 5.2 shall inure to the benefit of the Persons referred to in such Sections.</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 81pt;"><a name="z_Toc53655942"></a><a name="z_Toc55380719"></a><a name="z_Toc56510614"></a><a name="z_Toc64291900"></a><font style="font-weight: bold;">6.13</font>&#160;&#160; <font style="font-weight: bold;"><u>Public


              Announcements</u></font>.&#160; The Investor will not make (and will use its reasonable best efforts to ensure that its Affiliates and representatives do not make) any news release or public disclosure with respect to this Agreement and any of the
          transactions contemplated hereby, without first consulting with the Company and, in each case, also receiving the Company&#8217;s consent (which shall not be unreasonably withheld, conditioned or delayed).</div>
        <div style="text-indent: 81pt;">&#160;</div>
        <div style="text-indent: 81pt;"><a name="z_Toc53655943"></a><a name="z_Toc55380720"></a><a name="z_Toc56510615"></a><a name="z_Ref64018254"></a><a name="z_Toc64291901"></a><font style="font-weight: bold;">6.14</font>&#160;&#160;&#160; <font style="font-weight: bold;"><u>Specific Performance</u></font>.&#160; The Parties agree that irreparable damage would occur in the event that any of the provisions of this Agreement were not performed in accordance with their specific terms.&#160; It is accordingly agreed
          that the Parties shall be entitled to seek specific performance of the terms hereof, this being in addition to any other remedies to which they are entitled at law or equity.</div>
        <div>&#160;</div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">37</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-indent: 81pt;"><a name="z_Toc53655944"></a><a name="z_Toc55380721"></a><a name="z_Toc56510616"></a><a name="z_Toc64291902"></a><font style="font-weight: bold;">6.15</font>&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Recourse to
              Other Persons</u></font>.&#160; This Agreement may only be enforced against the named Parties.&#160; All claims or causes of action that may be based upon, arise out of or relate to this Agreement, or the negotiation, execution or performance of this
          Agreement may be made only against the entities that are expressly identified as Parties or that are subject to the terms hereof, and no past, present or future director, officer, employee, incorporator, member, manager, partner, stockholder,
          Affiliate, agent, attorney or representative of any Party (including any person negotiating or executing this Agreement on behalf of a Party) shall have any liability or obligation with respect to this Agreement or with respect to any claim or
          cause of action, whether in tort, contract or otherwise, that may arise out of or relate to this Agreement, or the negotiation, execution or performance of this Agreement and the transactions contemplated hereby.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-style: italic;">[<font style="font-weight: bold;">signature page follows</font>]</div>
        <div><br>
        </div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" id="DSPFPageNumber">38</font></div>
          <div id="DSPFPageBreak" style="page-break-after:always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">IN WITNESS WHEREOF</font><font style="font-size: 10pt;">, the Parties have caused this Agreement to be duly executed by their
            respective authorized officers as of the day and year first above written.</font></div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z4b1e0eba5bcc4a0ebab35a2a9f502942" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="vertical-align: top;">
                <div style="font-weight: bold;">BROADWAY FINANCIAL CORPORATION</div>
              </td>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
            </tr>

        </table>
        <table cellspacing="0" cellpadding="0" id="z9098357194e849dbaacd3f68d6d2c8e5" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                <div>By:</div>
              </td>
              <td style="width: 23%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
              <td style="width: 24%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            </tr>

        </table>
        <table cellspacing="0" cellpadding="0" id="z1c857962f72b47d18bd22f2ccfd0b017" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div>Name:</div>
              </td>
              <td style="width: 42%; vertical-align: top;">
                <div>Wayne-Kent A. Bradshaw</div>
              </td>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div>Title:</div>
              </td>
              <td style="width: 42%; vertical-align: top;">
                <div>President and Chief Executive Officer</div>
              </td>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-align: center;">[Stock Purchase Agreement]</div>
        <div><br>
        </div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div id="DSPFPageBreak" style="page-break-after:always;">
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                <div>By:</div>
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              <td style="width: 22%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
              <td style="width: 25%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
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                <div style="font-size: 12pt;"><u><font style="font-size: 10pt;">Address for notices</font><font style="font-size: 10pt;">:</font></u></div>
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                <div>Citicorp Banking Corporation</div>
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              <td style="width: 50%; vertical-align: top;">&#160;</td>
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                <div>1 Penns Way</div>
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                <div>New Castle, DE 19721</div>
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                <div>Attention: Michael Brisgone</div>
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                <div>Email: michael.f.brisgone@citi.com</div>
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              <td style="width: 50%; vertical-align: top;">&#160;</td>
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                <div>with a copy to:</div>
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              <td style="width: 50%; vertical-align: top;">&#160;</td>
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                <div>Paul, Weiss, Rifkind, Wharton &amp; Garrison LLP</div>
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                <div>1285 Avenue of the Americas</div>
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                <div>New York, NY 10019</div>
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                <div>Attention: Ariel Deckelbaum</div>
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              <td style="width: 50%; vertical-align: top;">&#160;</td>
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                <div>Email: ajdeckelbaum@paulweiss.com</div>
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        <div style="text-align: center;"><font style="font-weight: bold;">[Stock Purchase Agreement</font>]</div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.27
<SEQUENCE>7
<FILENAME>brhc10022486_ex10-27.htm
<DESCRIPTION>EXHIBIT 10.27
<TEXT>
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  <div>
    <div>
      <div>
        <div style="text-align: right; font-weight: bold;">
          <div style="font-weight: bold;">EXECUTION VERSION</div>
        </div>
        <div style="text-align: right; font-weight: bold;">
          <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">Exhibit 10.27<br>
        </div>
        <div style="font-weight: bold;"> <br>
        </div>
        <div style="text-align: center;">BROADWAY FINANCIAL CORPORATION</div>
        <div><br>
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        <div style="text-align: center;">STOCK PURCHASE AGREEMENT</div>
        <div><br>
        </div>
        <div style="text-align: center;">February 19, 2021</div>
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        <div style="text-align: center;"><u>TABLE OF CONTENTS</u></div>
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              <td rowspan="1" colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
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              <td rowspan="1" style="width: 7.6%; vertical-align: top; text-align: right;"><u>Page</u></td>
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              <td rowspan="1" colspan="3" style="width: 3%; vertical-align: top;">&#160;</td>
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              <td rowspan="1" colspan="3" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div><font style="font-weight: bold;">ARTICLE 1</font>. PURCHASE&#894; CLOSING</div>
              </td>
              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="font-weight: bold;">1.1</div>
              </td>
              <td style="width: 84%; vertical-align: top;">
                <div style="font-weight: bold;">Issuance, Sale and Purchase</div>
              </td>
              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">1.2</div>
              </td>
              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Closing; Deliverables for the Closing; Conditions to the Closing</div>
              </td>
              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
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            <tr>
              <td rowspan="1" colspan="3" style="width: 3%; vertical-align: top;">
                <div><font style="font-weight: bold;">ARTICLE 2.</font> REPRESENTATIONS AND WARRANTIES</div>
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              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.1</div>
              </td>
              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Certain Terms</div>
              </td>
              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="font-weight: bold;">2.2</div>
              </td>
              <td style="width: 84%; vertical-align: top;">
                <div style="font-weight: bold;">Representations and Warranties of the Company</div>
              </td>
              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.3</div>
              </td>
              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Representations and Warranties of the Investor</div>
              </td>
              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">20</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="width: 3%; vertical-align: top;">
                <div><font style="font-weight: bold;">ARTICLE 3.</font> COVENANTS</div>
              </td>
              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">22</div>
              </td>
            </tr>
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              <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.1</div>
              </td>
              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Conduct of Business Prior to Closing</div>
              </td>
              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">22</div>
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            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="font-weight: bold;">3.2</div>
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              <td style="width: 84%; vertical-align: top;">
                <div style="font-weight: bold;">Use of Proceeds</div>
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              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">23</div>
              </td>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.3</div>
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              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Regulatory Filings</div>
              </td>
              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="font-weight: bold;">3.4</div>
              </td>
              <td style="width: 84%; vertical-align: top;">
                <div style="font-weight: bold;">Confidentiality</div>
              </td>
              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.5</div>
              </td>
              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Publicity</div>
              </td>
              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="font-weight: bold;">3.6</div>
              </td>
              <td style="width: 84%; vertical-align: top;">
                <div style="font-weight: bold;">Commercially Reasonable Efforts</div>
              </td>
              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.7</div>
              </td>
              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div><font style="font-weight: bold;">Legend</font>.</div>
              </td>
              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="font-weight: bold;">3.8</div>
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              <td style="width: 84%; vertical-align: top;">
                <div style="font-weight: bold;">Exchange Listing</div>
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              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">24</div>
              </td>
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            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.9</div>
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              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Authorized Shares</div>
              </td>
              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="font-weight: bold;">3.10</div>
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              <td style="width: 84%; vertical-align: top;">
                <div style="font-weight: bold;">Rule 144 Reporting</div>
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              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">25</div>
              </td>
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              <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.11</div>
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              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Exchange Rights; Co-Redemption Rights</div>
              </td>
              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
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                <div><font style="font-weight: bold;">ARTICLE 4.</font> TERMINATION</div>
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              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">4.1</div>
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              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Termination</div>
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              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="font-weight: bold;">4.2</div>
              </td>
              <td style="width: 84%; vertical-align: top;">
                <div style="font-weight: bold;">Effects of Termination</div>
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              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
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                <div><font style="font-weight: bold;">ARTICLE 5.</font> INDEMNITY</div>
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              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">27</div>
              </td>
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            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="font-weight: bold;">5.1</div>
              </td>
              <td style="width: 84%; vertical-align: top;">
                <div style="font-weight: bold;">Indemnification by the Company</div>
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              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">27</div>
              </td>
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            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.2</div>
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              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification by the Investor</div>
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              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">28</div>
              </td>
            </tr>
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              <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="font-weight: bold;">5.3</div>
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              <td style="width: 84%; vertical-align: top;">
                <div style="font-weight: bold;">Notification of Claims</div>
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              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.4</div>
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              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification Payment</div>
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              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="font-weight: bold;">5.5</div>
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              <td style="width: 84%; vertical-align: top;">
                <div style="font-weight: bold;">Exclusive Remedies</div>
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              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">31</div>
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            <tr>
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                <div><font style="font-weight: bold;">ARTICLE 6.</font> MISCELLANEOUS</div>
              </td>
              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
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            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="font-weight: bold;">6.1</div>
              </td>
              <td style="width: 84%; vertical-align: top;">
                <div style="font-weight: bold;">Survival</div>
              </td>
              <td style="width: 7.6%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.2</div>
              </td>
              <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Other Definitions</div>
              </td>
              <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">i</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;">
          <table cellspacing="0" cellpadding="0" border="0" id="z145d40e988044e159ce819fb2c90ebb1" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
                <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">6.3</div>
                </td>
                <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">Amendment and Waivers</div>
                </td>
                <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="text-align: right;">34</div>
                </td>
              </tr>
              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
                <td style="width: 5%; vertical-align: top;">
                  <div style="font-weight: bold;">6.4</div>
                </td>
                <td style="width: 84%; vertical-align: top;">
                  <div style="font-weight: bold;">Counterparts and Facsimile</div>
                </td>
                <td style="width: 7.6%; vertical-align: top;">
                  <div style="text-align: right;">34</div>
                </td>
              </tr>
              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
                <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">6.5</div>
                </td>
                <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">Governing Law</div>
                </td>
                <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="text-align: right;">34</div>
                </td>
              </tr>
              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
                <td style="width: 5%; vertical-align: top;">
                  <div style="font-weight: bold;">6.6</div>
                </td>
                <td style="width: 84%; vertical-align: top;">
                  <div style="font-weight: bold;">WAIVER OF JURY TRIAL</div>
                </td>
                <td style="width: 7.6%; vertical-align: top;">
                  <div style="text-align: right;">34</div>
                </td>
              </tr>
              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
                <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">6.7</div>
                </td>
                <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">Notices</div>
                </td>
                <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="text-align: right;">35</div>
                </td>
              </tr>
              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
                <td style="width: 5%; vertical-align: top;">
                  <div style="font-weight: bold;">6.8</div>
                </td>
                <td style="width: 84%; vertical-align: top;">
                  <div style="font-weight: bold;">Entire Agreement</div>
                </td>
                <td style="width: 7.6%; vertical-align: top;">
                  <div style="text-align: right;">35</div>
                </td>
              </tr>
              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
                <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">6.9</div>
                </td>
                <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">Successors and Assigns</div>
                </td>
                <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="text-align: right;">36</div>
                </td>
              </tr>
              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
                <td style="width: 5%; vertical-align: top;">
                  <div style="font-weight: bold;">6.10</div>
                </td>
                <td style="width: 84%; vertical-align: top;">
                  <div style="font-weight: bold;">Captions</div>
                </td>
                <td style="width: 7.6%; vertical-align: top;">
                  <div style="text-align: right;">36</div>
                </td>
              </tr>
              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
                <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">6.11</div>
                </td>
                <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">Severability</div>
                </td>
                <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="text-align: right;">36</div>
                </td>
              </tr>
              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
                <td style="width: 5%; vertical-align: top;">
                  <div style="font-weight: bold;">6.12</div>
                </td>
                <td style="width: 84%; vertical-align: top;">
                  <div style="font-weight: bold;">Third Party Beneficiaries</div>
                </td>
                <td style="width: 7.6%; vertical-align: top;">
                  <div style="text-align: right;">36</div>
                </td>
              </tr>
              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
                <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">6.13</div>
                </td>
                <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">Public Announcements</div>
                </td>
                <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="text-align: right;">36</div>
                </td>
              </tr>
              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
                <td style="width: 5%; vertical-align: top;">
                  <div style="font-weight: bold;">6.14</div>
                </td>
                <td style="width: 84%; vertical-align: top;">
                  <div style="font-weight: bold;">Specific Performance</div>
                </td>
                <td style="width: 7.6%; vertical-align: top;">
                  <div style="text-align: right;">36</div>
                </td>
              </tr>
              <tr>
                <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
                <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">6.15</div>
                </td>
                <td style="width: 84%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="font-weight: bold;">No Recourse to Other Persons</div>
                </td>
                <td style="width: 7.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
                  <div style="text-align: right;">36</div>
                </td>
              </tr>

          </table>
        </div>
        <div style="text-align: center; font-weight: bold;"><u><br>
            INDEX OF DEFINED TERMS</u></div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z7bbfc2a039544dfc912ad90b022a5ca6">

            <tr>
              <td rowspan="1" style="width: 95.2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4.8%; vertical-align: top; text-align: right;"><u>Page</u></td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 95.2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4.8%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Action</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Affiliate</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Agency</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Agreement</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Authorized Shares Increase Approval</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Bank</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Bank Merger</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Benefit Plans</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Board of Directors</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Business Day</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Capital Stock</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>CDFI</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>CFB</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>CFB Sub</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Class A Common Stock</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Class B Common Stock</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Class C Common Stock</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Closing</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Closing Date</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Code</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Common Stock</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Company</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">ii</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z4789f65c0adb4254ace8cbd18dd1d4e2" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Employees</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Company Financial Statements</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Indemnified Parties</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">28</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Company Insurance Policies</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">15</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company IT Assets</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">11</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Company Reports</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Specified Representations</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Company Stock Plan</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Subsidiaries</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Company Subsidiary</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Concurrent Other Transactions</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>control</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>controlled by</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>controlling</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Disclosure Schedule</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Disqualification Event</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">19</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>EESA</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>ERISA</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>ERISA Affiliate</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">17</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Exchange Act</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">9<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>FDIC</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Federal Reserve</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>GAAP</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Governmental Authorizations</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">14</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Governmental Consent</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Governmental Entity</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Indemnified Party</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Indemnifying Party</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Insider</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">19</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Insurer</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Intellectual Property Rights</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Investment</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Investor</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Investor Indemnified Parties</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Investor Specified Representations</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Knowledge</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Law</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">14</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Liens</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">8</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Loan Investor</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Losses</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Material Adverse Effect</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Merger</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Merger Agreement</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Merger Transactions</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Multiemployer Plan</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">17</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">iii</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="zad9a0da83b944cc98224502852866843" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Non-Voting Common Stock</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>OFAC</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">12</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Parties</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Per Share Purchase Price</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Person</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Personal Information</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">11</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Placement Agents</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Preferred Stock</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Previously Disclosed</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Privacy Laws</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">12</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Purchase Price</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Registration Statement</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">21</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Rule 506</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">19</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>SEC</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Securities Act</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">7<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Shares</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>SLHCA Act</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Stockholder Approval</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Subsidiary</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Surviving Bank</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Tax</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Tax Return</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Taxes</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Third Party Claim</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Threshold Amount</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">28</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>under common control with</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Voting Common Stock</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top;">
                <div>Voting Debt</div>
              </td>
              <td style="width: 4.8%; vertical-align: top;">
                <div style="text-align: right;">7<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Voting Securities</div>
              </td>
              <td style="width: 4.8%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">iv</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <!--PROfilePageNumberReset%Num%1%%%-->
        <div style="text-align: center; font-weight: bold;"><u>STOCK PURCHASE AGREEMENT</u></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">THIS STOCK PURCHASE AGREEMENT </font>(as amended, supplemented or otherwise modified from time to time, this &#8220;<font style="font-weight: bold;"><u>Agreement</u></font>&#8221;)

          is dated as of February 19, 2021, and is entered into by and among Broadway Financial Corporation, a Delaware corporation (the &#8220;<font style="font-weight: bold;"><u>Company</u></font>&#8221;), and <a name="z_Hlk55406349"></a>First Republic Bank, a
          California state chartered bank (the &#8220;<font style="font-weight: bold;"><u>Investor</u></font>&#8221;, and together with the Company, the &#8220;<font style="font-weight: bold;"><u>Parties</u></font>&#8221;)</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><u>RECITALS</u></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><a name="z_Hlk53516059"></a><font style="font-weight: bold;">WHEREAS</font>, the Company is a party to that certain Agreement and Plan of Merger (the &#8220;<font style="font-weight: bold;"><u>Merger
              Agreement</u></font>&#8221;) with CFBanc Corporation, a District of Columbia benefit corporation (&#8220;<font style="font-weight: bold;"><u>CFB</u></font>&#8221;) which provides, among other things and subject to the terms and conditions of the Merger
          Agreement, for (i) the merger of CFB with and into the Company, with the Company continuing as the surviving entity in the Merger (the &#8220;<font style="font-weight: bold;"><u>Merger</u></font>&#8221;), (ii) <font style="color: #262626;">immediately
            following the Merger, Broadway Federal Bank, f.s.b., a wholly owned subsidiary of the Company, will merge with and into City First Bank of D.C., National Association (&#8220;</font><font style="font-weight: bold; color: #262626;"><u>CFB Sub</u></font><font style="color: #262626;">&#8221;), a wholly owned subsidiary of CFB (the &#8220;</font><font style="font-weight: bold; color: #262626;"><u>Bank Merger</u></font><font style="color: #262626;">&#8221; and together with the Merger and </font>the other transactions
          contemplated by the Merger Agreement, the &#8220;<font style="font-weight: bold;"><u>Merger Transactions</u></font>&#8221;)<font style="color: #262626;">, with CFB Sub continuing as the surviving entity (the &#8220;</font><font style="font-weight: bold; color: #262626;"><u>Surviving Bank</u></font><font style="color: #262626;">&#8221;)</font>, and (iii) the Company&#8217;s voting common stock, par value $0.01 per share, will be renamed Class A Common Stock (&#8220;<font style="font-weight: bold;"><u>Class A Common
              Stock</u></font>&#8221;), a new class of non-voting common stock of the Company, par value $0.01 per share, will be created which will be named Class B Common Stock (&#8220;<font style="font-weight: bold;"><u>Class B Common Stock</u></font>&#8221;) and the
          Company&#8217;s currently authorized non-voting common stock, par value $0.01 per share, will be renamed Class C Common Stock (the &#8220;<font style="font-weight: bold;"><u>Class C Common Stock</u></font>&#8221; and collectively, the &#8220;<font style="font-weight: bold;"><u>Common Stock</u></font>&#8221;);</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-weight: bold;">WHEREAS</font>, the Company has engaged Raymond James &amp; Associates, Inc. and Keefe, Bruyette &amp; Woods, Inc. as co-placement agents (the &#8220;<font style="font-weight: bold;"><u>Placement Agents</u></font>&#8221;) for the offering of the Common Stock.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-weight: bold;">WHEREAS</font>, the Company desires to issue and sell to the Investor, and the Investor desires to purchase from the Company, on the terms and conditions
          described herein, shares of Class A Common Stock at the Per Share Purchase Price specified herein (the &#8220;<font style="font-weight: bold;"><u>Investment</u></font>&#8221;);</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-weight: bold;">WHEREAS</font>, the Investment is proposed to be made subject to completion of the Merger Transactions;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-weight: bold;">WHEREAS</font>, it is proposed that the Company and the Investor enter into that certain investor&#8217;s rights agreement, dated as of the Closing Date, in the form of
          <u>Exhibit A</u> attached hereto (the &#8220;<font style="font-weight: bold;"><u>Investor&#8217;s Rights Agreement</u></font>&#8221; and together with this Agreement, the &#8220;<font style="font-weight: bold;"><u>Transaction Agreements</u></font>&#8221;);</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-weight: bold;">WHEREAS</font>, the Investment is proposed to be made concurrently with the sale by the Company of shares of Class A Common Stock and Class C Common Stock at the
          Per Share Purchase Price via private placement to certain other investors (the &#8220;<font style="font-weight: bold;"><u>Concurrent Other Transactions</u></font>&#8221;); and</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">1</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <!--PROfilePageNumberReset%Num%2%%%-->
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-weight: bold;">NOW, THEREFORE</font>, in consideration of the premises, and of the respective representations, warranties, covenants and other agreements of the Parties set
          forth herein, the Parties hereby agree as follows:</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 1.<br>
          <br>
          <a name="z_Toc53655903"></a><a name="z_Toc55380678"></a><a name="z_Toc64035347"></a>PURCHASE&#894; CLOSING</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655904"></a><a name="z_Toc55380679"></a><a name="z_Toc64035348"></a><font style="font-weight: bold;">1.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Issuance, Sale and
              Purchase</u></font>.&#160; On the terms and subject to the conditions set forth herein, the Company agrees to issue and sell to the Investor, and the Investor agrees to purchase from the Company, free and clear of any Liens, 1,135,955 shares of
          Class A Common Stock (the &#8220;<font style="font-weight: bold;"><u>Shares</u></font>&#8221;) at a per share purchase price equal to the lower of (i) $1.78 and (ii) the lowest per share price paid by any Person who acquires shares (or enters into any
          agreement to acquire shares) of Class A Common Stock, Class C Common Stock (or any other similar shares of voting or non-voting common stock of the Company or equivalent shares of preferred stock of the Company) after the date of this Agreement
          and prior to, or substantially contemporaneous with, the Closing (the lower of (i) or (ii), the &#8220;<font style="font-weight: bold;"><u>Per Share Purchase Price</u></font>&#8221;), payable to the Company in immediately available funds at the Closing; <u>provided</u>,
          <u>however</u>, that the number of shares of Class A Common Stock that the Investor is required to purchase pursuant to this Section 1.1 shall be reduced, if and to the extent necessary to cause the percentage of the Company&#8217;s Class A Common
          Stock held by the Investor as of immediately following the Closing and the closing of the Concurrent Other Transactions (which, for the avoidance of doubt, shall include any shares of the Company&#8217;s Class A Common Stock held by the Investor that
          are not a part of the Shares to be purchased by the Investor pursuant to this Agreement) not to exceed 4.50% of the total number of shares of Class A Common Stock outstanding immediately following the Closing and the closing of the Concurrent
          Other Transactions.&#160; The aggregate purchase price payable pursuant to this Section 1.1 is referred to herein as the &#8220;<font style="font-weight: bold;"><u>Purchase Price</u></font>&#8221;). </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655905"></a><a name="z_Toc55380680"></a><a name="z_Toc64035349"></a><font style="font-weight: bold;">1.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing; Deliverables
              for the Closing; Conditions to the Closing</u></font>. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160; &#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Closing</u></font>.&#160; Unless this Agreement has been terminated pursuant to Article 4, and subject to the satisfaction or, to the extent permitted
          by Law and this Agreement, the written waiver of the conditions set forth in Section 1.2(c), the closing of the transaction contemplated by this Agreement (the &#8220;<font style="font-weight: bold;"><u>Closing</u></font>&#8221;) shall take place at the
          offices of Arnold &amp; Porter LLP, located at 777 South Figueroa Street, 44th Floor, Los Angeles, California 90017, or remotely via the electronic or other exchange of documents and signature pages, at 9:00 a.m. Pacific Time on the second
          Business Day after the satisfaction or, if permissible, waiver of the conditions set forth in Section 1.2(c) (other than those which by their nature are to be satisfied at Closing, but subject to the satisfaction or waiver of such conditions), or
          at such other place or such other date as may be agreed to by the Parties (the &#8220;<font style="font-weight: bold;"><u>Closing Date</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b) &#160; &#160;&#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing Deliverables</u></font>.&#160; Subject to the satisfaction or permitted waiver of the conditions to the Closing set forth in Section 1.2(c),
          at the Closing the Parties shall make the following deliveries:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Company shall deliver to the Investor one or more certificates evidencing the Shares registered in the name of the Investor (or if the Shares are to be uncertificated, the
          Company shall deliver appropriate evidence of such registration of the Shares in the name of the Investor);</div>
        <div>&#160;</div>
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          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the Company shall deliver to the Investor a schedule setting forth the aggregate number of shares of each class of Capital Stock outstanding immediately after giving effect to the
          Merger Transactions, the Concurrent Other Transactions and the transactions contemplated hereby; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160; the Investor shall deliver the Purchase Price by wire transfer of immediately available funds to the account specified by the Company for this purpose by notice to the Investor prior
          to the Closing.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref53247642"></a>(c)&#160;&#160; &#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Closing Conditions</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The obligations of the Investor, on the one hand, and the Company, on the other hand, to consummate the purchase and sale of the Shares provided for in this Agreement are each
          subject to the satisfaction or, to the extent permitted by Law and this Agreement, the waiver by the Company or the Investor, as applicable, of the following conditions to the Closing under this Agreement:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160; All Governmental Consents required to have been obtained at or prior to the Closing Date in connection with the execution, delivery or performance of this Agreement and the consummation
          of the transactions contemplated hereby shall have been obtained and shall be in full force and effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160; The Merger Transactions shall have been consummated in accordance with the Merger Agreement, including the approval of the Merger Agreement by the stockholders of each of the Company and
          CFB;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160; If required under applicable Law or the rules and regulations of the Nasdaq Stock Market, the approval by stockholders of the Company of resolutions providing for the Company&#8217;s
          issuance of the maximum number of shares of Common Stock to be issued under this Agreement and in the Concurrent Other Transactions in accordance with this Agreement, the definitive documentation relating to the Concurrent Other Transactions, and
          applicable Law and the rules and regulations of the Nasdaq Stock Market (such approval being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Stockholder Approval</u></font>&#8221;) shall have been obtained;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160; No provision of any Law in effect shall prohibit the Closing or shall prohibit or restrict the Investor from owning or voting any Shares to be purchased by the Investor hereunder.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(E)&#160;&#160;&#160;&#160;&#160;&#160; Approval by the stockholders of the Company to increase in the authorized number of shares of Voting Common Stock (which will become Class A Common Stock upon completion of the Merger)
          from 50,000,000 shares to 75,000,000 shares, to be effected by the filing of an amended and restated certificate of incorporation of the Company (the &#8220;<font style="font-weight: bold;"><u>Authorized Shares Increase Approval</u></font>&#8221;),<font style="font-weight: bold;">&#160;</font>shall have been obtained.</div>
        <div>&#160;</div>
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          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Investor to consummate the purchase of Shares provided for in this Agreement is also subject to the satisfaction or waiver by the Investor of the following
          conditions to the Closing:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160; (i) The&#160; Company Specified Representations shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on and as of
          the Closing Date and (ii) the other representations and warranties of the Company set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on
          and as of the Closing Date, except, in the case of this clause (ii) only, to the extent that the failure to be true and correct (without regard to any materiality or Material Adverse Effect qualifications contained therein), would not reasonably
          be expected to have, individually or in the aggregate, a Material Adverse Effect and except, in the case of clauses (i) and (ii), that representations and warranties made as of a specified date shall be true and correct as of such date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160; The Company shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior to the
          Closing Date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160; &#160; The Investor shall have received a certificate, dated as of the Closing Date, signed on behalf of the Company by a senior executive officer certifying to the effect that the conditions
          set forth in Section 1.2(c)(ii)(A), Section 1.2(c)(ii)(B) and Section 1.2(c)(ii)(D) have been satisfied on and as of the Closing Date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160; Since the date of this Agreement, no Material Adverse Effect shall have occurred and no change or other event shall have occurred that would reasonably be expected to have, individually
          or in the aggregate, a Material Adverse Effect</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(E)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company shall have executed and delivered a counterpart signature page to the Investor&#8217;s Rights Agreement;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160; The obligation of the Company to consummate the sale of the Shares provided for in this Agreement is also subject to the satisfaction or written waiver by the Company of the following
          conditions to the Closing:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160; The representations and warranties of the Investor set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the
          Closing Date as though made on and as of the Closing Date, except to the extent that the failure to be true and correct (without regard to any materiality qualifications contained therein) would not materially adversely affect the ability of the
          Investor to perform its obligations hereunder and except that (1) representations and warranties made as of a specified date shall be true and correct as of such date and (2) the representations and warranties of the Investor set forth in
          Sections 2.3(d) and 2.3(f) shall be true and correct in all respects;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160; The Investor shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior to
          the Closing Date; and</div>
        <div>&#160;</div>
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          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160; The Company shall have received a certificate, dated as of the Closing Date, signed on behalf of the Investor by a duly authorized person certifying to the effect that the conditions
          set forth in Section 1.2(c)(iii)(A) and Section 1.2(c)(iii)(B) have been satisfied on and as of the Closing Date.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 2.<br>
          <br>
          <a name="z_Toc53655906"></a><a name="z_Toc55380681"></a><a name="z_Toc64035350"></a>REPRESENTATIONS AND WARRANTIES</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655907"></a><a name="z_Toc55380682"></a><a name="z_Toc64035351"></a><font style="font-weight: bold;">2.1</font>&#160;&#160; &#160;&#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Certain Terms</u></font>.
        </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160; &#160; &#160;&#160; &#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Material Adverse Effect</u></font>&#8221; means any circumstance, event, change, development or effect that,
          individually or in the aggregate, would reasonably be expected to (i) result in a material adverse effect on the assets, liabilities, business, financial condition or results of operations of the Company and the Company Subsidiaries, taken as a
          whole, or (ii) materially impair or delay the ability of the Company or any of the Company Subsidiaries to perform its or their obligations under this Agreement to consummate the Closing or any of the transactions contemplated hereby; provided,
          however, that in determining whether a Material Adverse Effect has occurred under clause (i), there shall be excluded any circumstance, event, change, development or effect to the extent resulting from (A) actions or omissions of the Company or
          any Company Subsidiary expressly required or contemplated by the terms of this Agreement, (B) changes after the date hereof in general economic conditions in the United States, including financial market volatility or downturns, or in the markets
          in which the Company and the Company Subsidiaries operate, (C) changes after the date hereof affecting the banking industry generally, (D) any changes after the date hereof in applicable Laws or accounting rules or principles, including changes
          in GAAP, (E) changes in the market price or trading volume of the Common Stock or the Company&#8217;s other outstanding securities (but not the underlying causes of such changes), (F) any epidemic, pandemic or disease outbreak (including the Covid-19
          virus) including any worsening of such conditions; or (G) any failure by the Company or any of the Company Subsidiaries to meet any internal projections or forecasts with regard to the assets, liabilities, business, financial condition or results
          of operations of the Company and the Company Subsidiaries, taken as a whole (but not the underlying causes of such failure), in each case to the extent that such circumstance, event, change, development or effect referred to in clauses (B), (C),
          (D) and (F) do not have a disproportionate effect on the Company and the Company Subsidiaries compared to other participants in the industries or markets in which the Company and the Company Subsidiaries operate.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160; &#160; &#160; &#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Previously Disclosed</u></font>&#8221; (i) with regard to any Party, means information set forth in its Disclosure
          Schedule under Section references corresponding with the provision of this Agreement to which such information relates (including, in the case of the Company, information identified in the Company&#8217;s Disclosure Schedule); provided, however, that
          if such information is disclosed in such a way as to make its relevance or applicability to another provision of this Agreement reasonably apparent on its face, such information shall be deemed to be responsive to such other provision of this
          Agreement and (ii) with regard to the Company, includes information publicly disclosed by the Company in any reports, schedules, forms, statements and other documents filed or furnished by the Company under the Securities Act and the Exchange Act
          with the Securities and Exchange Commission (the &#8220;<font style="font-weight: bold;"><u>SEC</u></font>&#8221;), including pursuant to Section 13(a) or 15(d) thereof, since December 31, 2017, in each case available prior to the date of this Agreement
          (excluding any risk factor disclosures contained in such documents under the heading &#8220;Risk Factors&#8221; and any disclosure of risks included in any &#8220;forward-looking statements&#8221; disclaimer or other statements that are similarly non-specific and are
          predictive or forward-looking in nature). Notwithstanding anything in this Agreement to the contrary, the mere inclusion of an item in a Disclosure Schedule shall not be deemed an admission that such item represents a material exception or
          material fact, event or circumstance or that such item has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">5</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655908"></a><a name="z_Toc55380683"></a><a name="z_Toc64035352"></a><font style="font-weight: bold;">2.2</font>&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Representations and
              Warranties of the Company</u></font>.&#160; Except as Previously Disclosed, the Company hereby represents and warrants to the Investor, as of the date of this Agreement and as of the Closing Date (except for the representations and warranties that
          are as of a specific date, which are made as of that date) that: </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; Each of the Company and the Company Subsidiaries is a corporation or other entity duly organized and
          validly existing under the laws of the jurisdiction of its incorporation or organization, is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of property or the conduct of its business
          requires it to be so qualified, except where any failure to be so qualified would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and has the corporate or other organizational power and authority
          to own its properties and assets and to carry on its business as it is now being conducted.&#160; The Company has Previously Disclosed correct and complete copies of the certificate of incorporation and bylaws (or similar governing documents) as
          amended through the date of this Agreement for the Company and Broadway Federal Bank, f.s.b. (the &#8220;<font style="font-weight: bold;"><u>Bank</u></font>&#8221;).&#160; The Company is duly registered with the Board of Governors of the Federal Reserve System
          (the &#8220;<font style="font-weight: bold;"><u>Federal Reserve</u></font>&#8221;) as a savings and loan holding company under the Savings and Loan Holding Company Act, as amended, 12 U.S.C. 1467a (the &#8220;<font style="font-weight: bold;"><u>SLHCA Act</u></font>&#8221;).&#160;
          As of the date hereof, the Company is a certified &#8220;community development financial institution&#8221; designated as such under the Community Development Banking and Financial Institutions Act of 1994, as amended (12 U.S.C. Sections 5311 et seq.) and
          its implementing regulations, as applicable (a &#8220;<font style="font-weight: bold;">CDFI</font>&#8221;).&#160; Following the consummation of the Bank Merger, the Surviving Bank will apply to be designated as a CDFI.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Company Subsidiaries</u></font>.&#160; As of the date of this Agreement, the Company has Previously Disclosed a true, complete and correct list of each
          entity in which the Company, directly or indirectly, owns sufficient capital stock or holds a sufficient equity or similar interest such that it is consolidated with the Company in the financial statements of the Company or has the power to elect
          a majority of the board of directors or other persons performing similar functions (each, a &#8220;<font style="font-weight: bold;"><u>Company Subsidiary</u></font>&#8221; and, collectively, the &#8220;<font style="font-weight: bold;"><u>Company Subsidiaries</u></font>&#8221;).&#160;

          Except for the Company Subsidiaries, the Company does not own beneficially or control, directly or indirectly, more than 5% of any class of equity securities or similar interests of any corporation, bank, business trust, association or similar
          organization, and, except as Previously Disclosed, is not, directly or indirectly, a partner in any general partnership or party to any joint venture or similar arrangement.&#160; The Company owns, directly or indirectly, all of its interests in each
          Company Subsidiary free and clear of any and all Liens.&#160; No equity security of any Company Subsidiary is or may be required to be issued by reason of any option, warrant, scrip, preemptive right, right to subscribe to, gross-up right, call or
          commitment of any character whatsoever relating to, or security or right convertible into, shares of any capital stock or other interest of such Company Subsidiary, and there are no contracts, commitments, understandings or arrangements by which
          any Company Subsidiary is bound to issue additional shares of its capital stock or other interest, or any option, warrant or right to purchase or acquire any additional shares of its capital stock.&#160; The deposit accounts of the Bank are insured by
          the Federal Deposit Insurance Corporation (&#8220;<font style="font-weight: bold;"><u>FDIC</u></font>&#8221;) to the fullest extent permitted by the Federal Deposit Insurance Act, as amended, and the rules and regulations of the FDIC thereunder, and all
          premiums and assessments required to be paid in connection therewith have been paid when due (after giving effect to any applicable extensions). The Company beneficially owns all of the outstanding capital securities of, and has sole control of,
          the Bank.</div>
        <div>&#160;</div>
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          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">6</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160; &#160; &#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Capitalization</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except as set forth on the Disclosure Schedule, as of the date hereof, the authorized Capital Stock of the Company consists of 50,000,000 shares of Voting Common Stock, par value
          $0.01 per share (&#8220;<font style="font-weight: bold;"><u>Voting Common Stock</u></font>&#8221;), 25,000,000 shares of Non-Voting Common Stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Non-Voting Common Stock</u></font>&#8221;), and 1,000,000 shares
          of preferred stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Preferred Stock</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, before giving effect to the transaction provided for herein, the Merger Transactions and the Concurrent Other Transactions the Company has issued and
          outstanding: (i)&#160;19,281,758 of shares of Voting Common Stock, including 556,169 shares of Voting Common Stock granted in respect of outstanding restricted stock awards, (ii) 1,637,902 shares of Voting Common Stock held by the trust for the
          Broadway Federal Bank, f.s.b. Employee Stock Ownership Plan, (iii) 8,756,396 shares of Non-Voting Common Stock and (iv) no shares of Preferred Stock.&#160; Schedule 2.2(c)(ii) of the Company&#8217;s Disclosure Schedule sets forth the pro forma shares of
          each class of Capital Stock of the Company as of the date hereof, after giving effect to the transaction provided for herein, the Merger and the Concurrent Other Transactions.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, other than in respect of awards outstanding under or issuable pursuant to the Company&#8217;s 2008 Long-Term Incentive Plan (the &#8220;<font style="font-weight: bold;"><u>Company

              Stock Plan</u></font>&#8221;) consisting of options to purchase an aggregate of 450,000 shares of common stock, and except in connection with this Agreement and the transactions contemplated hereby, the Merger Agreement and the Concurrent Other
          Transactions, the Company has not (A) agreed to issue or authorized the issuance after the date hereof of any shares of Common Stock or Preferred Stock, or any securities convertible into or exchangeable or exercisable for shares of Common Stock
          or Preferred Stock, (B) reserved for issuance any shares of Capital Stock of the Company or (C) repurchased or redeemed, or agreed to or authorized the repurchase or redemption of, any shares of Capital Stock of the Company.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160;&#160; All of the issued and outstanding shares of Capital Stock of the Company have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights,
          except for the preemptive rights granted to certain institutional stockholders of the Company identified on Schedule 2.2(c)(iv) of the Company&#8217;s Disclosure Schedule.&#160; None of the outstanding shares of Capital Stock or other securities of the
          Company or any of the Company Subsidiaries was issued, sold or offered by the Company or any Company Subsidiary in violation of the Securities Act of 1933, as amended (the &#8220;<font style="font-weight: bold;"><u>Securities Act</u></font>&#8221;) or the
          securities or blue sky laws of any state or jurisdiction, or in violation of any agreement, arrangement or commitment to which the Company was or is a party or subject, or in violation of any preemptive or similar rights of any Person.&#160; No bonds,
          debentures, notes or other indebtedness having the right to vote on any matters on which the stockholders of the Company may vote (&#8220;<font style="font-weight: bold;"><u>Voting Debt</u></font>&#8221;) are issued and outstanding.</div>
        <div>&#160;</div>
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          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">7</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160; &#160; As of the date of this Agreement, except for the outstanding awards under the Company Stock Plan, the Company does not have and is not bound by any outstanding subscriptions, options,
          warrants, calls, commitments or agreements of any character calling for the purchase or issuance of, or securities or rights convertible into or exchangeable or exercisable for, any shares of Capital Stock or Voting Debt of the Company.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160; &#160; &#160;&#160; &#160; <font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company has the corporate power and authority to execute and deliver the Transaction Agreements and to perform its obligations hereunder and thereunder.&#160; The Board of Directors
          has approved the transactions contemplated by the Transaction Agreements.&#160; This Agreement has been, and the Investor&#8217;s Rights Agreement will be, when executed and delivered by the Company, duly and validly executed and delivered by the Company
          and, assuming due authorization, execution and delivery by the Investor, is, and the Investor&#8217;s Rights Agreement will be, the valid and binding obligation of the Company enforceable against the Company in accordance with its terms, except as
          enforcement may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles (whether applied
          in equity or at law).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution and delivery by the Company of the Transaction Agreements nor the consummation of the transactions contemplated hereby and thereby, nor compliance by the
          Company with any of the provisions hereof, will, with or without the passage of time and giving of notice, (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of
          time or both, would constitute a default) under, or result in the termination of, or result in the loss of any benefit or creation of any right on the part of any third party under, or accelerate the performance required by, or result in a right
          of termination or acceleration of, or result in the creation of any liens, charges, adverse rights or claims, pledges, covenants, title defects, security interests or other encumbrances of any kind (&#8220;<font style="font-weight: bold;"><u>Liens</u></font>&#8221;)

          upon any of the properties or assets of the Company or any Company Subsidiary, under any of the terms, conditions or provisions of (1) the certificate of incorporation or bylaws (or similar governing documents) of the Company and each Company
          Subsidiary or (2) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Company or any of the Company Subsidiaries is a party or by which it may be bound, or to which the
          Company or any of the Company Subsidiaries, or any of the properties or assets of the Company or any of the Company Subsidiaries may be subject, or (B) violate any Law applicable to the Company or any of the Company Subsidiaries or any of their
          respective properties or assets except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">8</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160; &#160; &#160;&#160; &#160; <font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
          delivery of this Agreement or for the sale by the Company of Common Stock to the Investor pursuant to this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160; &#160; &#160;&#160; &#160; <font style="font-weight: bold;"><u>Litigation and Other Proceedings</u></font>.&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material
          Adverse Effect, or as would not reasonably be expected to adversely impact the reputation of the Company, the Company Subsidiaries or their respective investors in any material respect, there is no pending or, to the Knowledge of the Company,
          threatened claim, action, suit, arbitration, complaint, charge or investigation or proceeding (each an &#8220;<font style="font-weight: bold;"><u>Action</u></font>&#8221;) against the Company or any Company Subsidiary or any of their respective assets,
          rights or properties, nor is the Company or any Company Subsidiary a party or named as subject to the provisions of any order, writ, injunction, settlement, judgment or decree of any court, arbitrator or government agency, or instrumentality.&#160;
          There has not been, and to the Knowledge of the Company, there is not pending or contemplated, any investigation or other Action by the SEC involving the Company or any current or former director or officer of the Company in his or her capacity
          as such.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(g)&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Financial Statements</u></font>.&#160; The audited consolidated balance sheets of the Company and the Company Subsidiaries and the related consolidated
          statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s Annual Report on Form 10-K filed with the SEC for the year ended December 31, 2019 and the unaudited consolidated
          balance sheets of the Company and the Company Subsidiaries and the related unaudited consolidated statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s quarterly
          reports on Form 10-Q filed with the SEC for the quarterly period ending September 30, 2020 (the &#8220;<font style="font-weight: bold;"><u>Company Financial Statements</u></font>&#8221;) (i) have been prepared from, and are in accordance with, the books and
          records of the Company and the Company Subsidiaries, (ii) complied, as of the date of such filing, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto,
          (iii) have been prepared in accordance with GAAP applied on a consistent basis and (iv) present fairly in all material respects the consolidated financial position of the Company and the Company Subsidiaries at the dates and the consolidated
          results of operations, changes in stockholders&#8217; equity and cash flows of the Company and the Company Subsidiaries for the periods stated therein.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(h) &#160; &#160;&#160; &#160; <font style="font-weight: bold;"><u>Reports</u></font>.&#160; Since December 31, 2017, the Company and each Company Subsidiary have filed all material reports, registrations, documents,
          filings, statements and submissions, together with any required amendments thereto, that they were required to file with any Governmental Entity, including all those required under the Exchange Act, including pursuant to Section 13(a) or 15(d)
          thereof (the foregoing, collectively, being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Company Reports</u></font>&#8221;) and have paid all material fees and assessments due and payable in connection therewith.&#160; As of their
          respective filing dates, or as subsequently amended prior to the date hereof, the Company Reports complied in all material respects with all statutes and applicable rules and regulations of the applicable Governmental Entities.&#160; As of the date of
          this Agreement, there are no outstanding comments from the SEC or any other Governmental Entity with respect to any Company Report that were the subject of written correspondence that have not been resolved.&#160; The Company Reports, including the
          documents incorporated by reference in each of them, each contained all the information required to be included in it and, when it was filed and, as of the date of each such Company Report filed with the SEC, or if amended prior to the date of
          this Agreement, as of the date of such amendment, did not contain an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made in it, in light of the circumstances under which they were
          made, not misleading and complied as to form in all material respects with the applicable requirements of the Securities Act and the Securities Exchange Act of 1934, as amended (the &#8220;<font style="font-weight: bold;"><u>Exchange Act</u></font>&#8221;).&#160;
          No executive officer of the Company has failed in any respect to make the certifications required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act of 2002.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">9</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(i)&#160; &#160; &#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Internal Accounting and Disclosure Controls</u></font>.&#160; The records, systems, controls, data and information of the Company and the Company
          Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of the Company or the
          Company Subsidiaries (including all means of access thereto and therefrom) or reputable banking industry service providers, except for any non-exclusive ownership and non-direct control that would not reasonably be expected to have an adverse
          effect on the system of internal accounting controls described below in this Section 2.2(i).&#160; The Company (i) has implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) intended to ensure
          that material information relating to the Company, including its consolidated Subsidiaries, is made known to the chief executive officer and the chief financial officer of the Company by others within those entities, and (ii) has disclosed, based
          on its most recent evaluation prior to the date of this Agreement, to the Company&#8217;s outside auditors and the audit committee of the Board of Directors (A) any significant deficiencies and material weaknesses in the design or operation of internal
          control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) that are reasonably likely to adversely affect the Company&#8217;s ability to record, process, summarize and report financial information, and (B) any fraud, whether or
          not material, that involves management or other employees who have a significant role in the Company&#8217;s internal controls over financial reporting.&#160; As of the date of this Agreement, the Company has no Knowledge of any reason that its outside
          auditors and its chief executive and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act of 2002, without
          qualification, when due.&#160; Since December 31, 2017, neither the Company nor any Company Subsidiary nor, to the Knowledge of the Company, any director, officer, employee, auditor, accountant or representative of the Company or any Company
          Subsidiary has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods of the Company
          or any Company Subsidiary or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that the Company or any Company Subsidiary has engaged in questionable accounting or auditing practices.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref_ContractCompanion_9kb9Ur04C"></a>(j)&#160;&#160;&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Data Privacy</u></font>. </div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">10</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(i)</font>&#160; &#160; &#160;&#160; &#160;&#160; The Company and the Company Subsidiaries have taken reasonable steps consistent with customary industry practices to protect the
          confidentiality, integrity, availability and security of the computers, servers, workstations, routers, hubs, switches, circuits, networks and other information technology equipment owned or controlled by them or by any third party and material
          to the Company and the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company IT Assets</u></font>&#8221;) (and all information and transactions stored or contained therein or transmitted thereby) against any unauthorized use, access,
          interruption, modification or corruption, and there has been no unauthorized use, access, interruption, modification or corruption of the Company IT Assets.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160; In connection with their receipt, purchase, collection, securing, safeguarding, storage, transfer (including any transfer across national
          borders), disclosure, destruction/disposal, and/or use or other processing of any Personal Information, each of the Company and the Company Subsidiaries, is and has been, in material compliance with all Privacy Laws, their respective privacy
          policies and the requirements of any contract or codes of conduct to which any of the Company or the Company Subsidiaries is a party.&#160; The privacy policies of the Company are customary for the industry in which the Company operates.&#160; The Company
          and the Company Subsidiaries have commercially reasonable and appropriate physical, technical, organizational, and administrative security measures and policies in place designed to protect all Personal Information collected by them or on their
          behalf from and against unauthorized access, use, interruption, modification, corruption, and/or disclosure.&#160; The Company and the Company Subsidiaries have binding written agreements obligating (in accordance with and as required by Privacy Laws
          (as applicable)) all third parties collecting, accessing, receiving, storing or processing Personal Information on behalf of the Company and the Company Subsidiaries to (i) comply with all applicable Privacy Laws, (ii) take commercially
          reasonable and appropriate steps to protect and secure such Personal Information from and against unauthorized access, use interruption, modification, corruption, and/or disclosure which are no less stringent than those applied by the Company and
          the Company Subsidiaries and (iii) promptly notify the Company and the Company Subsidiaries of any unauthorized access, use interruption, modification, corruption, and/or disclosure of Personal Information or Company IT Assets processing Personal
          Information.&#160; The Company and the Company Subsidiaries are, and since December 31, 2017, have been, in compliance in all material respects with all Privacy Laws and any other applicable Laws in all relevant jurisdictions relating to data loss,
          theft and breach of security notification obligations.&#160; Since December 31, 2017, none of the Company or any of the Company Subsidiaries has experienced a material breach of its information technology systems or a data loss or theft as defined by
          the Laws in all relevant jurisdictions.&#160; None of the Company or any of the Company Subsidiaries has been charged with, or received any notice of any claims of, the violation in any material respect of any Privacy Laws or any of their respective
          privacy policies.&#160; The consummation of the transactions contemplated hereby will not breach or otherwise cause any violation of any Privacy Law.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; For the purposes of this <u>Section&#160;2.2(j)</u>:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(1)</font>&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<u>Personal Information</u>&#8221; means, in addition to any definition provided by applicable law or by the Company and the Company Subsidiaries
          in any of their respective privacy policies, contracts, or other public-facing statements for any similar term (<font style="font-style: italic;">e.g.</font>, &#8220;personally identifiable information&#8221; or &#8220;PII&#8221;), all information identifying, regarding
          or capable of being associated with an individual person or device.&#160; Personal Information may relate to any individual, including a current, prospective or former client (or a client&#8217;s customer or end user) or employee of any Person, and includes
          information in any form, including paper, electronic and other forms.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">11</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(2)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<u>Privacy Laws</u>&#8221; means all applicable laws, legal requirements, and self-regulatory guidelines and principles relating to privacy, data
          security, and Personal Information and similar applicable consumer protection laws, including with respect to the receipt, collection, compilation, use, storage, processing, sharing, safeguarding, security, disposal, destruction, disclosure or
          transfer of Personal Information and any and all applicable laws governing breach notification in connection with Personal Information.&#160; As used in this Agreement, &#8220;Privacy Laws&#8221; shall include the California Consumer Privacy Act, General Data
          Protection Regulation and the rules and regulations promulgated thereunder, and applicable state laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>No Undisclosed Liabilities</u></font>.&#160; There are no liabilities of the Company or any of the Company Subsidiaries of any kind whatsoever, whether
          accrued, contingent, absolute, determined, determinable or otherwise, except for (i) liabilities adequately reflected or reserved against in accordance with GAAP in the Company&#8217;s audited balance sheet as of December 31, 2019 and (ii) liabilities
          that have arisen in the ordinary and usual course of business and consistent with past practice since December 31, 2019 and that have not or would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(l)&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Mortgage Lending</u></font>.&#160; The Company and each of the Company Subsidiaries have complied in all material respects with, and all documentation
          in connection with the origination, processing, underwriting and credit approval of any mortgage loan originated, purchased or serviced by the Company or any Company Subsidiary has satisfied, in all material respects (i) all Laws with respect to
          the origination, insuring, purchase, sale, servicing, or filing of claims in connection with mortgage loans, including all Laws relating to real estate settlement procedures, consumer credit protection, truth in lending laws, usury limitations,
          fair housing, transfers of servicing, collection practices, equal credit opportunity and adjustable rate mortgages, (ii) the responsibilities and obligations relating to mortgage loans set forth in any agreement between the Company and any
          Agency, Loan Investor or Insurer, (iii) the applicable rules, regulations, guidelines, handbooks and other requirements of any Agency, Loan Investor or Insurer and (iv) the terms and provisions of any mortgage or other collateral documents and
          other loan documents with respect to each mortgage loan.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(m)&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Bank Secrecy Act; Anti-Money Laundering; OFAC; and Customer Information</u></font>.&#160; The Company is not aware of, has not been advised of, and, to
          the Knowledge of the Company, has no reason to believe that any facts or circumstances exist that would cause it or any Company Subsidiary to be deemed to be not operating in compliance, in all material respects, with the Bank Secrecy Act of
          1970, as amended, the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (also known as the USA PATRIOT Act), any order or regulation issued by the Treasury&#8217;s Office of
          Foreign Assets Control (&#8220;<font style="font-weight: bold;"><u>OFAC</u></font>&#8221;), or any other applicable anti-money laundering or anti-terrorist-financing statute, rule or regulation.&#160; The Company is not aware of any facts or circumstances that
          would cause it to believe that any nonpublic customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause it to undertake any material remedial action.&#160; The Company and each of the Company
          Subsidiaries have adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with the USA PATRIOT Act and such anti-money laundering program meets
          the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and they have complied in all respects with any requirements to file reports and other necessary documents as required by the USA
          PATRIOT Act and the regulations thereunder.&#160; The Company will not directly or indirectly use the proceeds of the sale of the Common Stock pursuant to transactions contemplated by this Agreement, or lend, contribute or otherwise make available
          such proceeds to any Company Subsidiary, joint venture partner or other Person, towards any sales or operations in any country appearing on the OFAC Specially Designated Nationals List (&#8220;<font style="font-weight: bold;"><u>SDN List</u></font>&#8221;)
          or for the purpose of financing the activities of any Person currently appearing on the SDN List.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">12</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(n) &#160; &#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Certain Payments</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries, nor any directors, officers, nor to the Knowledge of the
          Company, employees or any of their Affiliates or any other Person who to the Knowledge of the Company is associated with or acting on behalf of the Company or any of the Company Subsidiaries has directly or indirectly (i) made any contribution,
          gift, bribe, rebate, payoff, influence payment, kickback, or other payment in material violation of any Law, including the U.S. Foreign Corrupt Practices Act of 1977, as amended, and any applicable anti-bribery or anti-corruption laws, to any
          Person, private or public, regardless of form, whether in money, property, or services (A) to obtain favorable treatment in securing business for the Company or any of the Company Subsidiaries, (B) to pay for favorable treatment for business
          secured by the Company or any of the Company Subsidiaries, or (C) to obtain special concessions or for special concessions already obtained, for or in respect of the Company or any of the Company Subsidiaries or (ii) established or maintained any
          fund or asset with respect to the Company or any of the Company Subsidiaries that was required by Law or GAAP to have been recorded and was not recorded in the books and records of the Company or any of the Company Subsidiaries.&#160; <font style="color: #000000;">Neither the Company nor any Company Subsidiaries has conducted any internal investigation, made any voluntary, directed, or involuntary disclosure to any Governmental Entity, or received any audit report, written
            communication from a Governmental Entity, or whistleblower or other written complaint, involving alleged violations in any material respect of </font>the U.S. Foreign Corrupt Practices Act of 1977, as amended, and any applicable anti-bribery
          or anti-corruption laws <font style="color: #000000;">on the part of the Company, any of the Company Subsidiaries, or any Person acting on behalf of the Company or any of the Company Subsidiaries.</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(o)&#160; &#160; &#160;&#160; &#160; <font style="font-weight: bold;"><u>Absence of Certain Changes</u></font>.&#160; Since December 31, 2019 and except as Previously Disclosed or as required or contemplated by the terms of
          this Agreement, (i) the Company and the Company Subsidiaries have conducted their respective businesses in all material respects in the ordinary and usual course of business consistent with past practices, (ii) through (and including) the date of
          this Agreement, no fact, event, change, condition, development, circumstance or effect has occurred that has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and (iii) no material default
          (or event which, with notice or lapse of time, or both, would constitute a material default) exists on the part of the Company or any Company Subsidiary in the due performance and observance of any term, covenant or condition of any agreement to
          which the Company or any Company Subsidiary is a party and which would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">13</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Compliance with Laws</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company, each Company Subsidiary and each of their officers, agents, representatives and employees possesses, holds and have all material permits, licenses, franchises,
          authorizations, orders, consents, registrations, accreditations and approvals of, and have made all filings, applications and registrations with, Governmental Entities that are required in order to permit the Company and each Company Subsidiary
          to own or lease their properties and assets and to carry on their business as presently conducted and that are material to the business of the Company and each Company Subsidiary (collectively, the &#8220;<font style="font-weight: bold;"><u>Governmental

              Authorizations</u></font>&#8221;).&#160; The Company and the Company Subsidiaries, and to the Company&#8217;s Knowledge, their respective officers, agents, representatives and employees, are not in default under any of such Governmental Authorizations, which
          default(s) would be, or be reasonably expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; The Company and each Company Subsidiary have complied with and (A) are not, and
          since December 31, 2017, have not been, in default or violation in any respect of, (B) are not under investigation with respect to, and (C) have not been threatened to be charged with or given notice of any material violation of, any applicable
          material domestic (federal, state or local) or foreign law, statute, ordinance, license, rule, regulation, policy or guideline, order, demand, writ, injunction, decree or judgment of any Governmental Entity (each, a &#8220;<font style="font-weight: bold;"><u>Law</u></font>&#8221;), other than such noncompliance, defaults or violations as would not reasonably be expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; No
          Governmental Entity has placed any material restriction on the business or properties of the Company or any of the Company Subsidiaries.&#160; As of the date hereof, the Bank has a Community Reinvestment Act rating of &#8220;outstanding.&#8221;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160; &#160; &#160;&#160;&#160; Except for normal examinations conducted by a Governmental Entity in the ordinary course of business of the Company and the Company Subsidiaries, (A) no Governmental Entity has
          initiated or has pending any proceeding or, to the Knowledge of the Company, investigation into the business or operations of the Company or any of the Company Subsidiaries since December 31, 2017, (B) there is no unresolved violation or
          exception by any Governmental Entity with respect to any report or statement relating to any examinations or inspections of the Company or any of the Company Subsidiaries, and (C) there have been no formal or informal inquiries by, or
          disagreements or disputes with, any Governmental Entity with respect to the business, operations, policies or procedures of the Company or any of the Company Subsidiaries since December 31, 2017, in each case of clauses (A) through (C), which
          would reasonably be expected, individually or in the aggregate, to be material to the Company and the Company Subsidiaries (taken as a whole).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160; &#160;&#160; The Company and the Company Subsidiaries are not, and since December 31, 2017, have not been, in violation or default of any provisions of their respective certification of
          incorporation or bylaws (or similar governing documents).</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">14</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Adequate Capitalization</u></font>.&#160; As of September 30, 2020, the Bank met or exceeded the standards necessary to be considered &#8220;adequately
          capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.&#160; As of the Closing and after giving effect to this Agreement, the transactions contemplated hereby and the Concurrent Transactions, the Bank meets or exceeds the
          standards necessary to be considered &#8220;adequately capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Agreements with Regulatory Agencies</u></font>.&#160; The Company and the Company Subsidiaries (A) are not subject to any cease-and-desist or other
          similar order or enforcement action issued by, (B) are not a party to any written agreement, consent agreement or memorandum of understanding with, (C) are not a party to any commitment letter or similar undertaking to, and (D) are not subject to
          any capital directive by, and since December 31, 2019, neither the Company nor any of the Company Subsidiaries has adopted any board resolutions at the request of any Governmental Entity that currently restricts in any material respect the
          conduct of its business or that in any material manner relates to its capital adequacy, its liquidity and funding policies and practices, its ability to pay dividends, its credit, risk management or compliance policies, its internal controls, its
          management or its operations or business, nor has the Company nor any of the Company Subsidiaries been advised since December 31, 2019 by any Governmental Entity that it is considering issuing, initiating, ordering, or requesting any of the same.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Insurance</u></font>.&#160; The Company and each of the Company Subsidiaries are presently insured, and have been insured for at least the past two
          years, for reasonable amounts with financially sound and reputable insurance companies against such risks as companies engaged in a similar business would, in accordance with good business practice, customarily be insured.&#160; All of the policies,
          bonds and other arrangements providing for the foregoing (the &#8220;<font style="font-weight: bold;"><u>Company Insurance Policies</u></font>&#8221;) are in full force and effect, the premiums due and payable thereon have been or will be timely paid through
          the Closing Date, and there is no material breach or default (and no condition exists or event has occurred that, with the giving of notice or lapse of time or both, would constitute such a material breach or default) by the Company or any of the
          Company Subsidiaries under any of the Company Insurance Policies or, to the Knowledge of the Company, by any other party to the Company Insurance Policies.&#160; Neither the Company nor any of the Company Subsidiaries has received any written notice
          of cancellation or non-renewal of any Company Insurance Policy nor, to the Knowledge of the Company, is the termination of any such policies threatened in writing by the insurer, and there is no material claim for coverage by the Company, or any
          of the Company Subsidiaries, pending under any of such Company Insurance Policies as to which coverage has been denied or disputed by the underwriters of such Company Insurance Policies or in respect of which such underwriters have reserved their
          rights.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160; &#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Title</u></font>.&#160; The Company and the Company Subsidiaries have good and marketable title in fee simple to all real property owned by them and
          good and valid title to all material personal property owned by them, in each case free and clear of all Liens, except for Liens which do not materially affect the value of such property or do not interfere with the use made and proposed to be
          made of such property by the Company or any Company Subsidiary.&#160; Any real property and facilities held under lease by the Company or the Company Subsidiaries are leased pursuant to valid, subsisting and enforceable leases with such exceptions
          that are not material and do not interfere with the use made and proposed to be made of such property and facilities by the Company or the Company Subsidiaries.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">15</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc334353686"></a><a name="z_Ref210137921"></a>(u)&#160; &#160; &#160;&#160; &#160; <font style="font-weight: bold;"><u>Intellectual Property</u></font><font style="font-weight: bold;">.</font>&#160; The Company
          and the Company Subsidiaries own or possess adequate rights or licenses to use all trademarks, service marks and all applications and registrations therefor, trade names, patents, patent rights, copyrights, original works of authorship,
          inventions, trade secrets and other intellectual property rights (collectively, &#8220;<font style="font-weight: bold;"><u>Intellectual Property Rights</u></font>&#8221;) used in their businesses as conducted on the date of this Agreement, except as would
          not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.&#160; To the Knowledge of the Company, no product or service of the Company or the Company Subsidiaries infringes the Intellectual Property Rights of
          others. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(v)&#160; &#160; &#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Employee Benefits</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 2.2(v) of the Disclosure Schedule sets forth a correct and complete list of each &#8220;<u>employee benefit plan</u>&#8221; (within the meaning of Section 3(3) of the Employee Retirement
          Income Security Act of 1974, as amended (&#8220;<font style="font-weight: bold;"><u>ERISA</u></font>&#8221;), including, without limitation, multiemployer plans within the meaning of Section 3(37) of ERISA), and all stock purchase, stock option, severance,
          employment, change-in-control, fringe benefit, bonus, incentive, deferred compensation and all other employee benefit plans, agreements, programs, policies or other arrangements, whether or not subject to ERISA (including any funding mechanism
          therefor now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (A) any current or former employee or director of the Company
          or any of the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company Employees</u></font>&#8221;) has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or any of the Company
          Subsidiaries or (B) the Company or any Company Subsidiary has had or has any present or future liability. All such plans, agreements, programs, policies and arrangements are collectively referred herein to as the &#8220;<font style="font-weight: bold;"><u>Benefit

              Plans</u></font>.&#8221;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; (A) Each Benefit Plan has been established and administered in all material respects in accordance with its terms, and in compliance with the applicable provisions of ERISA, the Code
          and other Laws&#894; (B) no &#8220;reportable event&#8221; (as such term is defined in Section 4043 of ERISA) that could reasonably be expected to result in material liability has occurred with respect to any Benefit Plan, and (C) no non-exempt &#8220;prohibited
          transaction&#8221; (as such term is defined in Section 406 of ERISA and Section 4975 of the Code) has been engaged in by the Company or any Company Subsidiary with respect to any Benefit Plan that has or is expected to result in any material liability
          or &#8220;accumulated funding deficiency&#8221; (as such term is defined in Section 302 of ERISA and Section 412 of the Code (whether or not waived)).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries will be in compliance, as of the Closing Date, with Sections 111 and 302 of the Emergency Economic Stabilization Act of 2008, as amended by
          the U.S. American Recovery and Reinvestment Act of 2009, including all guidance issued thereunder by a Governmental Entity (collectively &#8220;<font style="font-weight: bold;"><u>EESA</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">16</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160; None of the Company or any Company Subsidiary or any trade or business, whether or not incorporated (an &#8220;<font style="font-weight: bold;"><u>ERISA Affiliate</u></font>&#8221;), all of which
          together with the Company or any Company Subsidiary would be deemed a &#8220;single employer&#8221; within the meaning of Section 4001 of ERISA, has, at any time during the last six years, contributed to or been obligated to contribute to any plan that is
          (i) subject to Title IV or Section 302 of ERISA or Section 412 or 4971 of the Code or (ii) a &#8220;multiemployer plan&#8221; within the meaning of Section 4001(a)(3) of ERISA (a &#8220;<font style="font-weight: bold;"><u>Multiemployer Plan</u></font>&#8221;) or a plan
          that has two or more contributing sponsors at least two of whom are not under common control, within the meaning of Section 4063 of ERISA; and none of Company and the Company Subsidiaries nor any of their respective ERISA Affiliates has incurred
          any liability to a Multiemployer Plan as a result of a complete or partial withdrawal from such Multiemployer Plan, as those terms are defined in Part I of Subtitle E of Title IV of ERISA.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the Company nor any Company Subsidiary has any material unfunded liabilities existing under or in connection with any Benefit Plan, and each such Benefit Plan has been
          established and administered in all respects in accordance with its terms, and in compliance with applicable law, except where failure to be in compliance would not reasonably be expected to result in, individually or in the aggregate, a Material
          Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(vi)&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution of the Transaction Agreements nor the consummation of the transactions contemplated hereby and thereby could (either alone or in conjunction with any other
          event) reasonably be expected to result in, cause the accelerated vesting, funding or delivery of, or increase the amount or value of, any payment or benefit to any employee, officer or director of the Company or any Company Subsidiary.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Hlk64027084"></a>(w)&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Taxes</u></font>.&#160; All material Tax Returns required to be filed by, or on behalf of, the Company or the Company
          Subsidiaries have been timely filed, or will be timely filed, in accordance with all Laws, and all such Tax Returns are, or will be at the time of filing, complete and correct in all material respects.&#160; The Company and the Company Subsidiaries
          have timely paid all material Taxes due and payable (whether or not shown on such Tax Returns), or, where payment is not yet due, have made adequate financial statement provisions therefor in accordance with GAAP.&#160; Neither the Company nor any of
          the Company subsidiaries has participated in any &#8220;listed transactions&#8221; within the meaning of Treasury Regulations Section 1.6011-4.&#160; There are no Liens with respect to Taxes upon any of the assets or properties of either the Company or the
          Company Subsidiaries other than with respect to Taxes not yet due and payable.&#160; As of the date of this Agreement, there are not pending or threatened in writing, any audits, examinations, investigations or other proceedings initiated by the
          Internal Revenue Service in respect of U.S. federal income tax matters.&#160; None of the Company or any of the Company Subsidiaries has been a &#8220;controlled corporation&#8221; or a &#8220;distributing corporation&#8221; in any distribution occurring during the two-year
          period ending on the date hereof that was purported or intended to be governed by Section&#160;355 of the Code (or any similar provision of state, local or foreign Law).&#160; The Company and each Company Subsidiary is, and has been since the date of its
          formation, a corporation for U.S. federal income tax purposes, and neither the Company nor any Company Subsidiary has elected pursuant to the Code to be treated as a Subchapter&#160;S corporation pursuant to Section 1362(a) of the Code, nor has it
          made any other elections pursuant to the Code (other than elections that relate solely to methods of accounting, depreciation or amortization) that would have, or be <font style="color: #000000;">reasonably expected to result in, </font>individually
          or in the aggregate, <font style="color: #000000;">a Material Adverse Effect.</font></div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">17</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Labor</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160; Employees of the Company and the Company Subsidiaries are not represented by any labor union nor are any collective bargaining agreements otherwise in effect with respect to such
          employees.&#160; No labor organization or group of employees of the Company or any Company Subsidiary has made a pending demand for recognition or certification, and there are no representation or certification proceedings or petitions presently
          pending or threatened to be brought or filed with the National Labor Relations Board or any other labor relations tribunal or authority, nor have there been in the last three years.&#160; There are no strikes, work stoppages, slowdowns, labor
          picketing lockouts, material arbitrations or material grievances, or other material labor disputes pending or, to the Knowledge of the Company, threatened against or involving the Company or any Company Subsidiary, nor have there been any in the
          past year.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, the Company and the Company Subsidiaries are in compliance with all
          federal and state Laws and requirements respecting employment and employment practices, terms and conditions of employment, collective bargaining, disability, immigration, health and safety, wages, hours and benefits, non-discrimination in
          employment, workers&#8217; compensation and the collection and payment of withholding and/or payroll taxes and similar taxes.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160; There is no charge or complaint pending or threatened before any Governmental Entity alleging unlawful discrimination in employment practices, unfair labor practices or other unlawful
          employment practices by the Company or any Company Subsidiary.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160;&#160; To the Knowledge of the Company, since December 31, 2017, (i) no allegations of sexual harassment or misconduct have been made against (A) an officer of the Company or any of the
          Company Subsidiaries, (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000
          and (ii) neither the Company nor any of the Company Subsidiaries has entered into any settlement agreements related to allegations of sexual harassment or misconduct by (A) an officer of the Company or any of the Company Subsidiaries, (B) a
          member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Except as Previously Disclosed, neither the Company nor any of its officers, directors, employees or agents has
          employed any broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Company in connection with this Agreement or
          the transactions contemplated hereby.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(z)&#160;&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Offering of Securities</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the Company nor any Person acting on its behalf has taken any action (including any offering of any securities of the Company under circumstances which would require the
          integration of such offering with the offering of any of the Shares to be issued pursuant to this Agreement under the Securities Act and the rules and regulations of the SEC promulgated thereunder) which would subject the offering, issuance or
          sale of any of the Shares to be issued pursuant to this Agreement to be subject to the registration requirements of the Securities Act.&#160; Neither the Company nor any Person acting on its behalf has engaged or will engage in any form of general
          solicitation or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares pursuant to the transactions contemplated by this Agreement.&#160; Assuming the accuracy of the
          Investor&#8217;s representations and warranties set forth in this Agreement, no registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">18</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160; &#160; &#160;&#160;&#160; The Company is not disqualified from relying on Rule 506 of Regulation D (&#8220;<font style="font-weight: bold;">Rule 506</font>&#8221;) under the Securities Act for any of the reasons stated
          in Rule 506(d) (each such reason, a &#8220;<font style="font-weight: bold;">Disqualification Event</font>&#8221;) in connection with the issuance and sale of the Shares to the Investor.&#160; The Company has furnished the Investor, a reasonable time prior to the
          date hereof, a description in writing of any matters that would have triggered disqualification under Rule 506(d) but which occurred before September 23, 2013, in each case, in compliance with the disclosure requirements of Rule 506(e).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(aa)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Affiliate Transactions</u></font>.&#160; No officer, director, five percent (5%) stockholder or other Affiliate of the Company (or any Company
          Subsidiary), or any individual who, to the Knowledge of the Company, is related by marriage or adoption to or shares the same home as any such Person, or any entity which, to the Knowledge of the Company, is controlled by any such Person
          (collectively, an &#8220;<font style="font-weight: bold;"><u>Insider</u></font>&#8221;), is a party to any contract or transaction with the Company (or any Company Subsidiary) which pertains to the business of the Company (or any Company Subsidiary) or has
          any interest in any property, real or personal or mixed, tangible or intangible, used in or pertaining to the business of the Company or any Company Subsidiary.&#160; The foregoing representation and warranty does not include deposit accounts of an
          Insider at the Company or any Company Subsidiary or loans of $250,000 or less made in the ordinary course of business to Insiders in compliance with Regulation O and other applicable Law.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(bb)&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Private Placement</u></font>.&#160; Assuming the accuracy of the Investor&#8217;s representations and warranties set forth in Section 2.3 of this Agreement,
          no registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.&#160; Assuming the Stockholder Approval is obtained (if required), the issuance and sale of the Shares hereunder does not
          contravene the rules and regulations of the Nasdaq Stock Market.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(cc)&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Listing and Maintenance Requirements</u></font>.&#160; The Company&#8217;s Voting Common Stock is (and at the Closing, the Class A Common Stock will be)
          registered pursuant to Section 12(b) of the Exchange Act, and the Company has taken no action designed to terminate the registration of the Voting Common Stock under the Exchange Act nor has the Company received any notification that the SEC is
          contemplating terminating such registration.&#160; The Company has not, in the 12 months preceding the date hereof, received written notice from the Nasdaq Stock Market to the effect that the Company is not in compliance with the listing or
          maintenance requirements of the Nasdaq Stock Market.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(dd)&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Investment Company</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries is required to be registered as, and is not an Affiliate
          of, and immediately following the Closing will not be required to register as, an &#8220;investment company&#8221; within the meaning of the Investment Company Act of 1940, as amended.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">19</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(ee)&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Acknowledgment Regarding the Investor&#8217;s Purchase of Shares</u></font>.&#160; The Company acknowledges and agrees that the Investor is acting solely in
          the capacity of an arm&#8217;s length purchaser with respect to this Agreement and the transactions contemplated hereby.&#160; The Company further acknowledges that the Investor is not acting as a financial advisor or fiduciary of the Company (or in any
          similar capacity) with respect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions and any advice given by the Investor or any of its representatives or agents in connection with this Agreement, the
          transactions contemplated hereby and the Concurrent Other Transactions is merely incidental to Investor&#8217;s purchase of the Shares.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(ff)&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>No General Solicitation or General Advertising</u></font>.&#160; Neither the Company nor any person acting on its behalf has engaged or will engage in
          any form of general solicitation or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(gg) &#160; &#160;&#160; &#160; <font style="font-weight: bold;"><u>Shell Company Status</u></font>.&#160; The Company is not, and has never been, an issuer identified in Rule 144(i)(1) under the Securities Act.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(hh) &#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Valid Issuance of Shares</u></font><font style="font-weight: bold;">.</font>&#160; The Shares sold and delivered in accordance with the terms hereof
          for the consideration expressed herein will be duly and validly issued, fully paid and nonassessable and free of restrictions on transfer other than restrictions on transfer under applicable state and federal securities laws.&#160; Assuming the
          accuracy of the representations and warranties of the Investor set forth in Section 2.3, the Shares will be issued in compliance with all applicable federal and state securities laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(ii)&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>No Reliance</u></font>.&#160; The Company has not relied on any representation or warranty in connection with the Investment other than those contained
          in this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655909"></a><a name="z_Toc55380684"></a><a name="z_Toc64035353"></a><font style="font-weight: bold;">2.3</font> &#160; &#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations and
              Warranties of the Investor</u></font>.&#160;&#160; Except as Previously Disclosed, the Investor hereby represents and warrants to the Company, as of the date hereof and as of the Closing Date (except for the representations and warranties that are as
          of a specific date which are made as of that date) that: </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; The Investor is duly organized, validly existing and in good standing under the laws of the jurisdiction
          of its organization, is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of property or the conduct of its business requires it to be so qualified and where failure to be so qualified would
          be reasonably expected to materially and adversely impair or delay its ability to perform its obligations under this Agreement or to consummate the transactions contemplated hereby.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160; The Investor has the necessary power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The execution, delivery and performance of this
          Agreement and the consummation of the transactions contemplated hereby have been duly authorized by its board of directors, general partner or managing members, investment committee, investment adviser or other authorized person, as the case may
          be, and no further approval or authorization by any of its stockholders, partners or other equity owners, as the case may be, is required.&#160; This Agreement has been duly and validly executed and delivered by the Investor and, assuming due
          authorization, execution and delivery by the Company is the valid and binding obligation of the Investor enforceable against the Investor in accordance with its terms (except as enforcement may be limited by applicable bankruptcy, insolvency,
          reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">20</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution, delivery and performance by the Investor of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Investor with
          any of the provisions hereof, will (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would constitute a default) under, or result in the
          termination of, or accelerate the performance required by, or result in a right of termination or acceleration of, or result in the creation of any Liens upon any of the properties or assets of the Investor under any of the terms, conditions or
          provisions of (1) its articles of incorporation or bylaws, its certificate of limited partnership or partnership agreement or its similar governing documents or (2) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or
          other instrument or obligation to which the Investor is a party or by which the Investor may be bound, or to which the Investor or any of the properties or assets of the Investor may be subject, or (B) violate any Law applicable to the Investor
          or any of its properties or assets, except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to materially adversely affect the Investor&#8217;s ability to perform its obligations
          under this Agreement or consummate the transactions contemplated hereby on a timely basis.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
          delivery of this Agreement or for the purchase by the Investor of the Shares pursuant to this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Purchase for Investment&#894; Accredited Investor Status; Pre-Existing Relationship</u></font>.&#160; The Investor acknowledges that the Shares to be
          purchased by the Investor pursuant to this Agreement have not been registered under the Securities Act or under any state securities laws and may not be resold or transferred by the Investor without such registration or appropriate reliance on
          any available exemption from such requirements.&#160; The Investor (i) is acquiring the Shares pursuant to an exemption from the registration requirements of the Securities Act and other applicable securities laws solely for investment with no present
          intention to distribute any of the Shares to any Person, (ii) will not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other applicable
          securities laws, (iii) has such knowledge and experience in financial and business matters and in investments of this type that it is capable of evaluating the merits and risks of its investment in the Shares and of making an informed investment
          decision and (iv) is an &#8220;accredited investor&#8221; (as that term is defined by Rule 501 under the Securities Act), (vi) is aware that the Company has entered into the Merger Agreement pursuant to which it is required to file with the SEC a
          Registration Statement on Form S-4 (the &#8220;<font style="font-weight: bold;"><u>Registration Statement</u></font>&#8221;), and (vi) began discussions regarding the potential for the Investment by this Agreement with representatives of the Company before
          the Registration Statement was filed with the SEC and Investor&#8217;s purchase of the Shares was not solicited by the Registration Statement or any other filing made by the Company with the SEC.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">21</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160; &#160; &#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Neither the Investor, nor its Affiliates nor any of their respective officers or directors, has employed any
          broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Investor in connection with this Agreement or the
          transactions contemplated hereby.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Access to Information</u></font>.&#160; The Investor acknowledges that it has been afforded (i) the opportunity to ask such questions as it has deemed
          necessary of, and to receive answers from, representatives of the Company concerning the terms and conditions of the offering of the Shares and the merits and risks of investing in the Shares; (ii) access to information about the Company and the
          Company Subsidiaries and their respective financial condition, results of operations, business, properties, management and prospects sufficient to enable it to evaluate its investment; (iii) the opportunity to obtain such additional information
          that the Company possesses or can acquire without unreasonable effort or expense that is necessary to make an informed investment decision with respect to the Investment; and (iv) the opportunity to ask questions of management of the Company.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>No Reliance</u></font>.&#160; The Investor has not relied on any representation or warranty made by any Person by or on behalf of the Company,
          including, without limitation, the Placement Agents, in connection with the Investment other than those contained in this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160; &#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Placement Agents</u></font>.&#160; The Investor acknowledges that the Placement Agents have not performed any due diligence review on behalf of the
          Investor.&#160; Furthermore, the Investor will purchase the Shares directly from the Company and not from the Placement Agents and understands that neither the Placement Agents nor any other broker or dealer has any obligation to make a market in the
          Common Stock.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Accuracy of Representations</u></font>.&#160; The Investor understands that each of the Placement Agents and the Company will rely upon the truth and
          accuracy of the foregoing representations, acknowledgements and agreements in connection with the transactions contemplated by this Agreement and agrees that if any of the representations or acknowledgements made by it are no longer accurate as
          of the Closing Date, or if any of the agreements made by it are breached on or prior to the Closing Date, it shall promptly notify the Placement Agents and the Company.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 3.<br>
          <br>
          <a name="z_Toc53655910"></a><a name="z_Toc55380685"></a><a name="z_Toc64035354"></a>COVENANTS</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655911"></a><a name="z_Toc55380686"></a><a name="z_Toc64035355"></a><font style="font-weight: bold;">3.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Conduct of Business
              Prior to Closing</u></font>.&#160; Except as otherwise expressly required or contemplated by this Agreement or applicable Law, or with the prior written consent of the Investor, between the date of this Agreement and the Closing, the Company
          shall, and the Company shall cause each Company Subsidiary to: </div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">22</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160; &#160; &#160; &#160; &#160; use commercially reasonable efforts to conduct its business only in the ordinary course of business consistent with past practice; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160; &#160; &#160; &#160;&#160; use commercially reasonable efforts to (i) preserve the present business operations, organization (including officers and employees) and goodwill of the Company and any Company
          Subsidiary and (ii) preserve business relationships with customers, suppliers, consultants and others having business dealings with the Company; provided, however, that nothing in this clause (b) shall place any limit on the ability of the Board
          of Directors to act in accordance with, or require any actions that the Board of Directors may, in good faith, determine to be inconsistent with, its duties or the Company&#8217;s obligations under applicable Law or imposed by any Governmental Entity.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc55380687"></a><a name="z_Toc64035356"></a><a name="z_Hlk54711438"></a><font style="font-weight: bold;">3.2</font>&#160;&#160; &#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Use of Proceeds</u></font>.&#160;

          <a name="z_Hlk54713751"></a>The proceeds received by the Company from the sale of the Shares contemplated hereunder (net of any applicable costs and expenses) will be used in a manner consistent in all material respects with the capital
          deployment plan provided by the Company to the Investor prior to the execution of this Agreement; provided that the Company shall not use such proceeds to repurchase or redeem any Capital Stock held by other existing shareholders of the Company
          or any Company Subsidiary. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc55380688"></a><a name="z_Toc64035357"></a><font style="font-weight: bold;">3.3</font>&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Regulatory Filings</u></font>.&#160; The Company shall
          make all filings pursuant to any applicable state securities laws and Regulation D of the Securities Act that are required to be made in connection with the Closing. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655912"></a><a name="z_Toc55380689"></a><a name="z_Toc64035358"></a><font style="font-weight: bold;">3.4</font>&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Confidentiality</u></font>.&#160;



          The Investor acknowledges that the information being provided to it in connection with the transactions contemplated hereby includes confidential information that has not been publicly disclosed and agrees to maintain the confidentiality of the
          information with the same degree of care that it uses to protect its own confidential information. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655913"></a><a name="z_Toc55380690"></a><a name="z_Toc64035359"></a><font style="font-weight: bold;">3.5</font>&#160; &#160; &#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Publicity</u></font>.&#160;
          The Company shall not publicly disclose the financial or other terms of the transactions contemplated hereby or the name of any Investor or any Affiliate or investment adviser of any Investor, or include the name of any Investor or any Affiliate
          or investment adviser of any Investor in any press release or filing with the SEC or the Nasdaq Stock Market and shall not use any names, trademarks, service marks or trade names of the Investor or its Affiliates in any form of advertising and
          publicity or public statements, without the prior written consent of such Investor, except (i) as required by federal securities law in connection with the filing of final transaction documents with the SEC or (ii) to the extent such disclosure
          is required by applicable law, at the request of the staff of the SEC or at the request of the Nasdaq Stock Market regulations, in which case the Company shall provide each such Investor with prior written notice of such disclosure and the form
          of such disclosure shall be subject to the approval of such Investor, such approval not to be unreasonably withheld or delayed. </div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">23</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">3.6</font>&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Commercially Reasonable Efforts</u></font>.&#160; Upon the terms and subject to the conditions herein provided,
          except as otherwise provided in this Agreement, each of the Parties hereto agrees to use its commercially reasonable efforts to take or cause to be taken all action, to do or cause to be done and to assist and cooperate with the other Party in
          doing all things necessary, proper or advisable under applicable Laws to consummate and make effective the transactions contemplated hereby, including but not limited to: (a) the satisfaction of the conditions precedent to the obligations of the
          Parties; (b) the obtaining of applicable Governmental Consents, and consents, waivers and approvals of any other third parties; (c) defending of any claim, action, suit, investigation or proceeding, whether judicial or administrative, challenging
          this Agreement or the performance of the obligations hereunder; and (d) the execution and delivery of such instruments, and the taking of such other actions as the other Party may reasonably request in order to carry out the intent of this
          Agreement.&#160; Notwithstanding the foregoing, under no circumstances will the Investor be required to disclose to the Company, the Company Subsidiaries or any third party any information the disclosure of which is prohibited by Law, nor shall it be
          required to agree to any restrictions, conditions or commitments imposed or otherwise required by any Government Entity that are determined by the Investor in its sole discretion to be unduly burdensome, other than customary passivity
          commitments, in order to consummate and make effective the transactions contemplated hereby. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655915"></a><a name="z_Toc55380692"></a><a name="z_Toc64035361"></a><font style="font-weight: bold;">3.7</font>&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Legend</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160; &#160; &#160;&#160; The Investor agrees that all certificates or other instruments representing the Shares subject to this Agreement shall bear legends substantially to the following effect, until such
          time as they are not required under Section 3.7(b)</div>
        <div>&#160;</div>
        <div style="text-align: justify; margin-right: 36pt; margin-left: 36pt;">&#8220;THE SHARES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR SECURITIES LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED,
          SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO IS IN EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR SUCH LAWS.&#8221;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref54712182"></a>(b)&#160;&#160; &#160; &#160;&#160; &#160; Upon request of the Investor, the Company shall promptly cause such legends to be removed from any certificate for any Shares to be so transferred if such
          Shares are being transferred pursuant to an exemption from the registration securities requirements of the Securities Act and applicable state Laws, subject to receipt by the Company of an opinion of counsel for the Investor reasonably
          satisfactory to the Company to the effect that such legend is no longer required under the Securities Act and applicable state Laws.&#160; The Investor acknowledges that the sale of the Shares provided for herein has not been registered under the
          Securities Act or under any state securities Laws and agrees that it shall not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other
          applicable securities Laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655916"></a><a name="z_Toc55380693"></a><a name="z_Toc64035362"></a><font style="font-weight: bold;">3.8</font>&#160;&#160; &#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Exchange Listing</u></font>.&#160;

          The Company shall use its reasonable best efforts to cause the Shares to be approved for listing on the Nasdaq Stock Market as promptly as possible. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655917"></a><a name="z_Toc55380694"></a><a name="z_Toc64035363"></a><font style="font-weight: bold;">3.9</font>&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Authorized Shares</u></font>.&#160;

          The Company will at all times reserve, free of any preemptive or similar rights of stockholders of the Company, a number of unissued shares of Class A Common Stock, sufficient to convert automatically, in accordance with the terms of the
          certificate of incorporation of the Company, all of the shares of Class C Common Stock then outstanding. </div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">24</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655918"></a><a name="z_Toc55380695"></a><a name="z_Toc64035364"></a><font style="font-weight: bold;">3.10</font> &#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Rule 144 Reporting</u></font>.&#160;

          With a view to making available to the Investor the benefits of certain rules and regulations of the SEC which may permit the sale of the Shares by the Investor without registration under the Securities Act upon compliance with the initial
          holding period and other applicable requirements of Rule 144 under the Securities Act, the Company agrees to use its reasonable best efforts to: </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; make and keep adequate current public information with respect to the Company available, as those terms are understood and defined in Rule 144(c)(1) or any similar or analogous rule
          promulgated under the Securities Act, at all times after the effective date of this Agreement;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; so long as the Investor owns any of the Shares, furnish to the Investor forthwith upon request: (A) a written statement by the Company as to its compliance with the reporting
          requirements of Rule 144 under the Securities Act, and of the Exchange Act; (B) a copy of the most recent annual or quarterly report of the Company; and (C) such other reports and documents as the Investor may reasonably request in availing
          itself of any rule or regulation of the SEC allowing it to sell any of the Shares without registration; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; to take such further action as the Investor may reasonably request, all to the extent required from time to time to enable the Investor to sell Shares without registration under the
          Securities Act.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655919"></a><a name="z_Toc55380696"></a><a name="z_Toc64035365"></a><font style="font-weight: bold;">3.11</font>&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Exchange Rights;
              Co-Redemption Rights</u></font>. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref64027965"></a>(a)&#160; &#160; &#160;&#160; &#160; The Investor shall have the right from time to time to exchange any of the shares of Class A Common Stock acquired by the Investor hereunder for Class C
          Common Stock in order to reduce its ownership of voting common stock to less than 4.50% of the then outstanding shares of Class A Common Stock.&#160; If the Investor transfers shares of Class C Common Stock held by the Investor to a Person other than
          the Investor or an Affiliate of the Investor in a transaction that complies with the applicable terms and conditions set forth in the Company&#8217;s certificate of incorporation, including the restrictions on transfer contained therein that are
          intended to cause such shares to qualify as non-voting shares under the applicable requirements and policies of the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the Federal Deposit Insurance
          Corporation or any other regulatory body having jurisdiction over the Company or the Bank, then such shares shall immediately and without any further action on the part of any Person, automatically convert into shares of Class A Common Stock.&#160;
          Any shares of Class C Common Stock received by the Investor or any Affiliate of the Investor pursuant to this Section 3.11(a) shall be subject to the restrictions set forth in the provisions of the Company&#8217;s certificate of incorporation relating
          to the Class C Common Stock.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">25</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160; &#160; &#160;&#160; &#160;&#160; Should the Company at any time and for any reason propose to retire or repurchase shares of its outstanding Class A Common Stock or Class C Common Stock, the Company shall give the
          Investor thirty (30) days&#8217; prior written notice of such proposed action.&#160; Such notice shall specify the number of outstanding shares of Class A Common Stock or Class C Common Stock, as applicable, prior to such retirement or repurchase, and the
          number of outstanding shares of Class A Common Stock or Class C Common Stock, as applicable, that would be outstanding after giving effect to such retirement or repurchase.&#160; Upon receipt of such notice, the Investor shall have the right to sell
          to the Company, at the same price per share as that at which the Company proposes to retire or repurchase its other outstanding shares of Class A Common Stock or Class C Common Stock, the minimum number of shares of Class A Common Stock and Class
          C Common Stock, as applicable, that would result in the Investor and its Affiliates owning less than 4.50% of the then outstanding shares of Class A Common Stock and less than 10% of the total stockholders&#8217; equity of the Company, as applicable,
          after giving effect to such retirement or repurchase and such sale by the Investor to the Company; provided, that (i) the Company shall not be required hereby to purchase from the Investor more shares of Class A Common Stock and Class C Common
          Stock, as applicable, than were indicated in its notice of desired purchase sent to the Investor, (ii) the Company may decide, after having given such a notice, not to repurchase or retire any shares of Class A Common Stock or Class C Common
          Stock, as applicable, and (iii) the Investor&#8217;s right to sell shares of Class A Common Stock and Class C Common Stock, as applicable, pursuant hereto shall be subject to pro rata reduction to the extent that CJA Private Equity Financial
          Restructuring Master Fund I L.P. and its affiliates, and National Community Investment Fund and its Affiliates, exercise the similar sale rights granted to them by the Company pursuant to agreements that are in effect as of the date hereof, based
          on the respective numbers of shares of Class A Common Stock or Class C Common Stock, as applicable, requested to be sold by each.&#160; Within ten (10) days after the receipt of such notice by the Investor, the Investor shall notify the Company in
          writing of its intention to exercise its rights to sell shares of Class A Common Stock and Class C Common Stock, as applicable, to the Company pursuant to this Section 3.11(b), which shall include the number of shares of Class A Common Stock and
          Class C Common Stock to be sold by the Investor to the Company in accordance with this Section 3.11, the record and beneficial owner of such shares and the proposed closing date, which date, unless otherwise agreed by the Company, shall be no
          later than the business day preceding the date of the retirement or repurchase.&#160; The rights of the Investor provided in this Section 3.11(b) shall remain in effect for so long as the Investor and its Affiliates have beneficial ownership of any
          shares of the Company&#8217;s outstanding Class A Common Stock or Class C Common Stock.&#160; The provisions of this Section 3.11 shall apply on an as-converted basis to any Class C Common Stock theretofore issued in exchange for Class A Common Stock at the
          request of the Investor.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 4.<br>
          <br>
          <a name="z_Toc53655920"></a><a name="z_Toc55380697"></a><a name="z_Toc64035366"></a>TERMINATION</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655921"></a><a name="z_Toc55380698"></a><a name="z_Toc64035367"></a><font style="font-weight: bold;">4.1</font>&#160;&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Termination</u></font>.&#160;



          This Agreement may be terminated prior to the Closing: </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160; &#160; &#160;&#160; &#160;&#160; by mutual written agreement of the Company and the Investor;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">26</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160; &#160; &#160;&#160; by either Party, upon written notice to the other Party in the event that the Closing does not occur on or before September 1, 2021; <u>provided</u>, <u>however</u>, that the right
          to terminate this Agreement pursuant to this Section 4.1(b) shall not be available to any Party whose failure to fulfill any obligation under this Agreement shall have been the cause of, or shall have resulted in, the failure of the Closing to
          occur on or prior to such date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160; &#160; &#160; &#160; by either Party, upon written notice to the other Party, (i) in the event that Stockholder Approval is required under applicable Law or the rules and regulations of the Nasdaq Stock
          Market, but has not been obtained on or prior to the closing date of the Merger or (ii) the Authorized Shares Increase Approval has not been obtained on or prior to the closing date of the Merger;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160; &#160; &#160; &#160; &#160; by the Investor, upon written notice to the Company, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Company in this Agreement, or
          any such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(ii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date
          that would otherwise be the Closing Date in the absence of such breach or condition; provided that this Section 4.1(d) shall only apply if the Investor is not in material breach of any of the terms of this Agreement;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160; &#160; &#160; &#160; by the Company, upon written notice to the Investor, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Investor in this Agreement, or
          any such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(iii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the
          date that would otherwise be the Closing Date in absence of such breach or condition; provided that this Section 4.1(e) shall only apply if the Company is not in material breach of any of the terms of this Agreement; or</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160; &#160; &#160; &#160; by any Party, upon written notice to the other Party, in the event that any Governmental Entity shall have issued any order, decree or injunction or taken any other action
          restraining, enjoining or prohibiting any of the transactions contemplated by this Agreement, and such order, decree, injunction or other action shall have become final and non-appealable.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655922"></a><a name="z_Toc55380699"></a><a name="z_Toc64035368"></a><font style="font-weight: bold;">4.2</font>&#160;&#160; &#160;&#160; &#160; <font style="font-weight: bold;"><u>Effects of Termination</u></font>.&#160;

          In the event of any termination of this Agreement as provided in Section 4.1, this Agreement (other than Section 3.4, this Article 4 and Article 6 of this Agreement, which shall remain in full force and effect) shall forthwith become wholly void
          and of no further force and effect; provided, that nothing herein shall relieve any Party from liability for fraud or willful breach of this Agreement. </div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 5.<br>
          <br>
          <a name="z_Toc53655923"></a><a name="z_Toc55380700"></a><a name="z_Toc64035369"></a>INDEMNITY</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655924"></a><a name="z_Toc55380701"></a><a name="z_Toc64035370"></a><font style="font-weight: bold;">5.1</font>&#160;&#160;&#160; &#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Indemnification by
              the Company</u></font>. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160; &#160; &#160;&#160;&#160; After the Closing, and subject to Sections 5.1(b), 5.3 and 5.4, the Company shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Investor and its
          Affiliates, and their respective successors and assigns, officers, directors, partners, members and employees, as applicable, (the &#8220;<font style="font-weight: bold;"><u>Investor Indemnified Parties</u></font>&#8221;) against and from, and reimburse any
          of the Investor Indemnified Parties for, all Losses that any of the Investor Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach of any representation or
          warranty made by the Company in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by the Company to perform any of its covenants or agreements contained in this Agreement.&#160; Notwithstanding anything herein to
          the contrary, the obligations of the Company under this Section 5.1(a) shall not be applicable to or inure to the benefit of any transferee of the Common Stock sold pursuant to this Agreement who is not an Affiliate of the Investor.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">27</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b) &#160; &#160;&#160; &#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless any of the Investor Indemnified Parties against, or
          reimburse any of the Investor Indemnified Parties for, any Losses pursuant to Section 5.1(a) (other than Losses arising out of the inaccuracy or breach of any Company Specified Representations) until the aggregate amount of the Investor
          Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a) exceeds $100,000 (the &#8220;<font style="font-weight: bold;"><u>Threshold Amount</u></font>&#8221;),
          upon the occurrence of which the Company shall be obligated for all of the Investor Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a).&#160;
          Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless the Investor Indemnified Parties against, or reimburse the Investor Indemnified Parties for, any Losses pursuant to
          Section 5.1(a) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160; &#160; &#160; &#160;&#160; For purposes of Section 5.1(a), in determining whether there has been a breach of a representation or warranty, the Parties hereto shall ignore any &#8220;materiality,&#8221; &#8220;Material Adverse
          Effect&#8221; or similar qualifications.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655925"></a><a name="z_Toc55380702"></a><a name="z_Toc64035371"></a><font style="font-weight: bold;">5.2</font>&#160;&#160; &#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Indemnification by
              the Investor</u></font>. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160; &#160; &#160; &#160; After the Closing, and subject to Sections 5.2(b), 5.3 and 5.4, the Investor shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Company and its
          respective Affiliates and their respective successors and assigns, officers, directors, partners, members, employees, representatives and agents (collectively, the &#8220;<font style="font-weight: bold;"><u>Company Indemnified Parties</u></font>&#8221;)
          against and from, and reimburse any of the Company Indemnified Parties for, all Losses that the Company Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach
          of any representation or warranty made by the Investor in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by such Investor to perform any of its covenants or agreements contained in this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160; &#160; &#160; &#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless any of the Company Indemnified Parties against, or
          reimburse any of the Company Indemnified Parties for any Losses pursuant to Section 5.2(a)(1) until the aggregate amount of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally determined to be otherwise
          entitled to indemnification under Section 5.2(a) exceeds the Threshold Amount, upon the occurrence of which the Investor shall be obligated for all of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally
          determined to be otherwise entitled to indemnification under Section 5.2(a)(1).&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless the Company Indemnified Parties
          against, or reimburse the Company Indemnified Parties for, any Losses pursuant to Section 5.2(a)(1) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1 hereof.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">28</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(c) &#160; &#160;&#160; &#160;&#160;&#160; For purposes of Section 5.2(a), in determining whether there has been a breach of a representation or warranty, the Parties shall ignore any &#8220;materiality&#8221; or similar qualifications.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655926"></a><a name="z_Toc55380703"></a><a name="z_Toc64035372"></a><font style="font-weight: bold;">5.3</font>&#160; &#160;&#160; &#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Notification of
              Claims</u></font>. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160; &#160; &#160; &#160; Any Person that may be entitled to be indemnified under this Article 5 (the &#8220;<font style="font-weight: bold;"><u>Indemnified Party</u></font>&#8221;) shall promptly notify the party or
          parties liable for such indemnification (the &#8220;<font style="font-weight: bold;"><u>Indemnifying Party</u></font>&#8221;) in writing of any claim in respect of which indemnity may be sought hereunder, including any pending or threatened claim or demand
          by a third party that the Indemnified Party has determined has given or could reasonably give rise to a right of indemnification under this Agreement (including a pending or threatened claim or demand asserted by a third party against the
          Indemnified Party) (each, a &#8220;<font style="font-weight: bold;"><u>Third Party Claim</u></font>&#8221;), describing in reasonable detail the facts and circumstances with respect to the subject matter of such claim or demand; provided, however, that the
          failure to provide such notice shall not release the Indemnifying Party from any of its obligations under this Agreement except to the extent that the Indemnifying Party is materially prejudiced by such failure.&#160; The Parties agree that notices
          for claims in respect of a breach of a representation, warranty, covenant or agreement must be delivered prior to the expiration of any applicable survival period specified in Section 6.1 for such representation, warranty, covenant or agreement;
          provided, that if, prior to such applicable date, a Party hereto shall have notified the other Party hereto in accordance with the requirements of this Section 5.3(a) of a claim for indemnification under this Agreement (whether or not formal
          legal action shall have been commenced based upon such claim), such claim shall continue to be subject to indemnification in accordance with this Agreement notwithstanding the passing of such applicable date.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">29</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b) &#160; &#160; &#160; &#160;&#160; Upon receipt of a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) in respect of a Third Party Claim, the Indemnifying Party may, by notice to the
          Indemnified Party delivered within twenty (20) Business Days of the receipt of notice of such Third Party Claim, assume the defense and control of any Third Party Claim, with its own counsel reasonably acceptable to the Indemnified Party and at
          its own expense.&#160; The Indemnified Party shall have the right to employ counsel on its own behalf for, and otherwise participate in the defense of, any such Third Party Claim, but the fees and expenses of its counsel will be at its own expense
          unless (A) the employment of counsel by the Indemnified Party at the Indemnifying Party&#8217;s expense has been authorized in writing by the Indemnifying Party, (B) the Indemnified Party reasonably believes there may be a conflict of interest between
          the Indemnified Party and the Indemnifying Party in the conduct of the defense of such Third Party Claim, (C) the Indemnified Party reasonably believes there are legal defenses available to it that are different from, additional to or
          inconsistent with those available to the Indemnifying Party, or (D) the Indemnifying Party has not in fact employed counsel to assume the defense of such Third Party Claim within a reasonable time after receipt of notice of the commencement of
          such Third Party Claim, in each of which cases the fees and expenses of such Indemnified Party&#8217;s counsel shall be at the expense of the Indemnifying Party; provided, however, that in the event that the Company is required to assume the fees and
          expenses of such Investor Indemnified Party&#8217;s counsel in accordance with the foregoing and such Investor Indemnified Party is similarly situated with any other &#8220;Investor Indemnified Party&#8221; under any of the other stock purchase agreements with
          respect to any Third Party Claim, and does not have any conflict of interest with such Person in the conduct of the defense of such Third Party Claim or have legal defenses available to it that are different from, additional to or inconsistent
          with those available to such Person, such Investor Indemnified Party shall be required to employ the same counsel as such Person and the Company shall be responsible for the fees and expenses of only one such counsel for such Investor Indemnified
          Party and such other Person or Persons (assuming any of clauses (A) through (D) above is satisfied).&#160; The Indemnified Party may take any actions reasonably necessary to defend such Third Party Claim prior to the time that it receives a notice
          from the Indemnifying Party as contemplated by the immediately preceding sentence.&#160; The Indemnified Party shall, and shall cause each of its Affiliates and representatives to, use reasonable best efforts to cooperate with the Indemnifying Party
          in the defense of any Third Party Claim.&#160; The Indemnifying Party shall not, without the prior written consent of the Indemnified Party (which shall not be unreasonably withheld or delayed), consent to a settlement, compromise or discharge of, or
          the entry of any judgment arising from, any Third Party Claim, unless such settlement, compromise, discharge or entry of any judgment does not involve any statement, finding or admission of any fault, culpability, failure to act, violation of Law
          or admission of any wrongdoing by or on behalf of the Indemnified Party, and the Indemnifying Party shall (i) pay or cause to be paid all amounts arising out of such settlement or judgment concurrently with the effectiveness of such settlement or
          judgment (unless otherwise provided in such judgment), (ii) not encumber any of the assets of any Indemnified Party or agree to any restriction or condition that would apply to or materially adversely affect any Indemnified Party or the conduct
          of any Indemnified Party&#8217;s business and (iii) obtain, as a condition of any settlement, compromise, discharge, entry of judgment (if applicable), or other resolution, a complete and unconditional release of each Indemnified Party in form and
          substance reasonably satisfactory to such Indemnified Party from any and all liabilities in respect of such Third Party Claim.&#160; An Indemnified Party shall not settle, compromise or consent to the entry of any judgment with respect to any claim or
          demand for which it is seeking indemnification from the Indemnifying Party or admit to any liability with respect to such claim or demand without the prior written consent of the Indemnifying Party (which consent shall not be unreasonably
          withheld or delayed); provided, that such consent shall not be required if the Indemnifying Party has not fulfilled any material obligations under this Section 5.3(b).</div>
        <div>&#160;</div>
        <div>
          <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160; &#160; &#160; &#160; In the event any Indemnifying Party receives a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) that does not involve a Third Party Claim, the
            Indemnifying Party shall notify the Indemnified Party within twenty (20) Business Days following its receipt of such notice whether the Indemnifying Party disputes its liability to the Indemnified Party under this Agreement.&#160; The Indemnified
            Party shall reasonably cooperate with and assist the Indemnifying Party in determining the validity of any such claim for indemnity by the Indemnified Party.</div>
        </div>
        <div> <br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">30</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655927"></a><a name="z_Toc55380704"></a><a name="z_Toc64035373"></a><font style="font-weight: bold;">5.4</font>&#160;&#160; &#160; &#160; &#160; <font style="font-weight: bold;"><u>Indemnification
              Payment</u></font>.&#160; In the event a claim or any Action for indemnification hereunder has been finally determined, the amount of such final determination shall be paid by the Indemnifying Party to the Indemnified Party on demand in
          immediately available funds.&#160; A claim or an Action, and the liability for and amount of damages therefor, shall be deemed to be &#8220;<u>finally determined</u>&#8221; for purposes of this Agreement when the Parties have so determined by mutual agreement or,
          if disputed, when a final non-appealable judicial order has been entered into with respect to such claim or Action. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655928"></a><a name="z_Toc55380705"></a><a name="z_Toc64035374"></a><font style="font-weight: bold;">5.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exclusive Remedies</u></font>.&#160;

          Subject to Section 6.14, each Party acknowledges and agrees that following the Closing, the indemnification provisions hereunder shall be the sole and exclusive remedies of the Parties for any breach of the representations, warranties or
          covenants contained in this Agreement.&#160; No investigation of the Company by the Investor, or of the Investor by the Company, whether prior to or after the date of this Agreement, shall limit any Indemnified Party&#8217;s exercise of any right hereunder
          or be deemed to be a waiver of any such right.&#160; The Parties agree that any indemnification payment made pursuant to this Agreement shall be treated as an adjustment to the Purchase Price for Tax purposes, unless otherwise required by Law. </div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 6.<br>
          <br>
          <a name="z_Toc53655929"></a><a name="z_Toc55380706"></a><a name="z_Toc64035375"></a>MISCELLANEOUS</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655930"></a><a name="z_Toc55380707"></a><a name="z_Toc64035376"></a><font style="font-weight: bold;">6.1</font>&#160; &#160;&#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Survival</u></font>.&#160;
          The representations and warranties of the Parties contained in this Agreement shall survive in full force and effect until the date that is fifteen (15) months after the Closing Date (or until final resolution of any claim or action arising from
          the breach of any such representation and warranty, if notice of such breach was provided prior to the end of such period), at which time they shall terminate and no claims shall be made for indemnification under Section 5.1 or Section 5.2, as
          applicable, for breaches of representations or warranties thereafter, except the Company Specified Representations (other than the representations and warranties made in Section 2.2(v), which shall survive until the expiration of the applicable
          statute of limitations) and the Investor Specified Representations shall survive the Closing indefinitely.&#160; The covenants and agreements set forth in this Agreement shall survive until the expiration of any applicable statute of limitations or
          until performed or no longer operative in accordance with their respective terms.&#160; Notwithstanding the foregoing, the Company Specified Representations shall survive for the period of the applicable statute of limitations. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655931"></a><a name="z_Toc55380708"></a><a name="z_Toc64035377"></a><font style="font-weight: bold;">6.2</font>&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Other Definitions</u></font>.&#160;

          Wherever required by the context of this Agreement, the singular shall include the plural and vice versa, and the masculine gender shall include the feminine and neuter genders and vice versa, and references to any agreement, document or
          instrument shall be deemed to refer to such agreement, document or instrument as amended, supplemented or modified from time to time.&#160; In addition, the following terms shall have the meanings assigned to them below: </div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">31</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160; &#160; &#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Affiliate</u></font>&#8221; means, with respect to any Person, any Person directly or indirectly controlling, controlled by or under common
          control with, such other Person provided that no security holder of the Company shall be deemed to be an Affiliate of any other security holder or of the Company or any of the Company Subsidiaries solely by reason of any investment in the Company
          and, for purposes of this definition, &#8220;<font style="font-weight: bold;"><u>control</u></font>&#8221; (including, with correlative meanings, the terms &#8220;<font style="font-weight: bold;"><u>controlling</u></font>&#8221;, &#8220;<font style="font-weight: bold;"><u>controlled

              by</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>under common control with</u></font>&#8221;) when used with respect to any Person, means the possession, directly or indirectly, of the power to cause the direction of management or policies
          of such Person, whether through the ownership of voting securities, by contract or otherwise;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160; &#160; &#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Agency</u></font>&#8221; means the Federal Housing Administration, the Federal Home Loan Mortgage Corporation, the Farmers Home Administration
          (now known as Rural Housing and Community Development Services), the Federal National Mortgage Association, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of Agriculture or any other federal or
          state agency with authority to (i) determine any investment, origination, lending or servicing requirements with regard to mortgage loans originated, purchased or serviced by the Company or (ii) originate, purchase, or service mortgage loans, or
          otherwise promote mortgage lending, including state and local housing finance authorities;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160; &#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Board of Directors</u></font>&#8221; means the Board of Directors of the Company;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160; &#160; &#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Business Day</u></font>&#8221; means any day except Saturday, Sunday and any day which shall be a legal holiday or a day on which banking
          institutions in the State of New York or in the State of California generally are authorized or required by Law or other governmental actions to close;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160; &#160; &#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Capital Stock</u></font>&#8221; means the capital stock or other applicable type of equity interest in a Person;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Code</u></font>&#8221; means the Internal Revenue Code of 1986, as amended;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(g)&#160; &#160; &#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Company Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.2(a), <u>Section 2.2(b)</u>,
          Section 2.2(c), Section 2.2(d), Section 2.2(x), Section 2.2(z) and Section 2.2(hh);</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(h) &#160; &#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Disclosure Schedule</u></font>&#8221; shall mean a schedule delivered, on or prior to the date of this Agreement, by (i) the Investor to the
          Company and (ii) the Company to the Investor setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express disclosure requirement contained in a provision hereof or as an exception
          to one or more representations or warranties contained in Section 2.2 with respect to the Company, or in Section 2.3 with respect to the Investor, or to one or more covenants contained in Article 3;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(i) &#160; &#160;&#160; &#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>GAAP</u></font>&#8221; means United States generally accepted accounting principles and practices as in effect from time to time;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(j)&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Consent</u></font>&#8221; means any notice to, registration, qualification, designation, declaration or filing with, exemption
          or review by, or authorization, order, consent or approval of, any Governmental Entity, or the expiration or termination of any statutory waiting periods;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">32</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;">(k)&#160; &#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Entity</u></font>&#8221; means any court, administrative agency or commission or other governmental authority or instrumentality,
          whether federal, state, local or foreign, and any applicable industry self-regulatory organization or securities exchange;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160; &#160; &#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Insurer</u></font>&#8221; means a Person who insures or guarantees for the benefit of the mortgagee all or any portion of the risk of loss
          upon borrower default on any of the mortgage loans originated, purchased or serviced by the Bank, including the Federal Housing Administration, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of
          Agriculture and any private mortgage insurer, and providers of hazard, title or other insurance with respect to such mortgage loans or the related collateral;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(m)&#160; &#160; &#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Investor Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.3(b)(i), Section 2.3(d) and
          Section 2.3(f);</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160; &#160; &#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Knowledge</u></font>&#8221; of the Company and words of similar import mean the knowledge of any directors or executive officers of the Company
          listed on the Disclosure Schedule hereto;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(o)&#160; &#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Loan Investor</u></font>&#8221; means any Person (including an Agency) having a beneficial interest in any mortgage loan originated, purchased or
          serviced by the Bank or a security backed by or representing an interest in any such mortgage loan;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160; &#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Losses</u></font>&#8221; means any and all losses, damages, reasonable costs, reasonable expenses (including reasonable attorneys&#8217; fees and
          disbursements), liabilities, settlement payments, awards, judgments, fines, obligations, claims, and deficiencies of any kind, excluding special, consequential, exemplary and punitive damages;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(q)&#160; &#160; &#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Person</u></font>&#8221; means any individual, firm, corporation, partnership, trust, incorporated or unincorporated association, joint
          venture, joint stock company, limited liability company, Governmental Entity or other entity of any kind, and shall include any successor (by merger or otherwise) of such entity;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160; &#160; &#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Subsidiary</u></font>&#8221; means, with respect to any Person, any corporation, partnership, joint venture, limited liability company or
          other entity (x) of which such Person or a Subsidiary of such Person is a general partner or (y) of which a majority of the voting securities or other voting interests, or a majority of the securities or other interests of which having by their
          terms ordinary voting power to elect a majority of the board of directors or persons performing similar functions with respect to such entity, is directly or indirectly owned by such Person and/or one or more Subsidiaries thereof;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(s)&#160; &#160; &#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Tax</u></font>&#8221; or &#8220;<font style="font-weight: bold;"><u>Taxes</u></font>&#8221; means all United States federal, state, local or foreign
          income, profits, estimated, gross receipts, windfall profits, severance, property, intangible property, occupation, production, sales, use, license, excise, emergency excise, franchise, capital gains, capital stock, employment, withholding,
          transfer, stamp, payroll, goods and services, value added, alternative or add-on minimum tax, or any other tax, custom, duty or governmental fee, or other like assessment or charge of any kind whatsoever, together with any interest, penalties,
          fines, related liabilities or additions to tax that may become payable in respect thereof imposed by any Governmental Entity, whether or not disputed;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">33</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160; &#160; &#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Tax Return</u></font>&#8221; means any return, declaration, report or similar statement required to be filed with respect to any Taxes
          (including any attached schedules), including, without limitation, any information return, claim or refund, amended return and declaration of estimated Tax;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(u) &#160; &#160;&#160; &#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Voting Securities</u></font>&#8221; means at any time shares of any class of Capital Stock of the Company, including but not limited to Voting
          Common Stock (or, after giving effect to the Merger Transactions, Class A Common Stock), and Voting Debt that are then entitled to vote generally in the election of directors;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160; &#160; &#160;&#160; &#160; the word &#8220;<font style="font-weight: bold;"><u>or</u></font>&#8221; is not exclusive;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(w) &#160; &#160;&#160; &#160;&#160; the words &#8220;<font style="font-weight: bold;"><u>including</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>includes</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>included</u></font>&#8221;
          and &#8220;<font style="font-weight: bold;"><u>include</u></font>&#8221; are deemed to be followed by the words &#8220;without limitation&#8221;;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(x)&#160; &#160; &#160; &#160; the terms &#8220;<font style="font-weight: bold;"><u>herein</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>hereof</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>hereunder</u></font>&#8221;
          and other words of similar import refer to this Agreement as a whole and not to any particular section, paragraph or subdivision; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(y)&#160; &#160; &#160;&#160; all article, section, paragraph or clause references not attributed to a particular document shall be references to such parts of this Agreement, and all exhibit and schedule references
          not attributed to a particular document shall be references to such exhibits and schedules to this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655932"></a><a name="z_Toc55380709"></a><a name="z_Toc64035378"></a><font style="font-weight: bold;">6.3</font>&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Amendment and Waivers</u></font>.&#160;

          The conditions to each Party&#8217;s obligation to consummate the Closing are for the sole benefit of such Party and may be waived by such Party in whole or in part to the extent permitted by Law.&#160; No amendment or waiver of any provision of this
          Agreement will be effective against any Party unless it is in a writing signed by a duly authorized officer of such Party. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655933"></a><a name="z_Toc55380710"></a><a name="z_Toc64035379"></a><font style="font-weight: bold;">6.4</font>&#160; &#160; &#160; <font style="font-weight: bold;"><u>Counterparts and
              Facsimile</u></font>.&#160; For the convenience of the Parties, this Agreement may be executed in any number of separate counterparts, each such counterpart being deemed to be an original instrument, and all such counterparts will together
          constitute the same agreement.&#160; Executed signature pages to this Agreement may be delivered by facsimile and such facsimiles shall be deemed as sufficient as if manually signed signature pages had been delivered. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655934"></a><a name="z_Toc55380711"></a><a name="z_Toc64035380"></a><font style="font-weight: bold;">6.5</font>&#160;&#160; &#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Governing Law</u></font>.&#160;

          This Agreement will be governed by and construed in accordance with the Laws of the State of California applicable to contracts made and to be performed entirely within such State. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655935"></a><a name="z_Toc55380712"></a><a name="z_Toc64035381"></a><font style="font-weight: bold;">6.6</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>WAIVER OF JURY TRIAL</u></font>.&#160;

          TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVESTOR HEREBY IRREVOCABLY WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY RELATING TO THIS AGREEMENT, THE TRANSACTIONS CONTEMPLATED HEREBY WHETHER
          BASED ON CONTRACT, EQUITY, TORT OR ANY OTHER THEORY.&#160; THIS WAIVER OF RIGHT TO TRIAL BY JURY IS GIVEN BY INVESTOR, KNOWINGLY AND VOLUNTARILY WITH THE BENEFIT OF COMPETENT LEGAL COUNSEL. </div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">34</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655936"></a><a name="z_Toc55380713"></a><a name="z_Toc64035382"></a><font style="font-weight: bold;">6.7</font>&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Notices</u></font>.&#160;
          Any notice, request, instruction or other document to be given hereunder by any Party to the other will be in writing and will be deemed to have been duly given (a) on the date of delivery if delivered personally or by telecopy or facsimile, upon
          confirmation of receipt, (b) on the first Business Day following the date of dispatch if delivered by a recognized next-day courier service, or (c) on the third Business Day following the date of mailing if delivered by registered or certified
          mail, return receipt requested, postage prepaid, provided that any such notice, request, instruction or other document to be given hereunder shall not be deemed to have been duly given unless and until it is sent via electronic mail to the
          recipient thereof.&#160; All notices hereunder shall be delivered as set forth below, or pursuant to such other instructions as may be designated in writing by the Party to receive such notice. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160; &#160; &#160;&#160; If to the Investor:</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">First Republic Bank<br>
          Attn: Michael J. Roffler<br>
          111 Pine Street</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">San Francisco, CA 94111</div>
        <div><br>
        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160; &#160; &#160;&#160; &#160; If to the Company:</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Broadway Financial Corporation<br>
          5055 Wilshire Boulevard, Suite 500<br>
          Los Angeles, California 90036<br>
          Attn: Brenda Battey,</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Chief Financial Officer</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Email: bbattey@broadwayfederalbank.com</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">with a copy (which copy shall not constitute notice) to:</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Arnold &amp; Porter LLP</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">777 South Figueroa Street,<br>
          44th Floor</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Los Angeles, California 90017<br>
          Attn: James R. Walther, Esq.<br>
          Fax: (213) 243-4199</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Email: James.Walther@arnoldporter.com</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655937"></a><a name="z_Toc55380714"></a><a name="z_Toc64035383"></a><font style="font-weight: bold;">6.8</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Entire Agreement</u></font>.&#160;

          This Agreement constitutes the entire agreement, and supersede all other prior agreements, understandings, representations and warranties, inducements or conditions, both written and oral, among the Parties, with respect to the subject matter
          hereof and thereof. </div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">35</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655938"></a><a name="z_Toc55380715"></a><a name="z_Toc64035384"></a><font style="font-weight: bold;">6.9</font>&#160;&#160; &#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Successors and Assigns</u></font>.&#160;

          This Agreement shall be binding upon and inure to the benefit of the Parties and their respective successors and assigns, including any purchasers of the Common Stock to be issued pursuant to this Agreement.&#160; The Company shall not assign this
          Agreement or any rights or obligations hereunder without the prior written consent of the Investor.&#160; The Investor may assign some or all of its rights hereunder or thereunder without the consent of the Company to any Affiliate of the Investor,
          and such assignee shall be deemed to be an Investor hereunder with respect to such assigned rights and shall be bound by the terms and conditions of this Agreement that apply to the Investor. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655939"></a><a name="z_Toc55380716"></a><a name="z_Toc64035385"></a><font style="font-weight: bold;">6.10</font>&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Captions</u></font>.&#160;
          The article, section, paragraph and clause captions herein are for convenience of reference only, do not constitute part of this Agreement and will not be deemed to limit or otherwise affect any of the provisions hereof. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655940"></a><a name="z_Toc55380717"></a><a name="z_Toc64035386"></a><font style="font-weight: bold;">6.11</font>&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Severability</u></font>.&#160;

          If any provision of this Agreement or the application thereof to any Person or circumstance is determined by a court of competent jurisdiction to be invalid, void or unenforceable, the remaining provisions hereof, or the application of such
          provision to Persons or circumstances other than those as to which it has been held invalid or unenforceable, will remain in full force and effect and shall in no way be affected, impaired or invalidated thereby, so long as the economic or legal
          substance of the transactions contemplated hereby is not affected in any manner materially adverse to any party.&#160; Upon such determination, the Parties shall negotiate in good faith in an effort to agree upon a suitable and equitable substitute
          provision to effect the original intent of the Parties. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655941"></a><a name="z_Toc55380718"></a><a name="z_Toc64035387"></a><font style="font-weight: bold;">6.12</font>&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Third Party
              Beneficiaries</u></font>.&#160; Nothing contained in this Agreement, expressed or implied, is intended to confer upon any Person other than the Parties, any benefit right or remedies, except that the Placement Agents may rely on the
          representations and warranties contained herein to the same extent as if they were party to this Agreement and the provisions of Sections 5.1 and 5.2 shall inure to the benefit of the Persons referred to in such Sections. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655942"></a><a name="z_Toc55380719"></a><a name="z_Toc64035388"></a><font style="font-weight: bold;">6.13</font>&#160; &#160;&#160; <font style="font-weight: bold;"><u>Public Announcements</u></font>.&#160;

          The Investor will not make (and will use its reasonable best efforts to ensure that its Affiliates and representatives do not make) any news release or public disclosure with respect to this Agreement and any of the transactions contemplated
          hereby, without first consulting with the Company and, in each case, also receiving the Company&#8217;s consent (which shall not be unreasonably withheld, conditioned or delayed). </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655943"></a><a name="z_Toc55380720"></a><a name="z_Ref64028453"></a><a name="z_Toc64035389"></a><font style="font-weight: bold;">6.14</font>&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Specific Performance</u></font>.&#160; The Parties agree that irreparable damage would occur in the event that any of the provisions of this Agreement were not performed in accordance with their specific terms.&#160; It is accordingly agreed
          that the Parties shall be entitled to seek specific performance of the terms hereof, this being in addition to any other remedies to which they are entitled at law or equity. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655944"></a><a name="z_Toc55380721"></a><a name="z_Toc64035390"></a><font style="font-weight: bold;">6.15</font>&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>No Recourse to Other
              Persons</u></font>.&#160; This Agreement may only be enforced against the named Parties.&#160; All claims or causes of action that may be based upon, arise out of or relate to this Agreement, or the negotiation, execution or performance of this
          Agreement may be made only against the entities that are expressly identified as Parties or that are subject to the terms hereof, and no past, present or future director, officer, employee, incorporator, member, manager, partner, stockholder,
          Affiliate, agent, attorney or representative of any Party (including any person negotiating or executing this Agreement on behalf of a Party) shall have any liability or obligation with respect to this Agreement or with respect to any claim or
          cause of action, whether in tort, contract or otherwise, that may arise out of or relate to this Agreement, or the negotiation, execution or performance of this Agreement and the transactions contemplated hereby. </div>
        <div>&#160;</div>
        <div style="text-align: center; font-style: italic;">[<font style="font-weight: bold;">signature page follows</font>]</div>
        <div>&#160; </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">36</font></div>
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        <div style="text-align: justify; text-indent: 36pt;"><font style="font-weight: bold;">IN WITNESS WHEREOF</font>, the Parties have caused this Agreement to be duly executed by their respective authorized officers as of the day and year first above
          written.</div>
        <div><br>
        </div>
        <div style="font-weight: bold;">BROADWAY FINANCIAL CORPORATION</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z1510b843b8294d41b63618494a661f82">

            <tr>
              <td style="width: 5%; vertical-align: top; padding-bottom: 2px;">
                <div>By:</div>
              </td>
              <td style="width: 5%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
              <td style="width: 20%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
              <td style="width: 70%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 5%; vertical-align: top;"> <br>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div>Name:</div>
              </td>
              <td style="vertical-align: top;" colspan="2">
                <div>Wayne-Kent A. Bradshaw</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5%; vertical-align: top;"> <br>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div>Title:</div>
              </td>
              <td style="vertical-align: top;" colspan="2">
                <div>President and Chief Executive Officer</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-align: center;">[Stock Purchase Agreement]</div>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="page-break-after:always;" id="DSPFPageBreak">
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            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="vertical-align: top;" rowspan="1" colspan="3">
                <div style="font-weight: bold;">FIRST REPUBLIC BANK</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="vertical-align: top;" colspan="2">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 5%; vertical-align: top; padding-bottom: 2px;">
                <div>By:</div>
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              <td style="width: 22%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
              <td style="width: 23%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;"> <br>
              </td>
              <td style="vertical-align: top;" colspan="2">
                <div>Name:</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div><br>
                </div>
              </td>
              <td style="vertical-align: top;" colspan="2">Title:</td>
            </tr>

        </table>
        <div><br>
        </div>
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            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;" rowspan="1">
                <div>Address for notices:</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;" rowspan="1">&#160;</td>
              <td style="width: 50%; vertical-align: top;" rowspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;" rowspan="1">
                <div>First Republic Bank</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;" rowspan="1">
                <div>Attn: Michael J. Roffler</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;" rowspan="1">
                <div>111 Pine Street</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;" rowspan="1">
                <div>San Francisco, CA 94111</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-align: center;">[Stock Purchase Agreement]</div>
        <div><br>
        </div>
      </div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div>
        <div>
          <div style="text-align: right;">EXECUTION VERSION</div>
        </div>
        <div>
          <div style="text-align: center;">INVESTOR&#8217;S RIGHTS LETTER AGREEMENT</div>
          <div>&#160;</div>
          <div style="text-align: right;">April 6, 2021</div>
          <div>&#160;</div>
          <div>Broadway Financial Corporation</div>
          <div>5055 Wilshire Boulevard</div>
          <div>Suite 500</div>
          <div>Los Angeles, CA 90036</div>
          <div>Attn: Brenda J. Battey</div>
          <div>Executive Vice President &amp; Chief Financial Officer</div>
          <div><br>
          </div>
          <div>Re:&#160;&#160;&#160;&#160;&#160; Investor&#8217;s Rights</div>
          <div>&#160;</div>
          <div>Ladies and Gentlemen:</div>
          <div>&#160;</div>
          <div style="text-align: justify; text-indent: 74.8pt;">Reference is made to that certain Stock Purchase Agreement, dated as of February 19, 2021 (the &#8220;<u>Stock Purchase Agreement</u>&#8221;), by and between Broadway Financial Corporation, a Delaware
            public benefit corporation (the &#8220;<u>Company</u>&#8221;) and First Republic Bank, a California state chartered bank (the &#8220;<u>Investor</u>&#8221;), pursuant to which the Company has issued and delivered to the Investor 1,123,708 shares of Class A Common
            Stock, par value $0.01 per share (the &#8220;<u>Class A</u>&#160;<u>Common Shares</u>&#8221; and, together with the Company&#8217;s Class C Common Shares, the &#8220;<u>Common Shares</u>&#8221;) for the Per Share Purchase Price.&#160; This letter agreement memorializes our agreement
            concerning certain legal compliance matters and certain governance rights that the Company will grant to the Investor effective as of the date hereof in respect of the Investor&#8217;s ownership of the Common Shares.&#160; Any capitalized terms used
            herein but not otherwise defined herein shall have their respective meanings as set forth in the Stock Purchase Agreement.</div>
          <div>&#160;</div>
          <div style="text-indent: 72pt;"><a name="z_Ref50545598"></a>1.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>Inspection; Information Rights</u>.</div>
          <div>&#160;</div>
          <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref_ContractCompanion_9kb9Ur013"></a>(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;For so long as the Investor holds an amount of Common Shares equal to at least 50% of the Common Shares acquired by the Investor at
            the Closing of the Stock Purchase Agreement, the Company shall permit the Investor, in a manner designed to not interfere with the normal business operations of the Company, to visit and inspect the Company&#8217;s properties, to examine its books of
            account and records and, for so long as the Investor holds any Common Shares, the Company shall permit the Investor to discuss the Company&#8217;s affairs, finances and accounts with its officers, all at such reasonable times during normal business
            hours as may be requested by the Investor upon reasonable advance notice, and subject to any limitations required by applicable law or this letter agreement.</div>
          <div>&#160;</div>
          <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;For so long as the Investor holds any Common Shares, the Company shall deliver to the Investor copies of the Company&#8217;s annual CDFI Fund impact metrics reports as soon as reasonably
            practicable after such reports become available.</div>
          <div>&#160;</div>
          <div style="text-indent: 72pt;"><a name="z_Ref50545673"></a>(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;For so long as the Investor holds any Common Shares, the Company shall deliver to the Investor the following, unless already available on the United States Securities and
            Exchange Commission&#8217;s EDGAR site or successor system:</div>
          <div>&#160;</div>
          <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
            <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">1</font></div>
            <div id="DSPFPageBreak" style="page-break-after:always;">
              <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
          </div>
          <div style="text-align: justify; text-indent: 36pt; margin-left: 72pt;">(i)&#160;&#160; &#160; &#160;&#160; &#160; as soon as reasonably practicable, but in any event within 90 days after the end of each fiscal year of the Company, an audited consolidated income statement,
            statement of cash flows and statement of shareholder&#8217;s equity and an audited consolidated balance sheet of the Company, together with all related financial notes thereto, in each case prepared in accordance with GAAP;</div>
          <div>&#160;</div>
          <div style="text-align: justify; text-indent: 36pt; margin-left: 72pt;">(ii)&#160; &#160; &#160;&#160; as soon as practicable, but in any event within 45 days after the end of each quarter of each fiscal year of the Company (excluding the fourth quarter of each
            fiscal year), an unaudited consolidated income statement and statement of cash flows and an unaudited consolidated balance sheet as of the end of such fiscal quarter, in each case prepared in accordance with GAAP; and</div>
          <div>&#160;</div>
          <div style="text-align: justify; text-indent: 36pt; margin-left: 72pt;">(iii) &#160; &#160;&#160; &#160; a statement of the total number of outstanding shares of Common Stock of the Company (a &#8220;<u>Share Count Statement</u>&#8221;) (A)&#160;as soon as practicable, but in any
            event within 45 days of the end of each fiscal quarter of the Company (including the fourth fiscal quarter), or at any time as the Investor may reasonably request from time to time, and (B)&#160;within 5 business days following any change in the
            number of outstanding shares of Common Stock of the Company (excluding outstanding restricted stock awards) of more than 1% as compared to the most recent Share Count Statement delivered to the Investor.</div>
          <div>&#160;</div>
          <div style="text-align: justify; text-indent: 36pt; margin-left: 72pt;">(iv) &#160; &#160; &#160;&#160; as soon as reasonably practicable reasonably detailed reports with respect to (A) material legal, regulatory or compliance matters of which the Company or the
            Company Subsidiaries is, or is reasonably expected to become, a party or otherwise subject, or any other matters that may reasonably be expected to adversely impact the reputation of the Company or its investors (any such event, an &#8220;<u>Adverse
              Compliance/Reputational Matter</u>&#8221;) and (B) any event that has caused, or may reasonably be expected to cause, the Company to fail to qualify as a &#8220;minority depository institution&#8221; (as defined under applicable law);</div>
          <div>&#160;</div>
          <div style="text-align: justify;">Notwithstanding anything in this letter agreement to the contrary, the Company shall not be obligated pursuant to <u>Sections 1(a)</u>, <u>1(b)</u> or <u>1(c)(ii) or (iv)</u> to provide information (1) that it
            reasonably considers to be confidential competitive information or confidential supervisory information, (2) the disclosure of which it&#160; reasonably determines will violate applicable Law (including applicable bank secrecy laws and similar
            legislation), result in the loss of any legal privilege or expose the Company to risk of liability for disclosure of personal information; <u>provided</u>, <u>however</u>, that if the foregoing applies the Company shall use reasonable efforts
            to make substitute disclosure arrangements (including redacting information or making substitute disclosure arrangements) that would enable the provision of such information without disclosing such competitive information, violating such Law or
            losing such privilege, (3) that would be materially adverse to the interests of the Company or any of its Subsidiaries in any pending or threatened Action or (4) that would constitute material non-public information for so long as the Company
            is subject to the reporting requirements of section 13 or 15(d) of the Exchange Act, unless the Company and the Investor execute a customary confidentiality agreement relating thereto.</div>
          <div>&#160;</div>
          <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
            <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
            <div id="DSPFPageBreak" style="page-break-after:always;">
              <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
          </div>
          <div style="text-indent: 72pt;">2.&#160;&#160; &#160; &#160;&#160;&#160;&#160;&#160; <u>OFAC Compliance</u>.&#160; As of and after the date hereof, the Company shall not (and shall cause each Company Subsidiary not to) knowingly directly or indirectly use the proceeds of the sale of the
            Common Shares pursuant to the Stock Purchase Agreement, or lend, contribute or otherwise make available such proceeds to any Company Subsidiary, joint venture partner or other Person for direct or indirect use, in connection with any sales or
            operations in any country sanctioned by OFAC or for the purpose of financing the activities of any Person currently subject to any U.S. sanctions administered by OFAC.</div>
          <div>&#160;</div>
          <div style="text-indent: 72pt;"><a name="z_Ref_ContractCompanion_9kb9Ur017"></a>3.&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; <u>Avoidance of Control</u>.</div>
          <div>&#160;</div>
          <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Neither the Company nor any Company Subsidiary shall take any action (including any redemption, repurchase, or recapitalization of Common Stock or other Voting Securities of the
            Company, or securities or rights, options or warrants to purchase Common Stock or other Voting Securities of the Company, or securities of any type whatsoever that are, or may become, convertible into or exchangeable into or exercisable for
            Common Stock or other Voting Securities of the Company, except where, solely with respect to any such redemption, repurchase or recapitalization of the Common Stock, the Investor is given the right to participate in such redemption, repurchase
            or recapitalization to the extent of the Investor&#8217;s pro rata proportion), that would cause (i) the Voting Securities <font style="color: #000000;">&#8220;owned&#8221; or &#8220;controlled,&#8221; directly or indirectly, by the Investor or any Affiliate of the
              Investor for purposes of the Bank Holding Company Act, as amended (the &#8220;</font><u><font style="color: #000000;">BHC Act</font></u><font style="color: #000000;">&#8221;) and its implementing regulations (for the avoidance of doubt, excluding any
              securities owned or controlled in a fiduciary capacity, solely for trading purposes, pursuant to an underwriting commitment, in inventory in connection with market making activities, received in lieu of</font><a name="z_DV_X144"></a><a name="z_DV_C89"></a><font style="color: #000000;"> a debt previously contracted </font><font style="color: #000000;">if disposed of within the time required by applicable law, and such other holdings as may not constitute ownership or
              control for purposes of the </font>BHC Act,<font style="color: #000000;"> as determined from time to time by interpretations or guidance from the staff of the Board of Governors of the Federal Reserve (the &#8220;</font><u><font style="color: #000000;">Federal Reserve Board</font></u><font style="color: #000000;">&#8221;))</font> to increase above 4.99% of&#160; the Company&#8217;s Voting Securities, or (ii) the Investor&#8217;s total aggregate ownership of Voting Securities and Nonvoting Securities
            of the Company to exceed 24.9% of the Total Equity of the Company, consistent with the restrictions set forth in the Federal Reserve Board&#8217;s guidance for non-controlling equity investments, without the prior written consent of the Investor; <u>provided</u>,
            <u>further</u>, that in the event of a sale, merger, consolidation or other similar transaction involving the Company following the Closing Date, the Company shall not take any action that would cause the Investor to own more than 4.99% of the
            total Voting Securities, or more than 24.9% of the total issued and outstanding equity, of the acquiror or surviving company, as applicable, following consummation of any such transaction.&#160; For the purposes of this letter agreement, &#8220;Voting
            Securities&#8221; <font style="color: #000000;">shall have such meaning as defined in 12 CFR 225.2(q)(1); &#8220;Nonvoting Securities&#8221; shall have such meaning as defined in 12 CFR 225.2(q)(2); and &#8220;Total Equity&#8221; shall have such meaning as defined in 12
              CFR 225.34, in each case, as may be amended or modified from time to time</font>.</div>
          <div>&#160;</div>
          <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; In the event that the Company breaches its obligations under this <u>Section&#160;3</u> or believes that it is reasonably likely to breach such obligations, it shall notify the Investor
            as promptly as practicable and shall cooperate in good faith with the Investor to modify any ownership or other arrangements or take any other action, in each case, as is necessary to cure or avoid such breach.</div>
          <div>&#160;</div>
          <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
            <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
            <div id="DSPFPageBreak" style="page-break-after:always;">
              <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
          </div>
          <div style="text-indent: 72pt;"><a name="z_Ref_ContractCompanion_9kb9Ur019"></a>4.&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; <u>Transfer Rights</u>.&#160; Notwithstanding anything to the contrary in this letter agreement, the Investor may at any time and from time to time transfer
            all or any part of its Common Shares to any third party.&#160; Any such transfer will be made in accordance with applicable federal and state securities laws and the Company will provide the Investor with reasonable assistance in effecting any such
            transfer.</div>
          <div>&#160;</div>
          <div style="text-indent: 72pt;">5.&#160;&#160; &#160; &#160;&#160;&#160;&#160;&#160; <u>Further Assurances</u>.&#160; The Company and the Investor each agree to execute and deliver, or cause its respective Affiliates to execute and deliver, such further documents and instruments and to
            take such further actions as may be necessary or desirable and reasonably requested by the other party to carry out the provisions of this letter agreement and perform the obligations herein in compliance with applicable law.</div>
          <div>&#160;</div>
          <div style="text-indent: 72pt;"><a name="z_Ref434493896"></a>6.&#160;&#160;&#160;&#160; &#160; &#160;&#160;&#160; <u>Assignment</u>.&#160; This letter agreement may not be assigned (in whole or in part) by the Investor without the prior written consent of the Company and any such
            assignment shall be void and of no force or effect.&#160; Notwithstanding the foregoing, this letter agreement may be assigned (in whole or in part) by the Investor to any of its Affiliates that may hold Common Shares from time to time.</div>
          <div>&#160;</div>
          <div style="text-indent: 72pt;">7.&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <u>Termination</u>.&#160; This letter agreement shall automatically terminate and be of no further force and effect upon (a) the date the Investor and its Affiliates do not own any Common Shares or (b) the
            liquidation, dissolution or winding up of the Company, or execution by the Company of a general assignment for the benefit of creditors or the appointment of a receiver or trustee to take passion of the property or assets of the Company.</div>
          <div>&#160;</div>
          <div style="text-indent: 72pt;">8.&#160;&#160;&#160; &#160; &#160;&#160;&#160;&#160; <u>Miscellaneous</u>.&#160; Sections 6.3 through 6.15 of the Stock Purchase Agreement are incorporated by reference into this letter agreement, <font style="font-style: italic;">mutatis mutandis</font>.</div>
          <div>&#160;</div>
          <div style="text-align: center;">[<font style="font-style: italic;">Signature Page Follows</font>]</div>
          <div>&#160;</div>
          <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
            <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
            <div id="DSPFPageBreak" style="page-break-after:always;">
              <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
          </div>
          <div style="margin-left: 36pt;">The parties have executed this letter agreement as of the date first set forth above.</div>
          <div>&#160;</div>
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              <tr>
                <td style="width: 55%; vertical-align: top;">&#160;</td>
                <td style="vertical-align: top; width: 45%;">
                  <div style="font-weight: bold;">THE COMPANY:</div>
                </td>
              </tr>
              <tr>
                <td style="width: 55%; vertical-align: top;" rowspan="1">&#160;</td>
                <td style="vertical-align: top; width: 45%;" rowspan="1">&#160;</td>
              </tr>
              <tr>
                <td style="width: 55%; vertical-align: top;">&#160;</td>
                <td style="vertical-align: top; width: 45%;">
                  <div>BROADWAY FINANCIAL CORPORATION</div>
                </td>
              </tr>

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          <div><br>
          </div>
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                <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                  <div>By:</div>
                </td>
                <td style="width: 42%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
              </tr>

          </table>
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                <td style="width: 55%; vertical-align: top;">&#160;</td>
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                  <div style="text-align: center;">(Signature)</div>
                </td>
              </tr>

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              <tr>
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                <td style="width: 5%; vertical-align: top; padding-bottom: 2px;">
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          <div>&#160;</div>
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<DOCUMENT>
<TYPE>EX-10.28
<SEQUENCE>8
<FILENAME>brhc10022486_ex10-28.htm
<DESCRIPTION>EXHIBIT 10.28
<TEXT>
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      <div style="text-align: right;">Exhibit 10.28<br>
      </div>
      <div> <br>
        <div style="font-weight: bold; text-align: right;">EXECUTION VERSION</div>
      </div>
    </div>
    <div> <br>
    </div>
    <div>
      <div style="text-align: center;">BROADWAY FINANCIAL CORPORATION</div>
      <div><br>
      </div>
      <div style="text-align: center;">STOCK PURCHASE AGREEMENT</div>
      <div><br>
      </div>
      <div style="text-align: center;">February 19, 2021</div>
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      <div style="text-align: center; font-weight: bold;"><u>TABLE OF CONTENTS</u></div>
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            <td style="vertical-align: top;" colspan="3" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: center;" rowspan="1"><u>Page</u></td>
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            <td style="vertical-align: top;" colspan="3" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;" rowspan="1">&#160;</td>
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              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 1.</font><font style="font-size: 10pt;"> PURCHASE&#894; CLOSING</font></div>
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            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
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            <td style="vertical-align: top;" colspan="3" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
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            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">1.1</div>
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              <div style="font-weight: bold;">Issuance, Sale and Purchase</div>
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            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
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          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">1.2</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Closing; Deliverables for the Closing; Conditions to the Closing</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
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          <tr>
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              <div style="font-size: 12pt;"><font style="font-size: 10pt;"><font style="font-weight: bold;">ARTICLE 2</font>.</font><font style="font-size: 10pt;"> REPRESENTATIONS AND WARRANTIES</font></div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">4</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
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            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">2.1</div>
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              <div style="font-weight: bold;">Certain Terms</div>
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            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">4</div>
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          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
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            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">2.2</div>
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              <div style="font-weight: bold;">Representations and Warranties of the Company</div>
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            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">5</div>
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            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">2.3</div>
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            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Representations and Warranties of the Investor</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">20</div>
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            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
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              <div><font style="font-weight: bold;">ARTICLE 3.</font> COVENANTS</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.1</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Conduct of Business Prior to Closing</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
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              <div style="font-weight: bold;">3.2</div>
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              <div style="font-weight: bold;">Use of Proceeds</div>
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              <div style="text-align: right;">22</div>
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            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
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              <div style="font-weight: bold;">3.3</div>
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              <div style="font-weight: bold;">Regulatory Filings</div>
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              <div style="text-align: right;">22</div>
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            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.4</div>
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              <div style="font-weight: bold;">Confidentiality</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22</div>
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          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.5</div>
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            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Publicity</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">23</div>
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          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.6</div>
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            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Commercially Reasonable Efforts</div>
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            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">23</div>
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            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.7</div>
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              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">Legend</font><font style="font-size: 10pt;">.</font></div>
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            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">23</div>
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          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.8</div>
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            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Exchange Listing</div>
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            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">24</div>
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          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.9</div>
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            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Authorized Shares</div>
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            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">24</div>
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          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.10</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Rule 144 Reporting</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">24</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3" rowspan="1">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 4.</font><font style="font-size: 10pt;"> TERMINATION</font></div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">25</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">4.1</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Termination</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">25</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">4.2</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Effects of Termination</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">25</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3" rowspan="1">
              <div><font style="font-weight: bold;">ARTICLE 5.</font> INDEMNITY</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">5.1</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Indemnification by the Company</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">5.2</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Indemnification by the Investor</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">5.3</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Notification of Claims</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">5.4</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Indemnification Payment</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">5.5</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Exclusive Remedies</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3" rowspan="1">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 6.</font><font style="font-size: 10pt;"> MISCELLANEOUS</font></div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.1</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Survival</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.2</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Other Definitions</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">29</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">i</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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      <table cellspacing="0" cellpadding="0" border="0" id="z0c95bc7fd701452985f0d946633c4412" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.3</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Amendment and Waivers</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.4</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Counterparts and Facsimile</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.5</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Governing Law</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.6</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">WAIVER OF JURY TRIAL</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.7</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Notices</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.8</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Entire Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.9</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Successors and Assigns</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.10</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Captions</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.11</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Severability</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.12</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Third Party Beneficiaries</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.13</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Public Announcements</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.14</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Specific Performance</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 89%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.15</div>
            </td>
            <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">No Recourse to Other Persons</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">35</div>
            </td>
          </tr>

      </table>
      <div> <br>
      </div>
      <div style="text-align: center; font-weight: bold;"><u>INDEX OF DEFINED TERMS</u></div>
      <br>
      <table cellspacing="0" cellpadding="0" border="0" id="z11a7da083c07427c8502558ceb09447b" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

          <tr>
            <td style="width: 95%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;" rowspan="1">
              <div style="text-align: right;"><u>Page</u></div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Action</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">8</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Affiliate</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Agency</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Authorized Shares Increase Approval</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Bank</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Bank Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Benefit Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Board of Directors</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Business Day</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Capital Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>CDFI</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>CFB</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Class A Common Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Class B Common Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Class C Common Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Closing</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Closing Date</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Code</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Company</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Employees</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Company Financial Statements</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">9</div>
            </td>
          </tr>

      </table>
      <div><br>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">ii</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" id="z7a21482160284c5cb00a2521ba412f7d" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Indemnified Parties</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Company Insurance Policies</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company IT Assets</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">10</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Company Reports</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">9</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Specified Representations</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Company Stock Plan</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">7</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Subsidiaries</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Company Subsidiary</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Concurrent Other Transactions</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>control</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>controlled by</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>controlling</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Disclosure Schedule</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Disqualification Event</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">18</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>EESA</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>ERISA</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>ERISA Affiliate</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Exchange Act</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">9</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>FDIC</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>GAAP</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Governmental Authorizations</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Governmental Consent</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Governmental Entity</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Indemnified Party</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Indemnifying Party</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Insider</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">19</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Insurer</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Intellectual Property Rights</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Investment</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Investor</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Investor Indemnified Parties</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Investor Specified Representations</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Knowledge</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Law</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Liens</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">8</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Loan Investor</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Losses</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Material Adverse Effect</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">4</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Merger Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Merger Transactions</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Multiemployer Plan</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>OFAC</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">12</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Parties</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Per Share Purchase Price</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">iii</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" id="zae6fa0f3f7b14041a7e8abc8586160c1" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Person</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Placement Agents</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Preferred Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">6<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Previously Disclosed</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Purchase Price</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Rule 506</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">18</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>SEC</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Securities Act</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">7</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Shares</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>SLHCA Act</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Stockholder Approval</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Subsidiary</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Surviving Bank</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Tax</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Tax Return</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Taxes</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Third Party Claim</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Threshold Amount</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>under common control with</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Voting Debt</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">7</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Voting Securities</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>

      </table>
      <br>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">iv</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: center; font-weight: bold;"><u>STOCK PURCHASE AGREEMENT</u></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">THIS STOCK PURCHASE AGREEMENT </font><font style="font-size: 10pt;">(as amended, supplemented or otherwise modified from time to
          time, this &#8220;<font style="font-weight: bold;"><u>Agreement</u></font>&#8221;) is dated as of February 19, 2021, and is entered into by and among Broadway Financial Corporation, a Delaware corporation (the &#8220;<font style="font-weight: bold;"><u>Company</u></font>&#8221;),




          and Gerald I. White, in his individual capacity (the &#8220;<font style="font-weight: bold;"><u>Investor</u></font>&#8221;, and together with the Company, the &#8220;<font style="font-weight: bold;"><u>Parties</u></font>&#8221;).</font></div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><u>RECITALS</u></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt;"><a name="z_Hlk53516059"></a><font style="font-weight: bold;">WHEREAS</font>, the Company is a party to that certain Agreement and Plan of Merger (the &#8220;<font style="font-weight: bold;"><u>Merger
            Agreement</u></font>&#8221;) with CFBanc Corporation, a District of Columbia benefit corporation (&#8220;<font style="font-weight: bold;"><u>CFB</u></font>&#8221;) which provides, among other things and subject to the terms and conditions of the Merger
        Agreement, for (i) the merger of CFB with and into the Company, with the Company continuing as the surviving entity in the Merger (the &#8220;<font style="font-weight: bold;"><u>Merger</u></font>&#8221;), (ii) <font style="color: rgb(38, 38, 38);">immediately
          following the Merger, Broadway Federal Bank, f.s.b., a wholly owned subsidiary of the Company, will merge with and into City First Bank of D.C., National Association (&#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>CFB Sub</u></font><font style="color: rgb(38, 38, 38);">&#8221;), a wholly owned subsidiary of CFB (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Bank Merger</u></font><font style="color: rgb(38, 38, 38);">&#8221; and together with the Merger and </font>the

        other transactions contemplated by the Merger Agreement, the &#8220;<font style="font-weight: bold;"><u>Merger Transactions</u></font>&#8221;)<font style="color: rgb(38, 38, 38);">, with CFB Sub continuing as the surviving entity (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Surviving Bank</u></font><font style="color: rgb(38, 38, 38);">&#8221;)</font>, and (iii) the Company&#8217;s voting common stock, par value $0.01 per share, will be renamed Class A Common Stock (&#8220;<font style="font-weight: bold;"><u>Class A Common Stock</u></font>&#8221;), a new class of non-voting common stock of the Company, par value $0.01 per share, will be created which will be named Class B Common Stock (&#8220;<font style="font-weight: bold;"><u>Class

            B Common Stock</u></font>&#8221;) and the Company&#8217;s currently authorized non-voting common stock, par value $0.01 per share, will be renamed Class C Common Stock (the &#8220;<font style="font-weight: bold;"><u>Class C Common Stock</u></font>&#8221; and
        collectively, the &#8220;<font style="font-weight: bold;"><u>Common Stock</u></font>&#8221; );</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company has engaged Raymond James &amp; Associates, Inc. and Keefe, Bruyette
          &amp; Woods, Inc. as co-placement agents (the &#8220;<font style="font-weight: bold;"><u>Placement Agents</u></font>&#8221;) for the offering of the Common Stock.</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company desires to issue and sell to the Investor, and the Investor desires to
          purchase from the Company, on the terms and conditions described herein, shares of Class A Common Stock at the Per Share Purchase Price specified herein (the &#8220;<font style="font-weight: bold;"><u>Investment</u></font>&#8221;);</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made subject to completion of the Merger
          Transactions;</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made concurrently with the sale by the Company of
          shares of Class A Common Stock and Class C Common Stock at the Per Share Purchase Price via private placement to certain other investors (the &#8220;<font style="font-weight: bold;"><u>Concurrent Other Transactions</u></font>&#8221;); and</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">NOW, THEREFORE</font><font style="font-size: 10pt;">, in consideration of the premises, and of the respective representations,
          warranties, covenants and other agreements of the Parties set forth herein, the Parties hereby agree as follows:</font></div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <!--PROfilePageNumberReset%Num%2%%%-->
      <div style="text-align: center; font-weight: bold;">ARTICLE 1.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655903"></a><a name="z_Toc55380678"></a><a name="z_Toc56510574"></a><a name="z_Toc63868748"></a>PURCHASE&#894; CLOSING</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655904"></a><a name="z_Toc55380679"></a><a name="z_Toc56510575"></a><a name="z_Toc63868749"></a><font style="font-weight: bold;">&#160;1.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Issuance, Sale and Purchase</u></font>.&#160; On the terms and subject to the conditions set forth herein, the Company agrees to issue and sell to the Investor, and the Investor agrees to purchase from the Company, free and clear of any
        Liens, 148,800 shares of Class A Common Stock (the &#8220;<font style="font-weight: bold;"><u>Shares</u></font>&#8221;) at a per share purchase price of $1.78 (the &#8220;<font style="font-weight: bold;"><u>Per Share Purchase Price</u></font>&#8221;), payable to the
        Company in immediately available funds at the Closing.&#160; The aggregate purchase price payable pursuant to this Section 1.1 is referred to herein as the &#8220;<font style="font-weight: bold;"><u>Purchase Price</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655905"></a><a name="z_Toc55380680"></a><a name="z_Toc56510576"></a><a name="z_Toc63868750"></a><font style="font-weight: bold;">&#160;1.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Closing; Deliverables for the Closing; Conditions to the Closing</u></font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing</u></font>.&#160; Unless this Agreement has been terminated pursuant to Article 4, and subject to the satisfaction or, to the extent permitted by
        Law and this Agreement, the written waiver of the conditions set forth in Section 1.2(c), the closing of the transaction contemplated by this Agreement (the &#8220;<font style="font-weight: bold;"><u>Closing</u></font>&#8221;) shall take place at the offices
        of Arnold &amp; Porter LLP, located at 777 South Figueroa Street, 44th Floor, Los Angeles, California 90017, or remotely via the electronic or other exchange of documents and signature pages, at 9:00 a.m. Pacific Time on the second Business Day
        after the satisfaction or, if permissible, waiver of the conditions set forth in Section<a href="#z_Ref53247642"> <font style="color: rgb(0, 0, 0);">1.2(c)</font></a> (other than those which by their nature are to be satisfied at Closing, but
        subject to the satisfaction or waiver of such conditions), or at such other place or such other date as may be agreed to by the Parties (the &#8220;<font style="font-weight: bold;"><u>Closing Date</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing Deliverables</u></font>.&#160; Subject to the satisfaction or permitted waiver of the conditions to the Closing set forth in Section 1.2(c), at
        the Closing the Parties shall make the following deliveries:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Company shall deliver to the Investor one or more certificates evidencing the Shares registered in the name of the Investor (or if the Shares are to be uncertificated, the Company
        shall deliver appropriate evidence of such registration of the Shares in the name of the Investor);</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; the Company shall deliver to the Investor a schedule setting forth the aggregate number of shares of each class of Capital Stock outstanding immediately after giving effect to the
        Merger Transactions, the Concurrent Other Transactions and the transactions contemplated hereby; and</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the Investor shall deliver the Purchase Price by wire transfer of immediately available funds to the account specified by the Company for this purpose by notice to the Investor prior
        to the Closing.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref53247642"></a>(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Closing Conditions</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligations of the Investor, on the one hand, and the Company, on the other hand, to consummate the purchase and sale of the Shares provided for in this Agreement are each subject
        to the satisfaction or, to the extent permitted by Law and this Agreement, the waiver by the Company or the Investor, as applicable, of the following conditions to the Closing under this Agreement:</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;All Governmental Consents required to have been obtained at or prior to the Closing Date in connection with the execution, delivery or performance of this Agreement and the
        consummation of the transactions contemplated hereby shall have been obtained and shall be in full force and effect.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Merger Transactions shall have been consummated in accordance with the Merger Agreement, including the approval of the Merger Agreement by the stockholders of each of the Company
        and CFB;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;If required under applicable Law or the rules and regulations of the Nasdaq Stock Market, the approval by stockholders of the Company of resolutions providing for the Company&#8217;s
        issuance of the maximum number of shares of Common Stock to be issued under this Agreement and in the Concurrent Other Transactions in accordance with this Agreement, the definitive documentation relating to the Concurrent Other Transactions, and
        applicable Law and the rules and regulations of the Nasdaq Stock Market (such approval being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Stockholder Approval</u></font>&#8221;) shall have been obtained;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Approval by the stockholders of the Company to increase in the authorized number of shares of Voting Common Stock (which will become Class A Common Stock upon completion of the
        Merger) from 50,000,000 shares to 75,000,000 shares, to be effected by the filing of an amended and restated certificate of incorporation of the Company (the &#8220;<font style="font-weight: bold;"><u>Authorized Shares Increase Approval</u></font>&#8221;),<font style="font-weight: bold;">&#160;</font>shall have been obtained.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The obligation of the Investor to consummate the purchase of Shares provided for in this Agreement is also subject to the satisfaction or waiver by the Investor of the following
        conditions to the Closing:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(i) The Company Specified Representations shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on and as
        of the Closing Date and (ii) the other representations and warranties of the Company set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on
        and as of the Closing Date, except, in the case of this clause (ii) only, to the extent that the failure to be true and correct (without regard to any materiality or Material Adverse Effect qualifications contained therein), would not reasonably be
        expected to have, individually or in the aggregate, a Material Adverse Effect and except, in the case of clauses (i) and (ii), that representations and warranties made as of a specified date shall be true and correct as of such date;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior to
        the Closing Date;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Investor shall have received a certificate, dated as of the Closing Date, signed on behalf of the Company by a senior executive officer certifying to the effect that the
        conditions set forth in Section 1.2(c)(ii)(A), Section 1.2(c)(ii)(B) and Section 1.2(c)(ii)(D) have been satisfied on and as of the Closing Date; and</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Since the date of this Agreement, no Material Adverse Effect shall have occurred and no change or other event shall have occurred that would reasonably be expected to have,
        individually or in the aggregate, a Material Adverse Effect;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Company to consummate the sale of the Shares provided for in this Agreement is also subject to the satisfaction or written waiver by the Company of the following
        conditions to the Closing:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The representations and warranties of the Investor set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the
        Closing Date as though made on and as of the Closing Date, except to the extent that the failure to be true and correct (without regard to any materiality qualifications contained therein) would not materially adversely affect the ability of the
        Investor to perform its obligations hereunder and except that (1) representations and warranties made as of a specified date shall be true and correct as of such date and (2) the representations and warranties of the Investor set forth in Sections
        2.3(d) and 2.3(f) shall be true and correct in all respects;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Investor shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior to
        the Closing Date; and</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company shall have received a certificate, dated as of the Closing Date, signed by the Investor certifying to the effect that the conditions set forth in Section 1.2(c)(iii)(A) and
        Section 1.2(c)(iii)(B) have been satisfied on and as of the Closing Date.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 2.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655906"></a><a name="z_Toc55380681"></a><a name="z_Toc56510577"></a><a name="z_Toc63868751"></a>REPRESENTATIONS AND WARRANTIES</div>
      <div style="text-indent: 36pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655907"></a><a name="z_Toc55380682"></a><a name="z_Toc56510578"></a><a name="z_Toc63868752"></a><font style="font-weight: bold;">&#160;2.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Certain Terms.</u></font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Material Adverse Effect</u></font>&#8221; means any circumstance, event, change, development or effect that,
        individually or in the aggregate, would reasonably be expected to (i) result in a material adverse effect on the assets, liabilities, business, financial condition or results of operations of the Company and the Company Subsidiaries, taken as a
        whole, or (ii) materially impair or delay the ability of the Company or any of the Company Subsidiaries to perform its or their obligations under this Agreement to consummate the Closing or any of the transactions contemplated hereby; provided,
        however, that in determining whether a Material Adverse Effect has occurred under clause (i), there shall be excluded any circumstance, event, change, development or effect to the extent resulting from (A) actions or omissions of the Company or any
        Company Subsidiary expressly required or contemplated by the terms of this Agreement, (B) changes after the date hereof in general economic conditions in the United States, including financial market volatility or downturns, or in the markets in
        which the Company and the Company Subsidiaries operate, (C) changes after the date hereof affecting the banking industry generally, (D) any changes after the date hereof in applicable Laws or accounting rules or principles, including changes in
        GAAP, (E) changes in the market price or trading volume of the Common Stock or the Company&#8217;s other outstanding securities (but not the underlying causes of such changes), (F) any epidemic, pandemic or disease outbreak (including the Covid-19 virus)
        including any worsening of such conditions; or (G) any failure by the Company or any of the Company Subsidiaries to meet any internal projections or forecasts with regard to the assets, liabilities, business, financial condition or results of
        operations of the Company and the Company Subsidiaries, taken as a whole (but not the underlying causes of such failure), in each case to the extent that such circumstance, event, change, development or effect referred to in clauses (B), (C) and
        (D) do not have a disproportionate effect on the Company and the Company Subsidiaries compared to other participants in the industries or markets in which the Company and the Company Subsidiaries operate.</div>
      <div>&#160;</div>
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        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Previously Disclosed</u></font>&#8221; (i) with regard to any Party, means information set forth in its Disclosure
        Schedule under Section references corresponding with the provision of this Agreement to which such information relates (including, in the case of the Company, information identified in the Company&#8217;s Disclosure Schedule); provided, however, that if
        such information is disclosed in such a way as to make its relevance or applicability to another provision of this Agreement reasonably apparent on its face, such information shall be deemed to be responsive to such other provision of this
        Agreement and (ii) with regard to the Company, includes information publicly disclosed by the Company in any reports, schedules, forms, statements and other documents filed or furnished by the Company under the Securities Act and the Exchange Act
        with the Securities and Exchange Commission (the &#8220;<font style="font-weight: bold;"><u>SEC</u></font>&#8221;), including pursuant to Section 13(a) or 15(d) thereof, since December 31, 2017, in each case available prior to the date of this Agreement
        (excluding any risk factor disclosures contained in such documents under the heading &#8220;Risk Factors&#8221; and any disclosure of risks included in any &#8220;forward-looking statements&#8221; disclaimer or other statements that are similarly non-specific and are
        predictive or forward-looking in nature). Notwithstanding anything in this Agreement to the contrary, the mere inclusion of an item in a Disclosure Schedule shall not be deemed an admission that such item represents a material exception or material
        fact, event or circumstance or that such item has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655908"></a><a name="z_Toc55380683"></a><a name="z_Toc56510579"></a><a name="z_Toc63868753"></a><font style="font-weight: bold;">&#160;2.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations




            and Warranties of the Company</u></font>&#160;&#160;&#160;&#160;&#160; Except as Previously Disclosed, the Company hereby represents and warrants to the Investor, as of the date of this Agreement and as of the Closing Date (except for the representations and warranties
        that are as of a specific date, which are made as of that date) that:</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">5</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; Each of the Company and the Company Subsidiaries is a corporation or other entity duly organized and validly
        existing under the laws of the jurisdiction of its incorporation or organization. Each of the Company and the Company Subsidiaries is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of
        property or the conduct of its business requires it to be so qualified, except where any failure to be so qualified would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.&#160; Each of the Company and the
        Company Subsidiaries has the corporate or other organizational power and authority to own its properties and assets and to carry on its business as it is now being conducted.&#160; The Company has Previously Disclosed correct and complete copies of the
        certificate of incorporation and bylaws (or similar governing documents) as amended through the date of this Agreement for the Company and Broadway Federal Bank, f.s.b. (the &#8220;<font style="font-weight: bold;"><u>Bank</u></font>&#8221;).&#160; The Company is
        duly registered with the Board of Governors of the Federal Reserve System (the &#8220;<font style="font-weight: bold;"><u>Federal Reserve</u></font>&#8221;) as a savings and loan holding company under the Savings and Loan Holding Company Act, as amended, 12
        U.S.C. 1467a (the &#8220;<font style="font-weight: bold;"><u>SLHCA Act</u></font>&#8221;).&#160; As of the date hereof, the Company is a certified &#8220;community development financial institution&#8221; designated as such under the Community Development Banking and Financial
        Institutions Act of 1994, as amended (12 U.S.C. Sections 5311 et seq.) and its implementing regulations, as applicable (a &#8220;<font style="font-weight: bold;">CDFI</font>&#8221;).&#160; Following the consummation of the Bank Merger, the Surviving Bank will apply
        to be designated as a CDFI.</div>
      <div style="text-indent: 72pt;"><br>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Company Subsidiaries</u></font>.&#160; As of the date of this Agreement, the Company has Previously Disclosed a true, complete and correct list of each
        entity in which the Company, directly or indirectly, owns sufficient capital stock or holds a sufficient equity or similar interest such that it is consolidated with the Company in the financial statements of the Company or has the power to elect a
        majority of the board of directors or other persons performing similar functions (each, a &#8220;<font style="font-weight: bold;"><u>Company Subsidiary</u></font>&#8221; and, collectively, the &#8220;<font style="font-weight: bold;"><u>Company Subsidiaries</u></font>&#8221;).&#160;


        Except for the Company Subsidiaries and as Previously Disclosed, the Company does not own beneficially or control, directly or indirectly, more than 5% of any class of equity securities or similar interests of any corporation, bank, business trust,
        association or similar organization, and is not, directly or indirectly, a partner in any general partnership or party to any joint venture or similar arrangement.&#160; The Company owns, directly or indirectly, all of its interests in each Company
        Subsidiary free and clear of any and all Liens.&#160; No equity security of any Company Subsidiary is or may be required to be issued by reason of any option, warrant, scrip, preemptive right, right to subscribe to, gross-up right, call or commitment of
        any character whatsoever relating to, or security or right convertible into, shares of any capital stock or other interest of such Company Subsidiary, and there are no contracts, commitments, understandings or arrangements by which any Company
        Subsidiary is bound to issue additional shares of its capital stock or other interest, or any option, warrant or right to purchase or acquire any additional shares of its capital stock.&#160; The deposit accounts of the Bank are insured by the Federal
        Deposit Insurance Corporation (&#8220;<font style="font-weight: bold;"><u>FDIC</u></font>&#8221;) to the fullest extent permitted by the Federal Deposit Insurance Act, as amended, and the rules and regulations of the FDIC thereunder, and all premiums and
        assessments required to be paid in connection therewith have been paid when due (after giving effect to any applicable extensions). The Company beneficially owns all of the outstanding capital securities of, and has sole control of, the Bank.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Capitalization</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as set forth on the Disclosure Schedule, as of the date hereof, the authorized Capital Stock of the Company consists of 50,000,000 shares of Voting Common Stock, par value $0.01
        per share (&#8220;<font style="font-weight: bold;"><u>Voting Common Stock</u></font>&#8221;), 25,000,000 shares of Non-Voting Common Stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Non-Voting Common Stock</u></font>&#8221;), and 1,000,000 shares of
        preferred stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Preferred Stock</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">6</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, before giving effect to the transaction provided for herein, the Merger Transactions and the Concurrent Other Transactions the Company has issued and
        outstanding: (i) 19,281,758 of shares of Voting Common Stock, including 556,169 shares of Voting Common Stock granted in respect of outstanding restricted stock awards, (ii) 1,637,902 shares of Voting Common Stock held by the trust for the Broadway
        Federal Bank, f.s.b. Employee Stock Ownership Plan, and (iii) 8,756,396 shares of Non-Voting Common Stock.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, other than in respect of awards outstanding under or issuable pursuant to the Company&#8217;s 2008 Long-Term Incentive Plan (the &#8220;<font style="font-weight: bold;"><u>Company




            Stock Plan</u></font>&#8221;) consisting of options to purchase an aggregate of 450,000 shares of common stock, and except in connection with this Agreement and the transactions contemplated hereby, the Merger Agreement and the Concurrent Other
        Transactions, the Company has not (A) agreed to issue or authorized the issuance after the date hereof of any shares of Common Stock or Preferred Stock, or any securities convertible into or exchangeable or exercisable for shares of Common Stock or
        Preferred Stock, (B) reserved for issuance any shares of Capital Stock of the Company or (C) repurchased or redeemed, or agreed to or authorized the repurchase or redemption of, any shares of Capital Stock of the Company.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; All of the issued and outstanding shares of Capital Stock of the Company have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights,
        except for the preemptive rights granted to certain institutional stockholders of the Company identified on Schedule 2.2(c)(iv) of the Company&#8217;s Disclosure Schedule.&#160; None of the outstanding shares of Capital Stock or other securities of the
        Company or any of the Company Subsidiaries was issued, sold or offered by the Company or any Company Subsidiary in violation of the Securities Act of 1933, as amended (the &#8220;<font style="font-weight: bold;"><u>Securities Act</u></font>&#8221;) or the
        securities or blue sky laws of any state or jurisdiction, or in violation of any agreement, arrangement or commitment to which the Company was or is a party or subject, or in violation of any preemptive or similar rights of any Person.&#160; No bonds,
        debentures, notes or other indebtedness having the right to vote on any matters on which the stockholders of the Company may vote (&#8220;<font style="font-weight: bold;"><u>Voting Debt</u></font>&#8221;) are issued and outstanding.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date of this Agreement, except for the outstanding awards under the Company Stock Plan, the Company does not have and is not bound by any outstanding subscriptions, options,
        warrants, calls, commitments or agreements of any character calling for the purchase or issuance of, or securities or rights convertible into or exchangeable or exercisable for, any shares of Capital Stock or Voting Debt of the Company.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company has the corporate power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The Board of Directors has approved the transactions
        contemplated by this Agreement.&#160; This Agreement has been duly and validly executed and delivered by the Company and, assuming due authorization, execution and delivery by the Investor, is the valid and binding obligation of the Company enforceable
        against the Company in accordance with its terms, except as enforcement may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting
        creditors&#8217; rights or by general equity principles (whether applied in equity or at law).</div>
      <div style="text-align: justify;"> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">7</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution and delivery by the Company of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Company with any of the
        provisions hereof, will, with or without the passage of time and giving of notice, (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would
        constitute a default) under, or result in the termination of, or result in the loss of any benefit or creation of any right on the part of any third party under, or accelerate the performance required by, or result in a right of termination or
        acceleration of, or result in the creation of any liens, charges, adverse rights or claims, pledges, covenants, title defects, security interests or other encumbrances of any kind (&#8220;<font style="font-weight: bold;"><u>Liens</u></font>&#8221;) upon any of
        the properties or assets of the Company or any Company Subsidiary, under any of the terms, conditions or provisions of (1) the certificate of incorporation or bylaws (or similar governing documents) of the Company and each Company Subsidiary or (2)
        any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Company or any of the Company Subsidiaries is a party or by which it may be bound, or to which the Company or any of the
        Company Subsidiaries, or any of the properties or assets of the Company or any of the Company Subsidiaries may be subject, or (B) violate any Law applicable to the Company or any of the Company Subsidiaries or any of their respective properties or
        assets except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
        delivery of this Agreement or for the sale by the Company of Common Stock to the Investor pursuant to this Agreement.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Litigation and Other Proceedings</u></font>.&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material
        Adverse Effect, or as would not reasonably be expected to adversely impact the reputation of the Company, the Company Subsidiaries or their respective investors in any material respect, there is no pending or, to the Knowledge of the Company,
        threatened claim, action, suit, arbitration, complaint, charge or investigation or proceeding (each an &#8220;<font style="font-weight: bold;"><u>Action</u></font>&#8221;) against the Company or any Company Subsidiary or any of their respective assets, rights
        or properties, nor is the Company or any Company Subsidiary a party or named as subject to the provisions of any order, writ, injunction, settlement, judgment or decree of any court, arbitrator or government agency, or instrumentality.&#160; There has
        not been, and to the Knowledge of the Company, there is not pending or contemplated, any investigation or other Action by the SEC involving the Company or any current or former director or officer of the Company in his or her capacity as such.</div>
      <div><br>
      </div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">8</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Financial Statements</u></font>.&#160; The audited consolidated balance sheets of the Company and the Company Subsidiaries and the related consolidated
        statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s Annual Report on Form 10-K filed with the SEC for the year ended December 31, 2019 and the unaudited consolidated
        balance sheets of the Company and the Company Subsidiaries and the related unaudited consolidated statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s quarterly reports
        on Form 10-Q filed with the SEC for the quarterly period ending September 30, 2020 (the &#8220;<font style="font-weight: bold;"><u>Company Financial Statements</u></font>&#8221;) (i) have been prepared from, and are in accordance with, the books and records of
        the Company and the Company Subsidiaries, (ii) complied, as of the date of such filing, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, (iii) have been
        prepared in accordance with GAAP applied on a consistent basis and (iv) present fairly in all material respects the consolidated financial position of the Company and the Company Subsidiaries at the dates and the consolidated results of operations,
        changes in stockholders&#8217; equity and cash flows of the Company and the Company Subsidiaries for the periods stated therein.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Reports</u></font>.&#160; Since December 31, 2017, the Company and each Company Subsidiary have filed all material reports, registrations, documents,
        filings, statements and submissions, together with any required amendments thereto, that they were required to file with any Governmental Entity, including all those required under the Exchange Act, including pursuant to Section 13(a) or 15(d)
        thereof (the foregoing, collectively, being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Company Reports</u></font>&#8221;) and have paid all material fees and assessments due and payable in connection therewith.&#160; As of their respective
        filing dates, or as subsequently amended prior to the date hereof, the Company Reports complied in all material respects with all statutes and applicable rules and regulations of the applicable Governmental Entities.&#160; As of the date of this
        Agreement, there are no outstanding comments from the SEC or any other Governmental Entity with respect to any Company Report that were the subject of written correspondence that have not been resolved.&#160; The Company Reports, including the documents
        incorporated by reference in each of them, each contained all the information required to be included in it and, when it was filed and, as of the date of each such Company Report filed with the SEC, or if amended prior to the date of this
        Agreement, as of the date of such amendment, did not contain an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made in it, in light of the circumstances under which they were made, not
        misleading and complied as to form in all material respects with the applicable requirements of the Securities Act and the Securities Exchange Act of 1934, as amended (the &#8220;<font style="font-weight: bold;"><u>Exchange Act</u></font>&#8221;).&#160; No
        executive officer of the Company has failed in any respect to make the certifications required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act of 2002.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">9</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Internal Accounting and Disclosure Controls</u></font>.&#160; The records, systems, controls, data and information of the Company and the Company
        Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of the Company or the
        Company Subsidiaries (including all means of access thereto and therefrom) or reputable banking industry service providers, except for any non-exclusive ownership and non-direct control that would not reasonably be expected to have an adverse
        effect on the system of internal accounting controls described below in this Section 2.2(i).&#160; The Company (i) has implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) intended to ensure
        that material information relating to the Company, including its consolidated Subsidiaries, is made known to the chief executive officer and the chief financial officer of the Company by others within those entities, and (ii) has disclosed, based
        on its most recent evaluation prior to the date of this Agreement, to the Company&#8217;s outside auditors and the audit committee of the Board of Directors (A) any significant deficiencies and material weaknesses in the design or operation of internal
        control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) that are reasonably likely to adversely affect the Company&#8217;s ability to record, process, summarize and report financial information, and (B) any fraud, whether or
        not material, that involves management or other employees who have a significant role in the Company&#8217;s internal controls over financial reporting.&#160; As of the date of this Agreement, the Company has no Knowledge of any reason that its outside
        auditors and its chief executive and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act of 2002, without
        qualification, when due.&#160; Since December 31, 2017, neither the Company nor any Company Subsidiary nor, to the Knowledge of the Company, any director, officer, employee, auditor, accountant or representative of the Company or any Company Subsidiary
        has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods of the Company or any
        Company Subsidiary or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that the Company or any Company Subsidiary has engaged in questionable accounting or auditing practices.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref_ContractCompanion_9kb9Ur04C"></a>(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Data Privacy</u>.<u><br>
          </u></font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries have taken commercially reasonable steps consistent with customary industry practices to protect the
        confidentiality, integrity, availability and security of the computers, servers, workstations, routers, hubs, switches, circuits, networks and other information technology equipment owned or controlled by them or by any third party and material to
        the Company and the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company IT Assets</u></font>&#8221;) (and all information and transactions stored or contained therein or transmitted thereby) against any unauthorized use, access,
        interruption, modification or corruption, and there has been no unauthorized use, access, interruption, modification or corruption of the Company IT Assets.</div>
      <div>&#160;</div>
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        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">10</font></div>
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      <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; In connection with their receipt, purchase, collection, securing, safeguarding, storage, transfer (including any transfer across national
        borders), disclosure, destruction/disposal, and/or use or other processing of any Personal Information, each of the Company and the Company Subsidiaries, is and has been, in material compliance with all Privacy Laws, their respective privacy
        policies and the requirements of any contract or codes of conduct to which any of the Company or the Company Subsidiaries is a party.&#160; The privacy policies of the Company are customary for the industry in which the Company operates.&#160; The Company
        and the Company Subsidiaries have commercially reasonable and appropriate physical, technical, organizational, and administrative security measures and policies in place designed to protect all Personal Information collected by them or on their
        behalf from and against unauthorized access, use, interruption, modification, corruption, and/or disclosure.&#160; The Company and the Company Subsidiaries have binding written agreements obligating (in accordance with and as required by Privacy Laws
        (as applicable)) all third parties collecting, accessing, receiving, storing or processing Personal Information on behalf of the Company and the Company Subsidiaries to (i) comply with all applicable Privacy Laws, (ii) take commercially reasonable
        and appropriate steps to protect and secure such Personal Information from and against unauthorized access, use interruption, modification, corruption, and/or disclosure which are no less stringent than those applied by the Company and the Company
        Subsidiaries and (iii) promptly notify the Company and the Company Subsidiaries of any unauthorized access, use interruption, modification, corruption, and/or disclosure of Personal Information or Company IT Assets processing Personal Information.&#160;
        The Company and the Company Subsidiaries are, and since December 31, 2017, have been, in compliance in all material respects with all Privacy Laws and any other applicable Laws in all relevant jurisdictions relating to data loss, theft and breach
        of security notification obligations.&#160; Since December 31, 2017, none of the Company or any of the Company Subsidiaries has experienced a material breach of its information technology systems or a data loss or theft as defined by the Laws in all
        relevant jurisdictions.&#160; None of the Company or any of the Company Subsidiaries has been charged with, or received any notice of any claims of, the violation in any material respect of any Privacy Laws or any of their respective privacy policies.&#160;
        The consummation of the transactions contemplated hereby will not breach or otherwise cause any violation of any Privacy Law.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; For the purposes of this <u>Section <font style="color: rgb(0, 0, 0);">2.2(j):</font></u></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(1)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#8220;<u>Personal Information</u>&#8221; means, in addition to any definition provided by applicable law or by the Company and the Company Subsidiaries
        in any of their respective privacy policies, contracts, or other public-facing statements for any similar term (<font style="font-style: italic;">e.g.</font>, &#8220;personally identifiable information&#8221; or &#8220;PII&#8221;), all information identifying, regarding
        or capable of being associated with an individual person or device.&#160; Personal Information may relate to any individual, including a current, prospective or former client (or a client&#8217;s customer or end user) or employee of any Person, and includes
        information in any form, including paper, electronic and other forms.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(2)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#8220;<u>Privacy Laws</u>&#8221; means all applicable laws, legal requirements, and self-regulatory guidelines and principles relating to privacy, data
        security, and Personal Information and similar applicable consumer protection laws, including with respect to the receipt, collection, compilation, use, storage, processing, sharing, safeguarding, security, disposal, destruction, disclosure or
        transfer of Personal Information and any and all applicable laws governing breach notification in connection with Personal Information.&#160; As used in this Agreement, &#8220;Privacy Laws&#8221; shall include the California Consumer Privacy Act, General Data
        Protection Regulation and the rules and regulations promulgated thereunder, and applicable state laws.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>No Undisclosed Liabilities</u></font>.&#160; There are no liabilities of the Company or any of the Company Subsidiaries of any kind whatsoever, whether
        accrued, contingent, absolute, determined, determinable or otherwise, except for (i) liabilities adequately reflected or reserved against in accordance with GAAP in the Company&#8217;s audited balance sheet as of December 31, 2019 and (ii) liabilities
        that have arisen in the ordinary and usual course of business and consistent with past practice since December 31, 2019 and that have not or would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
      <div>&#160;</div>
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        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">11</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Mortgage Lending</u></font>.&#160; The Company and each of the Company Subsidiaries have complied in all material respects with, and all documentation
        in connection with the origination, processing, underwriting and credit approval of any mortgage loan originated, purchased or serviced by the Company or any Company Subsidiary has satisfied, in all material respects (i) all Laws with respect to
        the origination, insuring, purchase, sale, servicing, or filing of claims in connection with mortgage loans, including all Laws relating to real estate settlement procedures, consumer credit protection, truth in lending laws, usury limitations,
        fair housing, transfers of servicing, collection practices, equal credit opportunity and adjustable rate mortgages, (ii) the responsibilities and obligations relating to mortgage loans set forth in any agreement between the Company and any Agency,
        Loan Investor or Insurer, (iii) the applicable rules, regulations, guidelines, handbooks and other requirements of any Agency, Loan Investor or Insurer and (iv) the terms and provisions of any mortgage or other collateral documents and other loan
        documents with respect to each mortgage loan.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Bank Secrecy Act; Anti-Money Laundering; OFAC; and Customer Information</u></font>.&#160; The Company is not aware of, has not been advised of, and, to
        the Knowledge of the Company, has no reason to believe that any facts or circumstances exist that would cause it or any Company Subsidiary to be deemed to be not operating in compliance, in all material respects, with the Bank Secrecy Act of 1970,
        as amended, the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (also known as the USA PATRIOT Act), any order or regulation issued by the Treasury&#8217;s Office of Foreign Assets
        Control (&#8220;<font style="font-weight: bold;"><u>OFAC</u></font>&#8221;), or any other applicable anti-money laundering or anti-terrorist-financing statute, rule or regulation.&#160; The Company is not aware of any facts or circumstances that would cause it to
        believe that any nonpublic customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause it to undertake any material remedial action.&#160; The Company and each of the Company Subsidiaries have
        adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with the USA PATRIOT Act and such anti-money laundering program meets the requirements in
        all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and they have complied in all respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the
        regulations thereunder.&#160; The Company will not directly or indirectly use the proceeds of the sale of the Common Stock pursuant to transactions contemplated by this Agreement, or lend, contribute or otherwise make available such proceeds to any
        Company Subsidiary, joint venture partner or other Person, towards any sales or operations in any country appearing on the OFAC Specially Designated Nationals List (&#8220;<font style="font-weight: bold;"><u>SDN List</u></font>&#8221;) or for the purpose of
        financing the activities of any Person currently appearing on the SDN List.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">12</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Certain Payments</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries, nor any directors or officers of the Company, nor to the
        Knowledge of the Company, employees or any Affiliates of the Company or the Company Subsidiaries or any other Person who to the Knowledge of the Company is associated with or acting on behalf of the Company or any of the Company Subsidiaries has
        directly or indirectly (i) made any contribution, gift, bribe, rebate, payoff, influence payment, kickback, or other payment in material violation of any Law, including the U.S. Foreign Corrupt Practices Act of 1977, as amended, and any applicable
        anti-bribery or anti-corruption laws, to any Person, private or public, regardless of form, whether in money, property, or services (A) to obtain favorable treatment in securing business for the Company or any of the Company Subsidiaries, (B) to
        pay for favorable treatment for business secured by the Company or any of the Company Subsidiaries, or (C) to obtain special concessions or for special concessions already obtained, for or in respect of the Company or any of the Company
        Subsidiaries or (ii) established or maintained any fund or asset with respect to the Company or any of the Company Subsidiaries that was required by Law or GAAP to have been recorded and was not recorded in the books and records of the Company or
        any of the Company Subsidiaries.&#160; <font style="color: rgb(0, 0, 0);">Neither the Company nor any Company Subsidiaries has conducted any internal investigation, made any voluntary, directed, or involuntary disclosure to any Governmental Entity, or
          received any audit report, written communication from a Governmental Entity, or whistleblower or other written complaint, involving alleged violations in any material respect of </font>the U.S. Foreign Corrupt Practices Act of 1977, as amended,
        and any applicable anti-bribery or anti-corruption laws <font style="color: rgb(0, 0, 0);">on the part of the Company, any of the Company Subsidiaries, or any Person acting on behalf of the Company or any of the Company Subsidiaries.</font></div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Absence of Certain Changes</u></font>.&#160; Since December 31, 2019 and except as Previously Disclosed or as required or contemplated by the terms of
        this Agreement, (i) the Company and the Company Subsidiaries have conducted their respective businesses in all material respects in the ordinary and usual course of business consistent with past practices, (ii) through (and including) the date of
        this Agreement, no fact, event, change, condition, development, circumstance or effect has occurred that has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and (iii) no material default (or
        event which, with notice or lapse of time, or both, would constitute a material default) exists on the part of the Company or any Company Subsidiary in the due performance and observance of any term, covenant or condition of any agreement to which
        the Company or any Company Subsidiary is a party and which would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Compliance with Laws</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company, each Company Subsidiary and each of their officers, agents, representatives and employees possesses, holds and have all material permits, licenses, franchises,
        authorizations, orders, consents, registrations, accreditations and approvals of, and have made all filings, applications and registrations with, Governmental Entities that are required in order to permit the Company and each Company Subsidiary to
        own or lease their properties and assets and to carry on their business as presently conducted and that are material to the business of the Company and each Company Subsidiary (collectively, the &#8220;<font style="font-weight: bold;"><u>Governmental
            Authorizations</u></font>&#8221;).&#160; The Company and the Company Subsidiaries, and to the Company&#8217;s Knowledge, their respective officers, agents, representatives and employees, are not in default under any of such Governmental Authorizations, which
        default(s) would be, or be reasonably expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; The Company and each Company Subsidiary have complied with and (A) are not, and since
        December 31, 2017, have not been, in default or violation in any respect of, (B) are not under investigation with respect to, and (C) have not been threatened to be charged with or given notice of any material violation of, any applicable material
        domestic (federal, state or local) or foreign law, statute, ordinance, license, rule, regulation, policy or guideline, order, demand, writ, injunction, decree or judgment of any Governmental Entity (each, a &#8220;<font style="font-weight: bold;"><u>Law</u></font>&#8221;),





        other than such noncompliance, defaults or violations as would not reasonably be expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; No Governmental Entity has placed any
        material restriction on the business or properties of the Company or any of the Company Subsidiaries.&#160; As of the date hereof, the Bank has a Community Reinvestment Act rating of &#8220;outstanding.&#8221;</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">13</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except for normal examinations conducted by a Governmental Entity in the ordinary course of business of the Company and the Company Subsidiaries, (A) no Governmental Entity has
        initiated or has pending any proceeding or, to the Knowledge of the Company, investigation into the business or operations of the Company or any of the Company Subsidiaries since December 31, 2017, (B) there is no unresolved violation or exception
        by any Governmental Entity with respect to any report or statement relating to any examinations or inspections of the Company or any of the Company Subsidiaries, and (C) there have been no formal or informal inquiries by, or disagreements or
        disputes with, any Governmental Entity with respect to the business, operations, policies or procedures of the Company or any of the Company Subsidiaries since December 31, 2017, in each case of clauses (A) through (C), which would reasonably be
        expected, individually or in the aggregate, to be material to the Company and the Company Subsidiaries (taken as a whole).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries are not, and since December 31, 2017, have not been, in violation or default of any provisions of their respective certification of
        incorporation or bylaws (or similar governing documents).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Adequate Capitalization</u></font>.&#160; As of September 30, 2020, the Bank met or exceeded the standards necessary to be considered &#8220;adequately
        capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.&#160; As of the Closing and after giving effect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions, the Bank meets or exceeds the
        standards necessary to be considered &#8220;adequately capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Agreements with Regulatory Agencies</u></font>.&#160; The Company and the Company Subsidiaries (A) are not subject to any cease-and-desist or other
        similar order or enforcement action issued by, (B) are not a party to any written agreement, consent agreement or memorandum of understanding with, (C) are not a party to any commitment letter or similar undertaking to, and (D) are not subject to
        any capital directive by, and since December 31, 2019, neither the Company nor any of the Company Subsidiaries has adopted any board resolutions at the request of any Governmental Entity that currently restricts in any material respect the conduct
        of its business or that in any material manner relates to its capital adequacy, its liquidity and funding policies and practices, its ability to pay dividends, its credit, risk management or compliance policies, its internal controls, its
        management or its operations or business, nor has the Company nor any of the Company Subsidiaries been advised since December 31, 2019 by any Governmental Entity that it is considering issuing, initiating, ordering, or requesting any of the same.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">14</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Insurance</u></font>.&#160; The Company and each of the Company Subsidiaries are presently insured, and have been insured for at least the past two
        years, for reasonable amounts with financially sound and reputable insurance companies against such risks as companies engaged in a similar business would, in accordance with good business practice, customarily be insured.&#160; All of the policies,
        bonds and other arrangements providing for the foregoing (the &#8220;<font style="font-weight: bold;"><u>Company Insurance Policies</u></font>&#8221;) are in full force and effect, the premiums due and payable thereon have been or will be timely paid through
        the Closing Date, and there is no material breach or default (and no condition exists or event has occurred that, with the giving of notice or lapse of time or both, would constitute such a material breach or default) by the Company or any of the
        Company Subsidiaries under any of the Company Insurance Policies or, to the Knowledge of the Company, by any other party to the Company Insurance Policies.&#160; Neither the Company nor any of the Company Subsidiaries has received any written notice of
        cancellation or non-renewal of any Company Insurance Policy nor, to the Knowledge of the Company, is the termination of any such policies threatened in writing by the insurer, and there is no material claim for coverage by the Company, or any of
        the Company Subsidiaries, pending under any of such Company Insurance Policies as to which coverage has been denied or disputed by the underwriters of such Company Insurance Policies or in respect of which such underwriters have reserved their
        rights.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Title</u></font>.&#160; The Company and the Company Subsidiaries have good and marketable title in fee simple to all real property owned by them and
        good and valid title to all material personal property owned by them, in each case free and clear of all Liens, except for Liens which do not materially affect the value of such property or do not interfere with the use made and proposed to be made
        of such property by the Company or any Company Subsidiary.&#160; Any real property and facilities held under lease by the Company or the Company Subsidiaries are leased pursuant to valid, subsisting and enforceable leases with such exceptions that are
        not material and do not interfere with the use made and proposed to be made of such property and facilities by the Company or the Company Subsidiaries.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; color: rgb(0, 0, 0); font-size: 12pt; text-indent: 72pt;"><font style="font-size: 10pt;">(u)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Intellectual Property</u></font><font style="font-weight: bold;">.</font></font><font style="font-size: 10pt;">&#160; The Company and the Company Subsidiaries own or possess adequate rights or licenses to use all trademarks, service marks and all applications and registrations therefor,
          trade names, patents, patent rights, copyrights, original works of authorship, inventions, trade secrets and other intellectual property rights (collectively, &#8220;<font style="font-weight: bold;"><u>Intellectual Property Rights</u></font>&#8221;) used in
          their businesses as conducted on the date of this Agreement, except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.&#160; To the Knowledge of the Company, no product or service of the Company
          or the Company Subsidiaries infringes the Intellectual Property Rights of others.</font></div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">15</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Employee Benefits</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Section 2.2(v) of the Disclosure Schedule sets forth a correct and complete list of each &#8220;<u>employee benefit plan</u>&#8221; (within the meaning of Section 3(3) of the Employee Retirement
        Income Security Act of 1974, as amended (&#8220;<font style="font-weight: bold;"><u>ERISA</u></font>&#8221;), including, without limitation, multiemployer plans within the meaning of Section 3(37) of ERISA), and all stock purchase, stock option, severance,
        employment, change-in-control, fringe benefit, bonus, incentive, deferred compensation and all other employee benefit plans, agreements, programs, policies or other arrangements, whether or not subject to ERISA (including any funding mechanism
        therefor now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (A) any current or former employee or director of the Company or
        any of the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company Employees</u></font>&#8221;) has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or any of the Company
        Subsidiaries or (B) the Company or any Company Subsidiary has had or has any present or future liability. All such plans, agreements, programs, policies and arrangements are collectively referred herein to as the &#8220;<font style="font-weight: bold;"><u>Benefit




            Plans</u></font>.&#8221;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (A) Each Benefit Plan has been established and administered in all material respects in accordance with its terms, and in compliance with the applicable provisions of ERISA, the Code
        and other Laws&#894; (B) no &#8220;reportable event&#8221; (as such term is defined in Section 4043 of ERISA) that could reasonably be expected to result in material liability has occurred with respect to any Benefit Plan, and (C) no non-exempt &#8220;prohibited
        transaction&#8221; (as such term is defined in Section 406 of ERISA and Section 4975 of the Code) has been engaged in by the Company or any Company Subsidiary with respect to any Benefit Plan that has or is expected to result in any material liability or
        &#8220;accumulated funding deficiency&#8221; (as such term is defined in Section 302 of ERISA and Section 412 of the Code (whether or not waived)).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries will be in compliance, as of the Closing Date, with Sections 111 and 302 of the Emergency Economic Stabilization Act of 2008, as amended by the
        U.S. American Recovery and Reinvestment Act of 2009, including all guidance issued thereunder by a Governmental Entity (collectively &#8220;<font style="font-weight: bold;"><u>EESA</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; None of the Company or any Company Subsidiary or any trade or business, whether or not incorporated (an &#8220;<font style="font-weight: bold;"><u>ERISA Affiliate</u></font>&#8221;), all of which
        together with the Company or any Company Subsidiary would be deemed a &#8220;single employer&#8221; within the meaning of Section 4001 of ERISA, has, at any time during the last six years, contributed to or been obligated to contribute to any plan that is (i)
        subject to Title IV or Section 302 of ERISA or Section 412 or 4971 of the Code or (ii) a &#8220;multiemployer plan&#8221; within the meaning of Section 4001(a)(3) of ERISA (a &#8220;<font style="font-weight: bold;"><u>Multiemployer Plan</u></font>&#8221;) or a plan that
        has two or more contributing sponsors at least two of whom are not under common control, within the meaning of Section 4063 of ERISA; and none of Company and the Company Subsidiaries nor any of their respective ERISA Affiliates has incurred any
        liability to a Multiemployer Plan as a result of a complete or partial withdrawal from such Multiemployer Plan, as those terms are defined in Part I of Subtitle E of Title IV of ERISA.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the Company nor any Company Subsidiary has any material unfunded liabilities existing under or in connection with any Benefit Plan, and each such Benefit Plan has been
        established and administered in all respects in accordance with its terms, and in compliance with applicable law, except where failure to be in compliance would not reasonably be expected to result in, individually or in the aggregate, a Material
        Adverse Effect.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">16</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 108pt;">(vi)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution of this Agreement nor the consummation of the transactions contemplated hereby could (either alone or in conjunction with any other event) reasonably be expected
        to result in, cause the accelerated vesting, funding or delivery of, or increase the amount or value of, any payment or benefit to any employee, officer or director of the Company or any Company Subsidiary.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Taxes</u></font>.&#160; All material Tax Returns required to be filed by, or on behalf of, the Company or the Company Subsidiaries have been timely filed,
        or will be timely filed, in accordance with all Laws, and all such Tax Returns are, or will be at the time of filing, complete and correct in all material respects.&#160; The Company and the Company Subsidiaries have timely paid all material Taxes due
        and payable (whether or not shown on such Tax Returns), or, where payment is not yet due, have made adequate financial statement provisions therefor in accordance with GAAP.&#160; There are no Liens with respect to Taxes upon any of the assets or
        properties of either the Company or the Company Subsidiaries other than with respect to Taxes not yet due and payable.&#160; As of the date of this Agreement, there are not pending or threatened in writing, any audits, examinations, investigations or
        other proceedings initiated by the Internal Revenue Service in respect of U.S. federal income tax matters.&#160; None of the Company or any of the Company Subsidiaries has been a &#8220;controlled corporation&#8221; or a &#8220;distributing corporation&#8221; in any
        distribution occurring during the two-year period ending on the date hereof that was purported or intended to be governed by Section 355 of the Code (or any similar provision of state, local or foreign Law).&#160; The Company and each Company Subsidiary
        is, and has been since the date of its formation, a corporation for U.S. federal income tax purposes, and neither the Company nor any Company Subsidiary has elected pursuant to the Code to be treated as a Subchapter S corporation pursuant to
        Section 1362(a) of the Code, nor has it made any other elections pursuant to the Code (other than elections that relate solely to methods of accounting, depreciation or amortization) that would have, or be <font style="color: rgb(0, 0, 0);">reasonably
          expected to result in, </font>individually or in the aggregate, <font style="color: rgb(0, 0, 0);">a Material Adverse Effect.</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Labor</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Employees of the Company and the Company Subsidiaries are not represented by any labor union nor are any collective bargaining agreements otherwise in effect with respect to such
        employees.&#160; No labor organization or group of employees of the Company or any Company Subsidiary has made a pending demand for recognition or certification, and there are no representation or certification proceedings or petitions presently pending
        or threatened to be brought or filed with the National Labor Relations Board or any other labor relations tribunal or authority, nor have there been in the last three years.&#160; There are no strikes, work stoppages, slowdowns, labor picketing
        lockouts, material arbitrations or material grievances, or other material labor disputes pending or, to the Knowledge of the Company, threatened against or involving the Company or any Company Subsidiary, nor have there been any in the past year.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, the Company and the Company Subsidiaries are in compliance with all
        federal and state Laws and requirements respecting employment and employment practices, terms and conditions of employment, collective bargaining, disability, immigration, health and safety, wages, hours and benefits, non-discrimination in
        employment, workers&#8217; compensation and the collection and payment of withholding and/or payroll taxes and similar taxes.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">17</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
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      </div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160; There is no charge or complaint pending or threatened before any Governmental Entity alleging unlawful discrimination in employment practices, unfair labor practices or other unlawful
        employment practices by the Company or any Company Subsidiary.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160;&#160; To the Knowledge of the Company, since December 31, 2017, (i) no allegations of sexual harassment or misconduct have been made against (A) an officer of the Company or any of the
        Company Subsidiaries, (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000,
        and (ii) neither the Company nor any of the Company Subsidiaries has entered into any settlement agreements related to allegations of sexual harassment or misconduct by (A) an officer of the Company or any of the Company Subsidiaries, (B) a member
        of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Except as Previously Disclosed, neither the Company nor any of its officers, directors, employees or agents has
        employed any broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Company in connection with this Agreement or the
        transactions contemplated hereby, the fees of which would be payable by the Investor.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(z)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Offering of Securities</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;"><a name="z_Hlk61609564"></a>(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Neither the Company nor any Person acting on its behalf has taken any action (including any offering of any securities of the Company under circumstances
        which would require the integration of such offering with the offering of any of the Shares to be issued pursuant to this Agreement under the Securities Act and the rules and regulations of the SEC promulgated thereunder) which would subject the
        offering, issuance or sale of any of the Shares to be issued pursuant to this Agreement to be subject to the registration requirements of the Securities Act.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company is not disqualified from relying on Rule 506 of Regulation D (&#8220;<font style="font-weight: bold;">Rule 506</font>&#8221;) under the Securities Act for any of the reasons stated in
        Rule 506(d) (each such reason, a &#8220;<font style="font-weight: bold;">Disqualification Event</font>&#8221;) in connection with the issuance and sale of the Shares to the Investor.&#160; The Company has furnished the Investor, a reasonable time prior to the date
        hereof, a description in writing of any matters that would have triggered disqualification under Rule 506(d) but which occurred before September 23, 2013, in each case, in compliance with the disclosure requirements of Rule 506(e).</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">18</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(aa)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Affiliate Transactions</u></font>.&#160; No officer, director, five percent (5%) stockholder or other Affiliate of the Company (or any Company
        Subsidiary), or any individual who, to the Knowledge of the Company, is related by marriage or adoption to or shares the same home as any such Person, or any entity which, to the Knowledge of the Company, is controlled by any such Person
        (collectively, an &#8220;<font style="font-weight: bold;"><u>Insider</u></font>&#8221;), is a party to any contract or transaction with the Company (or any Company Subsidiary) which pertains to the business of the Company (or any Company Subsidiary) or has any
        interest in any property, real or personal or mixed, tangible or intangible, used in or pertaining to the business of the Company or any Company Subsidiary.&#160; The foregoing representation and warranty does not include deposit accounts of an Insider
        at the Company or any Company Subsidiary or loans of $250,000 or less made in the ordinary course of business to Insiders in compliance with Regulation O and other applicable Law.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(bb)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Private Placement</u></font>.&#160; <a name="z_Hlk61609623"></a>Assuming the accuracy of the Investor&#8217;s representations and warranties set forth in
        Section 2.3 of this Agreement, no registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.&#160; Assuming the Stockholder Approval is obtained (if required), the issuance and sale of the
        Shares hereunder does not contravene the rules and regulations of the Nasdaq Stock Market.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(cc)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Listing and Maintenance Requirements</u></font>.&#160; The Company&#8217;s Voting Common Stock is (and at the Closing, the Class A Common Stock will be)
        registered pursuant to Section 12(b) of the Exchange Act, and the Company has taken no action designed to terminate the registration of the Voting Common Stock under the Exchange Act nor has the Company received any notification that the SEC is
        contemplating terminating such registration.&#160; The Company has not, in the 12 months preceding the date hereof, received written notice from the Nasdaq Stock Market to the effect that the Company is not in compliance with the listing or maintenance
        requirements of the Nasdaq Stock Market.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(dd)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Investment Company</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries is required to be registered as, and is not an Affiliate of,
        and immediately following the Closing will not be required to register as, an &#8220;investment company&#8221; within the meaning of the Investment Company Act of 1940, as amended.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(ee)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Acknowledgment Regarding the Investor&#8217;s Purchase of Shares</u></font>.&#160; The Company acknowledges and agrees that the Investor is acting solely in
        the capacity of an arm&#8217;s length purchaser with respect to this Agreement and the transactions contemplated hereby.&#160; The Company further acknowledges that the Investor is not acting as a financial advisor or fiduciary of the Company (or in any
        similar capacity) with respect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions and any advice given by the Investor or any of its representatives or agents in connection with this Agreement, the
        transactions contemplated hereby and the Concurrent Other Transactions is merely incidental to Investor&#8217;s purchase of the Shares.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(ff)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No General Solicitation or General Advertising</u></font>.&#160; <a name="z_Hlk61609724"></a>Neither the Company nor any person acting on its behalf
        has engaged or will engage in any form of general solicitation or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(gg)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Shell Company Status</u></font>.&#160; The Company is not, and has never been, an issuer identified in Rule 144(i)(1) under the Securities Act.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">19</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(hh)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Valid Issuance of Shares</u></font><font style="font-weight: bold;">.</font>&#160; The Shares sold and delivered in accordance with the terms hereof for
        the consideration expressed herein will be duly and validly issued, fully paid and nonassessable and free of restrictions on transfer other than restrictions on transfer under applicable state and federal securities laws.&#160; Assuming the accuracy of
        the representations and warranties of the Investor set forth in Section 2.3, the Shares will be issued in compliance with all applicable federal and state securities laws.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655909"></a><a name="z_Toc55380684"></a><a name="z_Toc56510580"></a><a name="z_Toc63868754"></a><font style="font-weight: bold;">2.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations




            and Warranties of the Investor</u></font>.&#160;&#160; Except as Previously Disclosed, the Investor hereby represents and warrants to the Company, as of the date hereof and as of the Closing Date (except for the representations and warranties that are as
        of a specific date which are made as of that date) that:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>[Intentionally Omitted]</u></font></div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>. </div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Investor has the necessary legal capacity to execute and deliver this Agreement and to perform its obligations hereunder.&#160; &#160; This Agreement has been duly and validly executed and
        delivered by the Investor and, assuming due authorization, execution and delivery by the Company is the valid and binding obligation of the Investor enforceable against the Investor in accordance with its terms (except as enforcement may be limited
        by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160; Neither the execution, delivery and performance by the Investor of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Investor with any of
        the provisions hereof, will (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would constitute a default) under, or result in the termination of,
        or accelerate the performance required by, or result in a right of termination or acceleration of, or result in the creation of any Liens upon any of the properties or assets of the Investor under any of the terms, conditions or provisions of&#160; any
        note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Investor is a party or by which the Investor may be bound, or to which the Investor or any of the properties or assets of the
        Investor may be subject, or (B) violate any Law applicable to the Investor or any of its properties or assets, except in the case of clauses (A) and (B) for such violations, conflicts and breaches as would not reasonably be expected to materially
        adversely affect the Investor&#8217;s ability to perform its obligations under this Agreement or consummate the transactions contemplated hereby on a timely basis.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
        delivery of this Agreement or for the purchase by the Investor of the Shares pursuant to this Agreement.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">20</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Purchase for Investment&#894; Accredited Investor Status; Pre-Existing Relationship</u></font>.&#160; The Investor acknowledges that the Shares to be
        purchased by the Investor pursuant to this Agreement have not been registered under the Securities Act or under any state securities laws and may not be resold or transferred by the Investor without such registration or appropriate reliance on any
        available exemption from such requirements.&#160; The Investor (i) is acquiring the Shares pursuant to an exemption from the registration requirements of the Securities Act and other applicable securities laws solely for investment with no present
        intention to distribute any of the Shares to any Person, (ii) will not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other applicable
        securities laws, (iii) has such knowledge and experience in financial and business matters and in investments of this type that it is capable of evaluating the merits and risks of its investment in the Shares and of making an informed investment
        decision and (iv) is an &#8220;accredited investor&#8221; (as that term is defined by Rule 501 under the Securities Act), (vi) is aware that the Company has entered into the Merger Agreement pursuant to which it is required to file with the SEC a Registration
        Statement on Form S-4 (the &#8220;<font style="font-weight: bold;"><u>Registration Statement</u></font>&#8221;), and (vi) began discussions regarding the potential for the Investment by this Agreement with representatives of the Company before the Registration
        Statement was filed with the SEC and Investor&#8217;s purchase of the Shares was not solicited by the Registration or any other filing made by the Company with the SEC.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Neither the Investor, nor its Affiliates nor any of their respective officers or directors, has employed any broker
        or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Investor in connection with this Agreement or the transactions
        contemplated hereby.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Access to Information</u></font>.&#160; The Investor acknowledges that it has been afforded (i) the opportunity to ask such questions as it has deemed
        necessary of, and to receive answers from, representatives of the Company concerning the terms and conditions of the offering of the Shares and the merits and risks of investing in the Shares; (ii) access to information about the Company and the
        Company Subsidiaries and their respective financial condition, results of operations, business, properties, management and prospects sufficient to enable it to evaluate its investment; (iii) the opportunity to obtain such additional information
        that the Company possesses or can acquire without unreasonable effort or expense that is necessary to make an informed investment decision with respect to the Investment; and (iv) the opportunity to ask questions of management of the Company.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Reliance</u></font>.&#160; The Investor has not relied on any representation or warranty made by any Person by or on behalf of the Company, including,
        without limitation, the Placement Agents, in connection with the Investment other than those contained in this Agreement.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Placement Agents</u></font>.&#160; The Investor acknowledges that the Placement Agents have not performed any due diligence review on behalf of the
        Investor.&#160; Furthermore, the Investor will purchase the Shares directly from the Company and not from the Placement Agents and understands that neither the Placement Agents nor any other broker or dealer has any obligation to make a market in the
        Common Stock.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">21</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Accuracy of Representations</u></font>.&#160; The Investor understands that each of the Placement Agents and the Company will rely upon the truth and
        accuracy of the foregoing representations, acknowledgements and agreements in connection with the transactions contemplated by this Agreement and agrees that if any of the representations or acknowledgements made by it are no longer accurate as of
        the Closing Date, or if any of the agreements made by it are breached on or prior to the Closing Date, it shall promptly notify the Placement Agents and the Company.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 3.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655910"></a><a name="z_Toc55380685"></a><a name="z_Toc56510581"></a><a name="z_Toc63868755"></a>COVENANTS</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655911"></a><a name="z_Toc55380686"></a><a name="z_Toc56510582"></a><a name="z_Toc63868756"></a><font style="font-weight: bold;">&#160;3.1</font>&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Conduct




            of Business Prior to Closing</u></font>.&#160; Except as otherwise expressly required or contemplated by this Agreement or applicable Law, or with the prior written consent of the Investor, between the date of this Agreement and the Closing, the
        Company shall, and the Company shall cause each Company Subsidiary to:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; use commercially reasonable efforts to conduct its business only in the ordinary course of business consistent with past practice; and</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;use commercially reasonable efforts to (i) preserve the present business operations, organization (including officers and employees) and goodwill of the Company and any Company
        Subsidiary and (ii) preserve business relationships with customers, suppliers, consultants and others having business dealings with the Company; provided, however, that nothing in this clause (b) shall place any limit on the ability of the Board of
        Directors to act in accordance with, or require any actions that the Board of Directors may, in good faith, determine to be inconsistent with, its duties or the Company&#8217;s obligations under applicable Law or imposed by any Governmental Entity.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;"><a name="z_Toc55380687"></a><a name="z_Toc56510583"></a><a name="z_Toc63868757"></a><a name="z_Hlk54711438"></a><font style="font-weight: bold;">3.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Use of Proceeds</u></font>.&#160;




        <a name="z_Hlk54713751"></a>&#160; The proceeds received by the Company from the sale of the Shares contemplated hereunder (net of any applicable costs and expenses) will be used for general corporate purposes and will not use such proceeds to
        repurchase, redeem or otherwise monetize any interests held by other existing shareholders of the Company or any Company Subsidiary.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;"><a name="z_Toc55380688"></a><a name="z_Toc56510584"></a><a name="z_Toc63868758"></a><font style="font-weight: bold;">3.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Regulatory Filings</u></font>.&#160; The Company
        shall make all filings pursuant to any applicable state securities laws and Regulation D of the Securities Act that are required to be made in connection with the Closing.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655912"></a><a name="z_Toc55380689"></a><a name="z_Toc56510585"></a><a name="z_Toc63868759"></a><font style="font-weight: bold;">3.4</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Confidentiality</u></font>.&#160;




        The Investor acknowledges that the information being provided to it in connection with the transactions contemplated hereby includes confidential information that has not been publicly disclosed and agrees to maintain the confidentiality of the
        information with the same degree of care that it uses to protect its own confidential information.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">22</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">3.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Publicity</u></font>.&#160;&#160; The Company shall not publicly disclose the financial or other terms of the
        transactions contemplated hereby or the name of any Investor or any Affiliate or investment adviser of any Investor, or include the name of any Investor or any Affiliate or investment adviser of any Investor in any press release or filing with the
        SEC or the Nasdaq Stock Market and shall not use any names, trademarks, service marks or trade names of the Investor or its Affiliates in any form of advertising and publicity or public statements, without the prior written consent of such
        Investor, except (i) as required by federal securities law in connection with the filing of final transaction documents with the SEC or (ii) to the extent such disclosure is required by applicable law, at the request of the staff of the SEC or at
        the request of the Nasdaq Stock Market regulations, in which case the Company shall provide each such Investor with prior written notice of such disclosure and the form of such disclosure shall be subject to the approval of such Investor, such
        approval not to be unreasonably withheld or delayed.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655914"></a><a name="z_Toc55380691"></a><a name="z_Toc56510587"></a><a name="z_Toc63868761"></a><font style="font-weight: bold;">3.6</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Commercially




            Reasonable Effort</u></font>.&#160;&#160; Upon the terms and subject to the conditions herein provided, except as otherwise provided in this Agreement, each of the Parties hereto agrees to use its commercially reasonable efforts to take or cause to be
        taken all action, to do or cause to be done and to assist and cooperate with the other Party in doing all things necessary, proper or advisable under applicable Laws to consummate and make effective the transactions contemplated hereby, including
        but not limited to: (a) the satisfaction of the conditions precedent to the obligations of the Parties; (b) the obtaining of applicable Governmental Consents, and consents, waivers and approvals of any other third parties; (c) defending of any
        claim, action, suit, investigation or proceeding, whether judicial or administrative, challenging this Agreement or the performance of the obligations hereunder; and (d) the execution and delivery of such instruments, and the taking of such other
        actions as the other Party may reasonably request in order to carry out the intent of this Agreement.&#160; Notwithstanding the foregoing, under no circumstances will the Investor be required to disclose to the Company, the Company Subsidiaries or any
        third party any information the disclosure of which is prohibited by Law, nor shall it be required to agree to any restrictions, conditions or commitments imposed or otherwise required by any Government Entity that are determined by the Investor in
        its sole discretion to be unduly burdensome, other than customary passivity commitments, in order to consummate and make effective the transactions contemplated hereby.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655915"></a><a name="z_Toc55380692"></a><a name="z_Toc56510588"></a><a name="z_Toc63868762"></a><font style="font-weight: bold;">3.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Legend</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Investor agrees that all certificates or other instruments representing the Shares subject to this Agreement shall bear legends substantially to the following effect, until such
        time as they are not required under <u>Section 3.7(b)</u></div>
      <div>&#160;</div>
      <div style="text-align: justify; margin-right: 36pt; margin-left: 36pt;">&#8220;THE SHARES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR SECURITIES LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED,
        SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO IS IN EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR SUCH LAWS.&#8221;</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">23</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Upon request of the Investor, the Company shall promptly cause such legends to be removed from any certificate for any Shares to be so transferred if such Shares are being transferred
        pursuant to an exemption from the registration securities requirements of the Securities Act and applicable state Laws, subject to receipt by the Company of an opinion of counsel for the Investor reasonably satisfactory to the Company to the effect
        that such legend is no longer required under the Securities Act and applicable state Laws.&#160; The Investor acknowledges that the sale of the Shares provided for herein has not been registered under the Securities Act or under any state securities
        Laws and agrees that it shall not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other applicable securities Laws.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655916"></a><a name="z_Toc55380693"></a><a name="z_Toc56510589"></a><a name="z_Toc63868763"></a><font style="font-weight: bold;">3.8</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exchange




            Listing</u></font>.&#160;&#160;&#160; The Company shall use its reasonable best efforts to cause the Shares to be approved for listing on the Nasdaq Stock Market as promptly as possible.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655917"></a><a name="z_Toc55380694"></a><a name="z_Toc56510590"></a><a name="z_Toc63868764"></a><font style="font-weight: bold;">3.9</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorized




            Shares</u></font>.&#160;&#160; The Company will at all times reserve, free of any preemptive or similar rights of stockholders of the Company, a number of unissued shares of Class A Common Stock, sufficient to convert automatically, in accordance with
        the terms of the certificate of incorporation of the Company, all of the shares of Class C Common Stock then outstanding.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655918"></a><a name="z_Toc55380695"></a><a name="z_Toc56510591"></a><a name="z_Toc63868765"></a><font style="font-weight: bold;">3.10</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Rule




            144 Reporting</u></font>.&#160;&#160; With a view to making available to the Investor the benefits of certain rules and regulations of the SEC which may permit the sale of the Shares by the Investor without registration under the Securities Act upon
        compliance with the initial holding period and other applicable requirements of Rule 144 under the Securities Act, the Company agrees to use its reasonable best efforts to:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; make and keep adequate current public information with respect to the Company available, as those terms are understood and defined in Rule 144(c)(1) or any similar or analogous rule
        promulgated under the Securities Act, at all times after the effective date of this Agreement;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; so long as the Investor owns any of the Shares, furnish to the Investor forthwith upon request: (A) a written statement by the Company as to its compliance with the reporting
        requirements of Rule 144 under the Securities Act, and of the Exchange Act; (B) a copy of the most recent annual or quarterly report of the Company; and (C) such other reports and documents as the Investor may reasonably request in availing itself
        of any rule or regulation of the SEC allowing it to sell any of the Shares without registration; and</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; to take such further action as the Investor may reasonably request, all to the extent required from time to time to enable the Investor to sell Shares without registration under the
        Securities Act.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">24</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 4.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655920"></a><a name="z_Toc55380697"></a><a name="z_Toc56510592"></a><a name="z_Toc63868766"></a>TERMINATION</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655921"></a><a name="z_Toc55380698"></a><a name="z_Toc56510593"></a><a name="z_Toc63868767"></a><font style="font-weight: bold;">4.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Termination</u></font>.&#160;&#160;




        This Agreement may be terminated prior to the Closing:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by mutual written agreement of the Company and the Investor;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; by either Party, upon written notice to the other Party in the event that the Closing does not occur on or before September 1, 2021; <u>provided</u>, <u>however</u>, that the right to
        terminate this Agreement pursuant to this Section 4.1(b) shall not be available to any Party whose failure to fulfill any obligation under this Agreement shall have been the cause of, or shall have resulted in, the failure of the Closing to occur
        on or prior to such date;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by either Party, upon written notice to the other Party, in the event that (i) Stockholder Approval is required under applicable Law or the rules and regulations of the Nasdaq Stock
        Market, but has not been obtained on or prior to the closing date of the Merger or (ii) the Authorized Shares Increase Approval has not been obtained on or prior to the closing date of the Merger;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by the Investor, upon written notice to the Company, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Company in this Agreement, or any
        such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(ii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date that
        would otherwise be the Closing Date in the absence of such breach or condition; provided that this Section 4.1(d) shall only apply if the Investor is not in material breach of any of the terms of this Agreement;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by the Company, upon written notice to the Investor, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Investor in this Agreement, or
        any such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(iii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date
        that would otherwise be the Closing Date in absence of such breach or condition; provided that this Section 4.1(e) shall only apply if the Company is not in material breach of any of the terms of this Agreement; or</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by any Party, upon written notice to the other Party, in the event that any Governmental Entity shall have issued any order, decree or injunction or taken any other action restraining,
        enjoining or prohibiting any of the transactions contemplated by this Agreement, and such order, decree, injunction or other action shall have become final and non-appealable.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655922"></a><a name="z_Toc55380699"></a><a name="z_Toc56510594"></a><a name="z_Toc63868768"></a><font style="font-weight: bold;">4.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Effects

            of Termination</u></font>.&#160;&#160; In the event of any termination of this Agreement as provided in Section 4.1, this Agreement (other than Section 3.4, this Article 4 and Article 6 of this Agreement, which shall remain in full force and effect)
        shall forthwith become wholly void and of no further force and effect; provided, that nothing herein shall relieve any Party from liability for fraud or willful breach of this Agreement.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">25</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 5.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655923"></a><a name="z_Toc55380700"></a><a name="z_Toc56510595"></a><a name="z_Toc63868769"></a>INDEMNITY</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655924"></a><a name="z_Toc55380701"></a><a name="z_Toc56510596"></a><a name="z_Toc63868770"></a><font style="font-weight: bold;">5.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Indemnification




            by the Company</u>.</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; After the Closing, and subject to Sections 5.1(b), 5.3 and 5.4, the Company shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Investor and its
        Affiliates, and their respective successors and assigns, officers, directors, partners, members and employees, as applicable, (the &#8220;<font style="font-weight: bold;"><u>Investor Indemnified Parties</u></font>&#8221;) against and from, and reimburse any of
        the Investor Indemnified Parties for, all Losses that any of the Investor Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach of any representation or warranty
        made by the Company in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by the Company to perform any of its covenants or agreements contained in this Agreement.&#160; Notwithstanding anything herein to the
        contrary, the obligations of the Company under this Section 5.1(a) shall not be applicable to or inure to the benefit of any transferee of the Common Stock sold pursuant to this Agreement who is not an Affiliate of the Investor.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless any of the Investor Indemnified Parties against, or
        reimburse any of the Investor Indemnified Parties for, any Losses pursuant to Section 5.1(a) (other than Losses arising out of the inaccuracy or breach of any Company Specified Representations) until the aggregate amount of the Investor Indemnified
        Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a) exceeds $100,000 (the &#8220;<font style="font-weight: bold;"><u>Threshold Amount</u></font>&#8221;), upon the
        occurrence of which the Company shall be obligated for all of the Investor Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a).&#160;
        Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless the Investor Indemnified Parties against, or reimburse the Investor Indemnified Parties for, any Losses pursuant to
        Section 5.1(a) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; For purposes of Section 5.1(a), in determining whether there has been a breach of a representation or warranty, the Parties hereto shall ignore any &#8220;materiality,&#8221; &#8220;Material Adverse
        Effect&#8221; or similar qualifications.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655925"></a><a name="z_Toc55380702"></a><a name="z_Toc56510597"></a><a name="z_Toc63868771"></a><font style="font-weight: bold;">5.2</font>&#160;&#160;&#160; &#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification by the Investor</u>.</font></div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53184709"></a><a name="z_Toc53215208"></a></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; After the Closing, and subject to Sections 5.2(b), 5.3 and 5.4, the Investor shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Company and its
        respective Affiliates and their respective successors and assigns, officers, directors, partners, members, employees, representatives and agents (collectively, the &#8220;<font style="font-weight: bold;"><u>Company Indemnified Parties</u></font>&#8221;)
        against and from, and reimburse any of the Company Indemnified Parties for, all Losses that the Company Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach of
        any representation or warranty made by the Investor in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by such Investor to perform any of its covenants or agreements contained in this Agreement.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">26</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless any of the Company Indemnified Parties against, or
        reimburse any of the Company Indemnified Parties for any Losses pursuant to Section 5.2(a)(1) until the aggregate amount of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally determined to be otherwise
        entitled to indemnification under Section 5.2(a) exceeds the Threshold Amount, upon the occurrence of which the Investor shall be obligated for all of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally
        determined to be otherwise entitled to indemnification under Section 5.2(a)(1).&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless the Company Indemnified Parties
        against, or reimburse the Company Indemnified Parties for, any Losses pursuant to Section 5.2(a)(1) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1 hereof.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; For purposes of Section 5.2(a), in determining whether there has been a breach of a representation or warranty, the Parties shall ignore any &#8220;materiality&#8221; or similar qualifications.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655926"></a><a name="z_Toc55380703"></a><a name="z_Toc56510598"></a><a name="z_Toc63868772"></a><font style="font-weight: bold;">5.3</font>&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Notification of Claims</u>.</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Any Person that may be entitled to be indemnified under this Article 5 (the &#8220;<font style="font-weight: bold;"><u>Indemnified Party</u></font>&#8221;) shall promptly notify the party or
        parties liable for such indemnification (the &#8220;<font style="font-weight: bold;"><u>Indemnifying Party</u></font>&#8221;) in writing of any claim in respect of which indemnity may be sought hereunder, including any pending or threatened claim or demand by
        a third party that the Indemnified Party has determined has given or could reasonably give rise to a right of indemnification under this Agreement (including a pending or threatened claim or demand asserted by a third party against the Indemnified
        Party) (each, a &#8220;<font style="font-weight: bold;"><u>Third Party Claim</u></font>&#8221;), describing in reasonable detail the facts and circumstances with respect to the subject matter of such claim or demand; provided, however, that the failure to
        provide such notice shall not release the Indemnifying Party from any of its obligations under this Agreement except to the extent that the Indemnifying Party is materially prejudiced by such failure.&#160; The Parties agree that notices for claims in
        respect of a breach of a representation, warranty, covenant or agreement must be delivered prior to the expiration of any applicable survival period specified in Section 6.1 for such representation, warranty, covenant or agreement; provided, that
        if, prior to such applicable date, a Party hereto shall have notified the other Party hereto in accordance with the requirements of this Section 5.3(a) of a claim for indemnification under this Agreement (whether or not formal legal action shall
        have been commenced based upon such claim), such claim shall continue to be subject to indemnification in accordance with this Agreement notwithstanding the passing of such applicable date.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">27</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon receipt of a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) in respect of a Third Party Claim, the Indemnifying Party may, by notice to the
        Indemnified Party delivered within twenty (20) Business Days of the receipt of notice of such Third Party Claim, assume the defense and control of any Third Party Claim, with its own counsel reasonably acceptable to the Indemnified Party and at its
        own expense.&#160; The Indemnified Party shall have the right to employ counsel on its own behalf for, and otherwise participate in the defense of, any such Third Party Claim, but the fees and expenses of its counsel will be at its own expense unless
        (A) the employment of counsel by the Indemnified Party at the Indemnifying Party&#8217;s expense has been authorized in writing by the Indemnifying Party, (B) the Indemnified Party reasonably believes there may be a conflict of interest between the
        Indemnified Party and the Indemnifying Party in the conduct of the defense of such Third Party Claim, (C) the Indemnified Party reasonably believes there are legal defenses available to it that are different from, additional to or inconsistent with
        those available to the Indemnifying Party, or (D) the Indemnifying Party has not in fact employed counsel to assume the defense of such Third Party Claim within a reasonable time after receipt of notice of the commencement of such Third Party
        Claim, in each of which cases the fees and expenses of such Indemnified Party&#8217;s counsel shall be at the expense of the Indemnifying Party; provided, however, that in the event that the Company is required to assume the fees and expenses of such
        Investor Indemnified Party&#8217;s counsel in accordance with the foregoing and such Investor Indemnified Party is similarly situated with any other &#8220;Investor Indemnified Party&#8221; under any of the other stock purchase agreements with respect to any Third
        Party Claim, and does not have any conflict of interest with such Person in the conduct of the defense of such Third Party Claim or have legal defenses available to it that are different from, additional to or inconsistent with those available to
        such Person, such Investor Indemnified Party shall be required to employ the same counsel as such Person and the Company shall be responsible for the fees and expenses of only one such counsel for such Investor Indemnified Party and such other
        Person or Persons (assuming any of clauses (A) through (D) above is satisfied).&#160; The Indemnified Party may take any actions reasonably necessary to defend such Third Party Claim prior to the time that it receives a notice from the Indemnifying
        Party as contemplated by the immediately preceding sentence.&#160; The Indemnified Party shall, and shall cause each of its Affiliates and representatives to, use reasonable best efforts to cooperate with the Indemnifying Party in the defense of any
        Third Party Claim.&#160; The Indemnifying Party shall not, without the prior written consent of the Indemnified Party (which shall not be unreasonably withheld or delayed), consent to a settlement, compromise or discharge of, or the entry of any
        judgment arising from, any Third Party Claim, unless such settlement, compromise, discharge or entry of any judgment does not involve any statement, finding or admission of any fault, culpability, failure to act, violation of Law or admission of
        any wrongdoing by or on behalf of the Indemnified Party, and the Indemnifying Party shall (i) pay or cause to be paid all amounts arising out of such settlement or judgment concurrently with the effectiveness of such settlement or judgment (unless
        otherwise provided in such judgment), (ii) not encumber any of the assets of any Indemnified Party or agree to any restriction or condition that would apply to or materially adversely affect any Indemnified Party or the conduct of any Indemnified
        Party&#8217;s business and (iii) obtain, as a condition of any settlement, compromise, discharge, entry of judgment (if applicable), or other resolution, a complete and unconditional release of each Indemnified Party in form and substance reasonably
        satisfactory to such Indemnified Party from any and all liabilities in respect of such Third Party Claim.&#160; An Indemnified Party shall not settle, compromise or consent to the entry of any judgment with respect to any claim or demand for which it is
        seeking indemnification from the Indemnifying Party or admit to any liability with respect to such claim or demand without the prior written consent of the Indemnifying Party (which consent shall not be unreasonably withheld or delayed); provided,
        that such consent shall not be required if the Indemnifying Party has not fulfilled any material obligations under this Section 5.3(b).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; In the event any Indemnifying Party receives a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) that does not involve a Third Party Claim, the
        Indemnifying Party shall notify the Indemnified Party within twenty (20) Business Days following its receipt of such notice whether the Indemnifying Party disputes its liability to the Indemnified Party under this Agreement.&#160; The Indemnified Party
        shall reasonably cooperate with and assist the Indemnifying Party in determining the validity of any such claim for indemnity by the Indemnified Party.</div>
      <div style="text-align: justify; text-indent: 72pt; margin-left: 9pt;"> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">28</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655927"></a><a name="z_Toc55380704"></a><a name="z_Toc56510599"></a><a name="z_Toc63868773"></a><font style="font-weight: bold;">5.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification




            Payment</u></font>.&#160;&#160; In the event a claim or any Action for indemnification hereunder has been finally determined, the amount of such final determination shall be paid by the Indemnifying Party to the Indemnified Party on demand in immediately
        available funds.&#160; A claim or an Action, and the liability for and amount of damages therefor, shall be deemed to be &#8220;<u>finally determined</u>&#8221; for purposes of this Agreement when the Parties have so determined by mutual agreement or, if disputed,
        when a final non-appealable judicial order has been entered into with respect to such claim or Action.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655928"></a><a name="z_Toc55380705"></a><a name="z_Toc56510600"></a><a name="z_Toc63868774"></a><font style="font-weight: bold;">5.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exclusive




            Remedies</u></font>.&#160; Each Party acknowledges and agrees that following the Closing, the indemnification provisions hereunder shall be the sole and exclusive remedies of the Parties for any breach of the representations, warranties or covenants
        contained in this Agreement.&#160; No investigation of the Company by the Investor, or of the Investor by the Company, whether prior to or after the date of this Agreement, shall limit any Indemnified Party&#8217;s exercise of any right hereunder or be deemed
        to be a waiver of any such right.&#160; The Parties agree that any indemnification payment made pursuant to this Agreement shall be treated as an adjustment to the Purchase Price for Tax purposes, unless otherwise required by Law.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 6.</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655929"></a><a name="z_Toc55380706"></a><a name="z_Toc56510601"></a><a name="z_Toc63868775"></a>MISCELLANEOUS</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655930"></a><a name="z_Toc55380707"></a><a name="z_Toc56510602"></a><a name="z_Toc63868776"></a><font style="font-weight: bold;">6.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Survival</u></font>.&#160;&#160;




        The representations and warranties of the Parties contained in this Agreement shall survive in full force and effect until the date that is fifteen (15) months after the Closing Date (or until final resolution of any claim or action arising from
        the breach of any such representation and warranty, if notice of such breach was provided prior to the end of such period), at which time they shall terminate and no claims shall be made for indemnification under Section 5.1 or Section 5.2, as
        applicable, for breaches of representations or warranties thereafter, except the Company Specified Representations (other than the representations and warranties made in Section 2.2(v), which shall survive until the expiration of the applicable
        statute of limitations) and the Investor Specified Representations shall survive the Closing indefinitely.&#160; The covenants and agreements set forth in this Agreement shall survive until the expiration of any applicable statute of limitations or
        until performed or no longer operative in accordance with their respective terms.&#160; Notwithstanding the foregoing, the Company Specified Representations shall survive for the period of the applicable statute of limitations.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655931"></a><a name="z_Toc55380708"></a><a name="z_Toc56510603"></a><a name="z_Toc63868777"></a><font style="font-weight: bold;">6.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Other




            Definitions</u></font>. &#160; Wherever required by the context of this Agreement, the singular shall include the plural and vice versa, and the masculine gender shall include the feminine and neuter genders and vice versa, and references to any
        agreement, document or instrument shall be deemed to refer to such agreement, document or instrument as amended, supplemented or modified from time to time.&#160; In addition, the following terms shall have the meanings assigned to them below:</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">29</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Affiliate</u></font>&#8221; means, with respect to any Person, any Person directly or indirectly controlling, controlled by or under common
        control with, such other Person provided that no security holder of the Company shall be deemed to be an Affiliate of any other security holder or of the Company or any of the Company Subsidiaries solely by reason of any investment in the Company
        and, for purposes of this definition, &#8220;<font style="font-weight: bold;"><u>control</u></font>&#8221; (including, with correlative meanings, the terms &#8220;<font style="font-weight: bold;"><u>controlling</u></font>&#8221;, &#8220;<font style="font-weight: bold;"><u>controlled
            by</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>under common control with</u></font>&#8221;) when used with respect to any Person, means the possession, directly or indirectly, of the power to cause the direction of management or policies of
        such Person, whether through the ownership of voting securities, by contract or otherwise;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Agency</u></font>&#8221; means the Federal Housing Administration, the Federal Home Loan Mortgage Corporation, the Farmers Home Administration
        (now known as Rural Housing and Community Development Services), the Federal National Mortgage Association, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of Agriculture or any other federal or
        state agency with authority to (i) determine any investment, origination, lending or servicing requirements with regard to mortgage loans originated, purchased or serviced by the Company or (ii) originate, purchase, or service mortgage loans, or
        otherwise promote mortgage lending, including state and local housing finance authorities;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Board of Directors</u></font>&#8221; means the Board of Directors of the Company;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Business Day</u></font>&#8221; means any day except Saturday, Sunday and any day which shall be a legal holiday or a day on which banking
        institutions in the State of New York or in the State of California generally are authorized or required by Law or other governmental actions to close;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Capital Stock</u></font>&#8221; means the capital stock or other applicable type of equity interest in a Person;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Code</u></font>&#8221; means the Internal Revenue Code of 1986, as amended;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Company Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.2(a), <u>Section 2.2(b)</u>,
        Section 2.2(c), Section 2.2(d), Section 2.2(x), Section 2.2(z) and Section 2.2(hh);</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Disclosure Schedule</u></font>&#8221; shall mean a schedule delivered, on or prior to the date of this Agreement, by (i) the Investor to the
        Company and (ii) the Company to the Investor setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express disclosure requirement contained in a provision hereof or as an exception to
        one or more representations or warranties contained in Section 2.2 with respect to the Company, or in Section 2.3 with respect to the Investor, or to one or more covenants contained in Article 3;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>GAAP</u></font>&#8221; means United States generally accepted accounting principles and practices as in effect from time to time;</div>
      <div style="text-indent: 9pt;">&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">30</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Consent</u></font>&#8221; means any notice to, registration, qualification, designation, declaration or filing with, exemption or
        review by, or authorization, order, consent or approval of, any Governmental Entity, or the expiration or termination of any statutory waiting periods;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Entity</u></font>&#8221; means any court, administrative agency or commission or other governmental authority or instrumentality,
        whether federal, state, local or foreign, and any applicable industry self-regulatory organization or securities exchange;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Insurer</u></font>&#8221; means a Person who insures or guarantees for the benefit of the mortgagee all or any portion of the risk of loss upon
        borrower default on any of the mortgage loans originated, purchased or serviced by the Bank, including the Federal Housing Administration, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of
        Agriculture and any private mortgage insurer, and providers of hazard, title or other insurance with respect to such mortgage loans or the related collateral;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Investor Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.3(b)(i), Section 2.3(d) and Section
        2.3(f);</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Knowledge</u></font>&#8221; of the Company and words of similar import mean the knowledge of any directors or executive officers of the Company
        listed on the Disclosure Schedule hereto;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Loan Investor</u></font>&#8221; means any Person (including an Agency) having a beneficial interest in any mortgage loan originated, purchased
        or serviced by the Bank or a security backed by or representing an interest in any such mortgage loan;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Losses</u></font>&#8221; means any and all losses, damages, reasonable costs, reasonable expenses (including reasonable attorneys&#8217; fees and
        disbursements), liabilities, settlement payments, awards, judgments, fines, obligations, claims, and deficiencies of any kind, excluding special, consequential, exemplary and punitive damages;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Person</u></font>&#8221; means any individual, firm, corporation, partnership, trust, incorporated or unincorporated association, joint venture,
        joint stock company, limited liability company, Governmental Entity or other entity of any kind, and shall include any successor (by merger or otherwise) of such entity;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Subsidiary</u></font>&#8221; means, with respect to any Person, any corporation, partnership, joint venture, limited liability company or other
        entity (x) of which such Person or a Subsidiary of such Person is a general partner or (y) of which a majority of the voting securities or other voting interests, or a majority of the securities or other interests of which having by their terms
        ordinary voting power to elect a majority of the board of directors or persons performing similar functions with respect to such entity, is directly or indirectly owned by such Person and/or one or more Subsidiaries thereof;</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">31</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Tax</u></font>&#8221; or &#8220;<font style="font-weight: bold;"><u>Taxes</u></font>&#8221; means all United States federal, state, local or foreign income,
        profits, estimated, gross receipts, windfall profits, severance, property, intangible property, occupation, production, sales, use, license, excise, emergency excise, franchise, capital gains, capital stock, employment, withholding, transfer,
        stamp, payroll, goods and services, value added, alternative or add-on minimum tax, or any other tax, custom, duty or governmental fee, or other like assessment or charge of any kind whatsoever, together with any interest, penalties, fines, related
        liabilities or additions to tax that may become payable in respect thereof imposed by any Governmental Entity, whether or not disputed;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Tax Return</u></font>&#8221; means any return, declaration, report or similar statement required to be filed with respect to any Taxes
        (including any attached schedules), including, without limitation, any information return, claim or refund, amended return and declaration of estimated Tax;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(u)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Voting Securities</u></font>&#8221; means at any time shares of any class of Capital Stock of the Company, including but not limited to Voting
        Common Stock (or, after giving effect to the Merger Transactions, Class A Common Stock), and Voting Debt that are then entitled to vote generally in the election of directors;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; the word &#8220;<font style="font-weight: bold;"><u>or</u></font>&#8221; is not exclusive;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the words &#8220;<font style="font-weight: bold;"><u>including</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>includes</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>included</u></font>&#8221;
        and &#8220;<font style="font-weight: bold;"><u>include</u></font>&#8221; are deemed to be followed by the words &#8220;without limitation&#8221;;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; the terms &#8220;<font style="font-weight: bold;"><u>herein</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>hereof</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>hereunder</u></font>&#8221;
        and other words of similar import refer to this Agreement as a whole and not to any particular section, paragraph or subdivision; and</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; all article, section, paragraph or clause references not attributed to a particular document shall be references to such parts of this Agreement, and all exhibit and schedule
        references not attributed to a particular document shall be references to such exhibits and schedules to this Agreement.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655932"></a><a name="z_Toc55380709"></a><a name="z_Toc56510604"></a><a name="z_Toc63868778"></a><font style="font-weight: bold;">6.3</font>&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Amendment




            and Waivers</u></font>.&#160; The conditions to each Party&#8217;s obligation to consummate the Closing are for the sole benefit of such Party and may be waived by such Party in whole or in part to the extent permitted by Law.&#160; No amendment or waiver of
        any provision of this Agreement will be effective against any Party unless it is in a writing signed by a duly authorized officer of such Party.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655933"></a><a name="z_Toc55380710"></a><a name="z_Toc56510605"></a><a name="z_Toc63868779"></a><font style="font-weight: bold;">6.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Counterparts




            and Facsimile</u></font>.&#160;&#160; For the convenience of the Parties, this Agreement may be executed in any number of separate counterparts, each such counterpart being deemed to be an original instrument, and all such counterparts will together
        constitute the same agreement.&#160; Executed signature pages to this Agreement may be delivered by facsimile and such facsimiles shall be deemed as sufficient as if manually signed signature pages had been delivered.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">32</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">6.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governing Law</u></font>.&#160;&#160;&#160; This Agreement will be governed by and construed in accordance with the Laws of
        the State of California applicable to contracts made and to be performed entirely within such State.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655935"></a><a name="z_Toc55380712"></a><a name="z_Toc56510607"></a><a name="z_Toc63868781"></a><font style="font-weight: bold;">6.6</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>WAIVER




            OF JURY TRIAL</u></font>.&#160;&#160; TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVESTOR HEREBY IRREVOCABLY WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY RELATING TO THIS AGREEMENT, THE
        TRANSACTIONS CONTEMPLATED HEREBY WHETHER BASED ON CONTRACT, EQUITY, TORT OR ANY OTHER THEORY.&#160; THIS WAIVER OF RIGHT TO TRIAL BY JURY IS GIVEN BY INVESTOR, KNOWINGLY AND VOLUNTARILY WITH THE BENEFIT OF COMPETENT LEGAL COUNSEL.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655936"></a><a name="z_Toc55380713"></a><a name="z_Toc56510608"></a><a name="z_Toc63868782"></a><font style="font-weight: bold;">6.7</font>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Notices</u></font>.&#160; Any notice, request, instruction or other document to be given hereunder by any Party to the other will be in writing and will be deemed to have been duly given (a) on the date of delivery if delivered personally or
        by telecopy or facsimile, upon confirmation of receipt, (b) on the first Business Day following the date of dispatch if delivered by a recognized next-day courier service, or (c) on the third Business Day following the date of mailing if delivered
        by registered or certified mail, return receipt requested, postage prepaid, provided that any such notice, request, instruction or other document to be given hereunder shall not be deemed to have been duly given unless and until it is sent via
        electronic mail to the recipient thereof.&#160; All notices hereunder shall be delivered as set forth below, or pursuant to such other instructions as may be designated in writing by the Party to receive such notice.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If to the Investor, to the address set forth on the Investor&#8217;s signature page to this Agreement.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If to the Company:</div>
      <div>&#160;</div>
      <div style="margin-right: 72pt; margin-left: 108pt;"><a name="z_Hlk56512958"></a>Broadway Financial Corporation</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">5055 Wilshire Boulevard, Suite 500</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Los Angeles, California 90036</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Attn: Brenda Battey,</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Chief Financial Officer</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Email: bbattey@broadwayfederalbank.com</div>
      <div>&#160;</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">with a copy (which copy shall not constitute notice) to:</div>
      <div>&#160;</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Arnold &amp; Porter LLP</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">777 South Figueroa Street,</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">44th Floor</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Los Angeles, California 90017</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Attn: James R. Walther, Esq.</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Fax: (213) 243-4199</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Email: James.Walther@arnoldporter.com</div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;"><a name="z_Toc53655937"></a><a name="z_Toc55380714"></a><a name="z_Toc56510609"></a></font><br>
      </div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">33</font></div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">6.8</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Entire Agreement</u></font>.&#160;&#160; This Agreement constitutes the entire agreement, and supersede all other
        prior agreements, understandings, representations and warranties, inducements or conditions, both written and oral, among the Parties, with respect to the subject matter hereof and thereof.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655938"></a><a name="z_Toc55380715"></a><a name="z_Toc56510610"></a><a name="z_Toc63868784"></a><font style="font-weight: bold;">6.9</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Successors




            and Assigns</u></font>.&#160;&#160; This Agreement shall be binding upon and inure to the benefit of the Parties and their respective successors and assigns, including any purchasers of the Common Stock to be issued pursuant to this Agreement.&#160; The
        Company shall not assign this Agreement or any rights or obligations hereunder without the prior written consent of the Investor.&#160; The Investor may assign some or all of its rights hereunder or thereunder without the consent of the Company to any
        Affiliate of the Investor, and such assignee shall be deemed to be an Investor hereunder with respect to such assigned rights and shall be bound by the terms and conditions of this Agreement that apply to the Investor.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655939"></a><a name="z_Toc55380716"></a><a name="z_Toc56510611"></a><a name="z_Toc63868785"></a><font style="font-weight: bold;">6.10</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Captions</u></font>.&#160;&#160;&#160;




        The article, section, paragraph and clause captions herein are for convenience of reference only, do not constitute part of this Agreement and will not be deemed to limit or otherwise affect any of the provisions hereof.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655940"></a><a name="z_Toc55380717"></a><a name="z_Toc56510612"></a><a name="z_Toc63868786"></a><font style="font-weight: bold;">6.11</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Severability</u></font>.&#160;&#160;




        If any provision of this Agreement or the application thereof to any Person or circumstance is determined by a court of competent jurisdiction to be invalid, void or unenforceable, the remaining provisions hereof, or the application of such
        provision to Persons or circumstances other than those as to which it has been held invalid or unenforceable, will remain in full force and effect and shall in no way be affected, impaired or invalidated thereby, so long as the economic or legal
        substance of the transactions contemplated hereby is not affected in any manner materially adverse to any party.&#160; Upon such determination, the Parties shall negotiate in good faith in an effort to agree upon a suitable and equitable substitute
        provision to effect the original intent of the Parties.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655941"></a><a name="z_Toc55380718"></a><a name="z_Toc56510613"></a><a name="z_Toc63868787"></a><font style="font-weight: bold;">6.12</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Third




            Party Beneficiaries</u></font>.&#160;&#160;&#160; Nothing contained in this Agreement, expressed or implied, is intended to confer upon any Person other than the Parties, any benefit right or remedies, except that the Placement Agents may rely on the
        representations and warranties contained herein to the same extent as if they were party to this Agreement and the provisions of Sections 5.1 and 5.2 shall inure to the benefit of the Persons referred to in such Sections.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655942"></a><a name="z_Toc55380719"></a><a name="z_Toc56510614"></a><a name="z_Toc63868788"></a><font style="font-weight: bold;">6.13</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Public




            Announcements</u></font>.&#160;&#160;&#160;&#160; The Investor will not make (and will use its reasonable best efforts to ensure that its Affiliates and representatives do not make) any news release or public disclosure with respect to this Agreement and any of
        the transactions contemplated hereby, without first consulting with the Company and, in each case, also receiving the Company&#8217;s consent (which shall not be unreasonably withheld, conditioned or delayed).</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;"><a name="z_Toc53655943"></a><a name="z_Toc55380720"></a><a name="z_Toc56510615"></a><a name="z_Toc63868789"></a><font style="font-weight: bold;">6.14</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Specific
            Performance</u></font>.&#160;&#160; The Parties agree that irreparable damage would occur in the event that any of the provisions of this Agreement were not performed in accordance with their specific terms.&#160; It is accordingly agreed that the Parties
        shall be entitled to seek specific performance of the terms hereof, this being in addition to any other remedies to which they are entitled at law or equity.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">34</font></div>
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      <div style="text-indent: 72pt;"><font style="font-weight: bold;">6.15</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Recourse to Other Persons</u></font>.&#160;&#160; This Agreement may only be enforced against the named Parties.&#160; All claims or causes
        of action that may be based upon, arise out of or relate to this Agreement, or the negotiation, execution or performance of this Agreement may be made only against the entities that are expressly identified as Parties or that are subject to the
        terms hereof, and no past, present or future director, officer, employee, incorporator, member, manager, partner, stockholder, Affiliate, agent, attorney or representative of any Party (including any person negotiating or executing this Agreement
        on behalf of a Party) shall have any liability or obligation with respect to this Agreement or with respect to any claim or cause of action, whether in tort, contract or otherwise, that may arise out of or relate to this Agreement, or the
        negotiation, execution or performance of this Agreement and the transactions contemplated hereby.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-style: italic;">[<font style="font-weight: bold;">signature page follows</font>]</div>
      <div><br>
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        <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">35</font></div>
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      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">IN WITNESS WHEREOF</font><font style="font-size: 10pt;">, the Parties have caused this Agreement to be duly executed by their
          respective authorized officers as of the day and year first above written.</font></div>
      <div>&#160;</div>
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              <div style="font-weight: bold;">BROADWAY FINANCIAL CORPORATION</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="vertical-align: top;" colspan="3" rowspan="1"><br>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
              <div>By:</div>
            </td>
            <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); width: 5%;" rowspan="1"><br>
            </td>
            <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); width: 18%;" rowspan="1"><br>
            </td>
            <td style="vertical-align: top; width: 74%; padding-bottom: 2px;" rowspan="1"><br>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;"><br>
            </td>
            <td style="width: 5%; vertical-align: top;" colspan="1">
              <div>Name:</div>
            </td>
            <td style="vertical-align: top;" colspan="2">
              <div>Wayne-Kent A. Bradshaw</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;"><br>
            </td>
            <td style="width: 5%; vertical-align: top;" colspan="1">
              <div>Title:</div>
            </td>
            <td style="vertical-align: top;" colspan="2">
              <div>President and Chief Executive Officer</div>
            </td>
          </tr>

      </table>
      <div>
        <div><br>
        </div>
        <div style="text-align: center;">[Stock Purchase Agreement]</div>
      </div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="vertical-align: top;" colspan="2">
              <div>Gerald I. White</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="vertical-align: top;" colspan="2">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
              <div>By:</div>
            </td>
            <td style="width: 22%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 25%; vertical-align: top; padding-bottom: 2px;"><br>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="vertical-align: top;" colspan="2">
              <div>Name: Gerald I. White</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="vertical-align: top;" colspan="2">
              <div>Title:</div>
            </td>
          </tr>

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          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>Address for notices:</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;"><br>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>Mr. Gerald I. White</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>Grace &amp; White, Inc.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>515 Madison Ave.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>Suite 1700</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>NY NY, 10022</div>
            </td>
          </tr>

      </table>
      <div>
        <div><br>
        </div>
        <br>
        <div style="text-align: center;">[Stock Purchase Agreement]</div>
        <div>
          <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.29
<SEQUENCE>9
<FILENAME>brhc10022486_ex10-29.htm
<DESCRIPTION>EXHIBIT 10.29
<TEXT>
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      <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 10.29</font><br>
      </div>
      <div> <br>
      </div>
      <div>
        <div>
          <div style="text-align: right; font-weight: bold;">EXECUTION VERSION</div>
        </div>
        <div><br>
        </div>
        <div style="text-align: center;">BROADWAY FINANCIAL CORPORATION</div>
        <div><br>
        </div>
        <div style="text-align: center;">STOCK PURCHASE AGREEMENT</div>
        <div><br>
        </div>
        <div style="text-align: center;">February 19, 2021</div>
        <div><br>
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        <div style="text-align: center; font-weight: bold;">&#160;<u>TABLE OF CONTENTS</u></div>
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                <div><u>Page</u></div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 1.</font><font style="font-size: 10pt;"> PURCHASE&#894; CLOSING</font></div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
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              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">1.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Issuance, Sale and Purchase</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">1.2</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Closing; Deliverables for the Closing; Conditions to the Closing</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 2.</font><font style="font-size: 10pt;"> REPRESENTATIONS AND WARRANTIES</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">4</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Certain Terms</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">4</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.2</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Representations and Warranties of the Company</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.3</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Representations and Warranties of the Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">20</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div><font style="font-weight: bold;">ARTICLE 3.</font> COVENANTS</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">22</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Conduct of Business Prior to Closing</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">22</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.2</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Use of Proceeds</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">22</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.3</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Regulatory Filings</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.4</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Confidentiality</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.5</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Publicity</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.6</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Commercially Reasonable Efforts</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.7</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">Legend</font><font style="font-size: 10pt;">.</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.8</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Exchange Listing</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.9</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Authorized Shares</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.10</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Rule 144 Reporting</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 4.</font><font style="font-size: 10pt;"> TERMINATION</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">4.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Termination</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">4.2</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Effects of Termination</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div><font style="font-weight: bold;">ARTICLE 5.</font> INDEMNITY</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.1</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification by the Company</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.2</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification by the Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.3</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Notification of Claims</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.4</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification Payment</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.5</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Exclusive Remedies</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td rowspan="1" colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 6.</font><font style="font-size: 10pt;"> MISCELLANEOUS</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Survival</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
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              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <td rowspan="1" style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
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              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.3</div>
              </td>
              <td rowspan="1" style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              </td>
              <td rowspan="1" style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>

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              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Governing Law</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
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            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
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            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.7</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Notices</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
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            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
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              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.8</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Entire Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
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            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.9</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Successors and Assigns</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
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              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.10</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Captions</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
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            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.11</div>
              </td>
              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Severability</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
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            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.12</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Third Party Beneficiaries</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
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            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
            <tr>
              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.13</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Public Announcements</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">35</div>
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            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.14</div>
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              <td style="width: 89%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Specific Performance</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">35</div>
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            <tr>
              <td rowspan="1" colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 4%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 89%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
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              <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 4%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.15</div>
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                <div style="font-weight: bold;">No Recourse to Other Persons</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">35</div>
              </td>
            </tr>

        </table>
        <div style="text-align: center; font-weight: bold;"><u> <br>
          </u></div>
        <div style="text-align: center; font-weight: bold;"><u>INDEX OF DEFINED TERMS</u></div>
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          </u></div>
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            <tr>
              <td rowspan="1" style="width: 95%; vertical-align: top;">&#160;</td>
              <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
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                <div>Action</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">8</div>
              </td>
            </tr>
            <tr>
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                <div>Affiliate</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Agency</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Authorized Shares Increase Approval</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Bank Merger</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
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                <div>Benefit Plans</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">16</div>
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            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Board of Directors</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
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            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Business Day</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Capital Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>CDFI</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
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            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>CFB</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
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                <div>Class A Common Stock</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Class B Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
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            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Class C Common Stock</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Closing</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
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            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Closing Date</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Code</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
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                <div>Company Employees</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Financial Statements</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Indemnified Parties</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Insurance Policies</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">15</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company IT Assets</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">10</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">ii</font></div>
          <div id="DSPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0);"></div>
        </div>
        <!--PROfilePageNumberReset%LCR%3%%%-->
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="zf2792361e02743af8896079c39759664">

            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Reports</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Specified Representations</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Stock Plan</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Subsidiaries</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Subsidiary</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Concurrent Other Transactions</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>control</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>controlled by</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>controlling</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Disclosure Schedule</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Disqualification Event</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">18</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>EESA</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>ERISA</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>ERISA Affiliate</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Exchange Act</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>FDIC</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>GAAP</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Governmental Authorizations</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">13</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Governmental Consent</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Governmental Entity</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Indemnified Party</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Indemnifying Party</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Insider</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">19</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Insurer</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Intellectual Property Rights</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">15</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Investment</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Investor Indemnified Parties</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Investor Specified Representations</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Knowledge</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Law</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">14</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Liens</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">8</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Loan Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Losses</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Material Adverse Effect</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">4</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Merger</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Merger Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Merger Transactions</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Multiemployer Plan</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Non-Voting Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>OFAC</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">12</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Parties</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Per Share Purchase Price</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Person</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Personal Information</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">11</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">iii</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <!--PROfilePageNumberReset%LCR%4%%%-->
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="za74faf5d726c4d098cb18f0268f033b6">

            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Placement Agents</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Preferred Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Previously Disclosed</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Privacy Laws</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">11</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Purchase Price</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Registration Statement</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">21</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Rule 506</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">18</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>SEC</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Securities Act</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Shares</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>SLHCA Act</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Stockholder Approval</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Subsidiary</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Surviving Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Tax</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Tax Return</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Taxes</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Third Party Claim</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Threshold Amount</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>under common control with</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Voting Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Voting Debt</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Voting Securities</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">iv</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;"><u>STOCK PURCHASE AGREEMENT</u></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">THIS STOCK PURCHASE AGREEMENT </font><font style="font-size: 10pt;">(as amended, supplemented or otherwise modified from time
            to time, this &#8220;<font style="font-weight: bold;"><u>Agreement</u></font>&#8221;) is dated as of February 19, 2021, and is entered into by and among Broadway Financial Corporation, a Delaware corporation (the &#8220;<font style="font-weight: bold;"><u>Company</u></font>&#8221;),


            and Mr. Gerald I. White, in his capacity as the trustee for the Grace &amp; White, Inc. Profit Sharing Plan (the &#8220;<font style="font-weight: bold;"><u>Investor</u></font>&#8221;, and together with the Company, the &#8220;<font style="font-weight: bold;"><u>Parties</u></font>&#8221;).</font></div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><u>RECITALS</u></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><a name="z_Hlk53516059"></a><font style="font-weight: bold;">WHEREAS</font>, the Company is a party to that certain Agreement and Plan of Merger (the &#8220;<font style="font-weight: bold;"><u>Merger
              Agreement</u></font>&#8221;) with CFBanc Corporation, a District of Columbia benefit corporation (&#8220;<font style="font-weight: bold;"><u>CFB</u></font>&#8221;) which provides, among other things and subject to the terms and conditions of the Merger
          Agreement, for (i) the merger of CFB with and into the Company, with the Company continuing as the surviving entity in the Merger (the &#8220;<font style="font-weight: bold;"><u>Merger</u></font>&#8221;), (ii) <font style="color: rgb(38, 38, 38);">immediately

            following the Merger, Broadway Federal Bank, f.s.b., a wholly owned subsidiary of the Company, will merge with and into City First Bank of D.C., National Association (&#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>CFB Sub</u></font><font style="color: rgb(38, 38, 38);">&#8221;), a wholly owned subsidiary of CFB (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Bank Merger</u></font><font style="color: rgb(38, 38, 38);">&#8221; and together with the Merger and </font>the


          other transactions contemplated by the Merger Agreement, the &#8220;<font style="font-weight: bold;"><u>Merger Transactions</u></font>&#8221;)<font style="color: rgb(38, 38, 38);">, with CFB Sub continuing as the surviving entity (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Surviving Bank</u></font><font style="color: rgb(38, 38, 38);">&#8221;)</font>, and (iii) the Company&#8217;s voting common stock, par value $0.01 per share, will be renamed Class A Common Stock (&#8220;<font style="font-weight: bold;"><u>Class A Common Stock</u></font>&#8221;), a new class of non-voting common stock of the Company, par value $0.01 per share, will be created which will be named Class B Common Stock (&#8220;<font style="font-weight: bold;"><u>Class


              B Common Stock</u></font>&#8221;) and the Company&#8217;s currently authorized non-voting common stock, par value $0.01 per share, will be renamed Class C Common Stock (the &#8220;<font style="font-weight: bold;"><u>Class C Common Stock</u></font>&#8221; and
          collectively, the &#8220;<font style="font-weight: bold;"><u>Common Stock</u></font>&#8221; );</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company has engaged Raymond James &amp; Associates, Inc. and Keefe, Bruyette
            &amp; Woods, Inc. as co-placement agents (the &#8220;<font style="font-weight: bold;"><u>Placement Agents</u></font>&#8221;) for the offering of the Common Stock.</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company desires to issue and sell to the Investor, and the Investor desires
            to purchase from the Company, on the terms and conditions described herein, shares of Class A Common Stock at the Per Share Purchase Price specified herein (the &#8220;<font style="font-weight: bold;"><u>Investment</u></font>&#8221;);</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made subject to completion of the Merger
            Transactions;</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made concurrently with the sale by the Company
            of shares of Class A Common Stock and Class C Common Stock at the Per Share Purchase Price via private placement to certain other investors (the &#8220;<font style="font-weight: bold;"><u>Concurrent Other Transactions</u></font>&#8221;); and</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">NOW, THEREFORE</font><font style="font-size: 10pt;">, in consideration of the premises, and of the respective representations,
            warranties, covenants and other agreements of the Parties set forth herein, the Parties hereby agree as follows:</font></div>
        <div>&#160;</div>
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        <!--PROfilePageNumberReset%Num%2%%%-->
        <div style="text-align: center; font-size: 12pt; font-weight: bold;">&#160;<font style="font-size: 10pt;">ARTICLE 1.</font><font style="font-size: 10pt;"><br>
            <br>
            <a name="z_Toc53655903"></a><a name="z_Toc55380678"></a><a name="z_Toc56510574"></a><a name="z_Toc63868748"></a>PURCHASE&#894; CLOSING</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655904"></a><a name="z_Toc55380679"></a><a name="z_Toc56510575"></a><a name="z_Toc63868749"></a><font style="font-weight: bold;">1.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Issuance, Sale and Purchase</u></font>.&#160; On the terms and subject to the conditions set forth herein, the Company agrees to issue and sell to the Investor, and the Investor agrees to purchase from the Company, free and clear of any
          Liens, 160,000 shares of Class A Common Stock (the &#8220;<font style="font-weight: bold;"><u>Shares</u></font>&#8221;) at a per share purchase price of $1.78 (the &#8220;<font style="font-weight: bold;"><u>Per Share Purchase Price</u></font>&#8221;), payable to the
          Company in immediately available funds at the Closing.&#160; The aggregate purchase price payable pursuant to this Section 1.1 is referred to herein as the &#8220;<font style="font-weight: bold;"><u>Purchase Price</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655905"></a><a name="z_Toc55380680"></a><a name="z_Toc56510576"></a><a name="z_Toc63868750"></a><font style="font-weight: bold;">1.2</font>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Closing; Deliverables for the Closing; Conditions to the Closing</u></font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing</u></font>.&#160; Unless this Agreement has been terminated pursuant to Article 4, and subject to the satisfaction or, to the extent permitted
          by Law and this Agreement, the written waiver of the conditions set forth in Section 1.2(c), the closing of the transaction contemplated by this Agreement (the &#8220;<font style="font-weight: bold;"><u>Closing</u></font>&#8221;) shall take place at the
          offices of Arnold &amp; Porter LLP, located at 777 South Figueroa Street, 44th Floor, Los Angeles, California 90017, or remotely via the electronic or other exchange of documents and signature pages, at 9:00 a.m. Pacific Time on the second
          Business Day after the satisfaction or, if permissible, waiver of the conditions set forth in Section 1.2(c) (other than those which by their nature are to be satisfied at Closing, but subject to the satisfaction or waiver of such conditions), or
          at such other place or such other date as may be agreed to by the Parties (the &#8220;<font style="font-weight: bold;"><u>Closing Date</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Closing Deliverables</u></font>.&#160; Subject to the satisfaction or permitted waiver of the conditions to the Closing set forth in Section 1.2(c), at
          the Closing the Parties shall make the following deliveries:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Company shall deliver to the Investor one or more certificates evidencing the Shares registered in the name of the Investor (or if the Shares are to be uncertificated, the
          Company shall deliver appropriate evidence of such registration of the Shares in the name of the Investor);</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; the Company shall deliver to the Investor a schedule setting forth the aggregate number of shares of each class of Capital Stock outstanding immediately after giving effect to the
          Merger Transactions, the Concurrent Other Transactions and the transactions contemplated hereby; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the Investor shall deliver the Purchase Price by wire transfer of immediately available funds to the account specified by the Company for this purpose by notice to the Investor
          prior to the Closing.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref53247642"></a>(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Closing Conditions</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligations of the Investor, on the one hand, and the Company, on the other hand, to consummate the purchase and sale of the Shares provided for in this Agreement are each
          subject to the satisfaction or, to the extent permitted by Law and this Agreement, the waiver by the Company or the Investor, as applicable, of the following conditions to the Closing under this Agreement:</div>
        <div>&#160;</div>
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          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; All Governmental Consents required to have been obtained at or prior to the Closing Date in connection with the execution, delivery or performance of this Agreement and the
          consummation of the transactions contemplated hereby shall have been obtained and shall be in full force and effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160; &#160;&#160; The Merger Transactions shall have been consummated in accordance with the Merger Agreement, including the approval of the Merger Agreement by the stockholders of each of the Company
          and CFB;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If required under applicable Law or the rules and regulations of the Nasdaq Stock Market, the approval by stockholders of the Company of resolutions providing for the Company&#8217;s
          issuance of the maximum number of shares of Common Stock to be issued under this Agreement and in the Concurrent Other Transactions in accordance with this Agreement, the definitive documentation relating to the Concurrent Other Transactions, and
          applicable Law and the rules and regulations of the Nasdaq Stock Market (such approval being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Stockholder Approval</u></font>&#8221;) shall have been obtained;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Approval by the stockholders of the Company to increase in the authorized number of shares of Voting Common Stock (which will become Class A Common Stock upon completion of the
          Merger) from 50,000,000 shares to 75,000,000 shares, to be effected by the filing of an amended and restated certificate of incorporation of the Company (the &#8220;<font style="font-weight: bold;"><u>Authorized Shares Increase Approval</u></font>&#8221;),<font style="font-weight: bold;">&#160;</font>shall have been obtained.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Investor to consummate the purchase of Shares provided for in this Agreement is also subject to the satisfaction or waiver by the Investor of the following
          conditions to the Closing:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (i) The Company Specified Representations shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on and as
          of the Closing Date and (ii) the other representations and warranties of the Company set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on
          and as of the Closing Date, except, in the case of this clause (ii) only, to the extent that the failure to be true and correct (without regard to any materiality or Material Adverse Effect qualifications contained therein), would not reasonably
          be expected to have, individually or in the aggregate, a Material Adverse Effect and except, in the case of clauses (i) and (ii), that representations and warranties made as of a specified date shall be true and correct as of such date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior to
          the Closing Date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Investor shall have received a certificate, dated as of the Closing Date, signed on behalf of the Company by a senior executive officer certifying to the effect that the
          conditions set forth in Section 1.2(c)(ii)(A), Section 1.2(c)(ii)(B) and Section 1.2(c)(ii)(D) have been satisfied on and as of the Closing Date; and</div>
        <div>&#160;</div>
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          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Since the date of this Agreement, no Material Adverse Effect shall have occurred and no change or other event shall have occurred that would reasonably be expected to have,
          individually or in the aggregate, a Material Adverse Effect;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Company to consummate the sale of the Shares provided for in this Agreement is also subject to the satisfaction or written waiver by the Company of the
          following conditions to the Closing:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The representations and warranties of the Investor set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the
          Closing Date as though made on and as of the Closing Date, except to the extent that the failure to be true and correct (without regard to any materiality qualifications contained therein) would not materially adversely affect the ability of the
          Investor to perform its obligations hereunder and except that (1) representations and warranties made as of a specified date shall be true and correct as of such date and (2) the representations and warranties of the Investor set forth in
          Sections 2.3(d) and 2.3(f) shall be true and correct in all respects;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Investor shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior
          to the Closing Date; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company shall have received a certificate, dated as of the Closing Date, signed on behalf of the Investor by a duly authorized person certifying to the effect that the conditions
          set forth in Section 1.2(c)(iii)(A) and Section 1.2(c)(iii)(B) have been satisfied on and as of the Closing Date.</div>
        <div style="text-align: center; font-size: 12pt; font-weight: bold;"><font style="font-size: 10pt;"> <br>
          </font></div>
        <div style="text-align: center; font-size: 12pt; font-weight: bold;"><font style="font-size: 10pt;">ARTICLE 2.</font><font style="font-size: 10pt;"><br>
            <br>
            <a name="z_Toc53655906"></a><a name="z_Toc55380681"></a><a name="z_Toc56510577"></a><a name="z_Toc63868751"></a>REPRESENTATIONS AND WARRANTIES</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655907"></a><a name="z_Toc55380682"></a><a name="z_Toc56510578"></a><a name="z_Toc63868752"></a><font style="font-weight: bold;">2.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Certain Terms</u>.</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160; &#160; &#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Material Adverse Effect</u></font>&#8221; means any circumstance, event, change, development or effect that,
          individually or in the aggregate, would reasonably be expected to (i) result in a material adverse effect on the assets, liabilities, business, financial condition or results of operations of the Company and the Company Subsidiaries, taken as a
          whole, or (ii) materially impair or delay the ability of the Company or any of the Company Subsidiaries to perform its or their obligations under this Agreement to consummate the Closing or any of the transactions contemplated hereby; provided,
          however, that in determining whether a Material Adverse Effect has occurred under clause (i), there shall be excluded any circumstance, event, change, development or effect to the extent resulting from (A) actions or omissions of the Company or
          any Company Subsidiary expressly required or contemplated by the terms of this Agreement, (B) changes after the date hereof in general economic conditions in the United States, including financial market volatility or downturns, or in the markets
          in which the Company and the Company Subsidiaries operate, (C) changes after the date hereof affecting the banking industry generally, (D) any changes after the date hereof in applicable Laws or accounting rules or principles, including changes
          in GAAP, (E) changes in the market price or trading volume of the Common Stock or the Company&#8217;s other outstanding securities (but not the underlying causes of such changes), (F) any epidemic, pandemic or disease outbreak (including the Covid-19
          virus) including any worsening of such conditions; or (G) any failure by the Company or any of the Company Subsidiaries to meet any internal projections or forecasts with regard to the assets, liabilities, business, financial condition or results
          of operations of the Company and the Company Subsidiaries, taken as a whole (but not the underlying causes of such failure), in each case to the extent that such circumstance, event, change, development or effect referred to in clauses (B), (C)
          and (D) do not have a disproportionate effect on the Company and the Company Subsidiaries compared to other participants in the industries or markets in which the Company and the Company Subsidiaries operate.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Previously Disclosed</u></font>&#8221; (i) with regard to any Party, means information set forth in its Disclosure
          Schedule under Section references corresponding with the provision of this Agreement to which such information relates (including, in the case of the Company, information identified in the Company&#8217;s Disclosure Schedule); provided, however, that
          if such information is disclosed in such a way as to make its relevance or applicability to another provision of this Agreement reasonably apparent on its face, such information shall be deemed to be responsive to such other provision of this
          Agreement and (ii) with regard to the Company, includes information publicly disclosed by the Company in any reports, schedules, forms, statements and other documents filed or furnished by the Company under the Securities Act and the Exchange Act
          with the Securities and Exchange Commission (the &#8220;<font style="font-weight: bold;"><u>SEC</u></font>&#8221;), including pursuant to Section 13(a) or 15(d) thereof, since December 31, 2017, in each case available prior to the date of this Agreement
          (excluding any risk factor disclosures contained in such documents under the heading &#8220;Risk Factors&#8221; and any disclosure of risks included in any &#8220;forward-looking statements&#8221; disclaimer or other statements that are similarly non-specific and are
          predictive or forward-looking in nature). Notwithstanding anything in this Agreement to the contrary, the mere inclusion of an item in a Disclosure Schedule shall not be deemed an admission that such item represents a material exception or
          material fact, event or circumstance or that such item has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655908"></a><a name="z_Toc55380683"></a><a name="z_Toc56510579"></a><a name="z_Toc63868753"></a><font style="font-weight: bold;">2.2</font>&#160; &#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations

              and Warranties of the Company</u></font>. &#160; Except as Previously Disclosed, the Company hereby represents and warrants to the Investor, as of the date of this Agreement and as of the Closing Date (except for the representations and warranties
          that are as of a specific date, which are made as of that date) that: </div>
        <div><br>
        </div>
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          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">5</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; Each of the Company and the Company Subsidiaries is a corporation or other entity duly organized and validly
          existing under the laws of the jurisdiction of its incorporation or organization. Each of the Company and the Company Subsidiaries is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of
          property or the conduct of its business requires it to be so qualified, except where any failure to be so qualified would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.&#160; Each of the Company and
          the Company Subsidiaries has the corporate or other organizational power and authority to own its properties and assets and to carry on its business as it is now being conducted.&#160; The Company has Previously Disclosed correct and complete copies
          of the certificate of incorporation and bylaws (or similar governing documents) as amended through the date of this Agreement for the Company and Broadway Federal Bank, f.s.b. (the &#8220;<font style="font-weight: bold;"><u>Bank</u></font>&#8221;).&#160; The
          Company is duly registered with the Board of Governors of the Federal Reserve System (the &#8220;<font style="font-weight: bold;"><u>Federal Reserve</u></font>&#8221;) as a savings and loan holding company under the Savings and Loan Holding Company Act, as
          amended, 12 U.S.C. 1467a (the &#8220;<font style="font-weight: bold;"><u>SLHCA Act</u></font>&#8221;).&#160; As of the date hereof, the Company is a certified &#8220;community development financial institution&#8221; designated as such under the Community Development Banking
          and Financial Institutions Act of 1994, as amended (12 U.S.C. Sections 5311 et seq.) and its implementing regulations, as applicable (a &#8220;<font style="font-weight: bold;">CDFI</font>&#8221;).&#160; Following the consummation of the Bank Merger, the Surviving
          Bank will apply to be designated as a CDFI.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Company Subsidiaries</u></font>.&#160; As of the date of this Agreement, the Company has Previously Disclosed a true, complete and correct list of each
          entity in which the Company, directly or indirectly, owns sufficient capital stock or holds a sufficient equity or similar interest such that it is consolidated with the Company in the financial statements of the Company or has the power to elect
          a majority of the board of directors or other persons performing similar functions (each, a &#8220;<font style="font-weight: bold;"><u>Company Subsidiary</u></font>&#8221; and, collectively, the &#8220;<font style="font-weight: bold;"><u>Company Subsidiaries</u></font>&#8221;).&#160;


          Except for the Company Subsidiaries and as Previously Disclosed, the Company does not own beneficially or control, directly or indirectly, more than 5% of any class of equity securities or similar interests of any corporation, bank, business
          trust, association or similar organization, and is not, directly or indirectly, a partner in any general partnership or party to any joint venture or similar arrangement.&#160; The Company owns, directly or indirectly, all of its interests in each
          Company Subsidiary free and clear of any and all Liens.&#160; No equity security of any Company Subsidiary is or may be required to be issued by reason of any option, warrant, scrip, preemptive right, right to subscribe to, gross-up right, call or
          commitment of any character whatsoever relating to, or security or right convertible into, shares of any capital stock or other interest of such Company Subsidiary, and there are no contracts, commitments, understandings or arrangements by which
          any Company Subsidiary is bound to issue additional shares of its capital stock or other interest, or any option, warrant or right to purchase or acquire any additional shares of its capital stock.&#160; The deposit accounts of the Bank are insured by
          the Federal Deposit Insurance Corporation (&#8220;<font style="font-weight: bold;"><u>FDIC</u></font>&#8221;) to the fullest extent permitted by the Federal Deposit Insurance Act, as amended, and the rules and regulations of the FDIC thereunder, and all
          premiums and assessments required to be paid in connection therewith have been paid when due (after giving effect to any applicable extensions). The Company beneficially owns all of the outstanding capital securities of, and has sole control of,
          the Bank.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Capitalization</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as set forth on the Disclosure Schedule, as of the date hereof, the authorized Capital Stock of the Company consists of 50,000,000 shares of Voting Common Stock, par value
          $0.01 per share (&#8220;<font style="font-weight: bold;"><u>Voting Common Stock</u></font>&#8221;), 25,000,000 shares of Non-Voting Common Stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Non-Voting Common Stock</u></font>&#8221;), and 1,000,000 shares
          of preferred stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Preferred Stock</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">6</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, before giving effect to the transaction provided for herein, the Merger Transactions and the Concurrent Other Transactions the Company has issued and
          outstanding: (i)&#160;19,281,758 of shares of Voting Common Stock, including 556,169 shares of Voting Common Stock granted in respect of outstanding restricted stock awards, (ii) 1,637,902 shares of Voting Common Stock held by the trust for the
          Broadway Federal Bank, f.s.b. Employee Stock Ownership Plan, and (iii) 8,756,396 shares of Non-Voting Common Stock.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, other than in respect of awards outstanding under or issuable pursuant to the Company&#8217;s 2008 Long-Term Incentive Plan (the &#8220;<font style="font-weight: bold;"><u>Company


              Stock Plan</u></font>&#8221;) consisting of options to purchase an aggregate of 450,000 shares of common stock, and except in connection with this Agreement and the transactions contemplated hereby, the Merger Agreement and the Concurrent Other
          Transactions, the Company has not (A) agreed to issue or authorized the issuance after the date hereof of any shares of Common Stock or Preferred Stock, or any securities convertible into or exchangeable or exercisable for shares of Common Stock
          or Preferred Stock, (B) reserved for issuance any shares of Capital Stock of the Company or (C) repurchased or redeemed, or agreed to or authorized the repurchase or redemption of, any shares of Capital Stock of the Company.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; All of the issued and outstanding shares of Capital Stock of the Company have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights,
          except for the preemptive rights granted to certain institutional stockholders of the Company identified on Schedule 2.2(c)(iv) of the Company&#8217;s Disclosure Schedule.&#160; None of the outstanding shares of Capital Stock or other securities of the
          Company or any of the Company Subsidiaries was issued, sold or offered by the Company or any Company Subsidiary in violation of the Securities Act of 1933, as amended (the &#8220;<font style="font-weight: bold;"><u>Securities Act</u></font>&#8221;) or the
          securities or blue sky laws of any state or jurisdiction, or in violation of any agreement, arrangement or commitment to which the Company was or is a party or subject, or in violation of any preemptive or similar rights of any Person.&#160; No bonds,
          debentures, notes or other indebtedness having the right to vote on any matters on which the stockholders of the Company may vote (&#8220;<font style="font-weight: bold;"><u>Voting Debt</u></font>&#8221;) are issued and outstanding.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date of this Agreement, except for the outstanding awards under the Company Stock Plan, the Company does not have and is not bound by any outstanding subscriptions,
          options, warrants, calls, commitments or agreements of any character calling for the purchase or issuance of, or securities or rights convertible into or exchangeable or exercisable for, any shares of Capital Stock or Voting Debt of the Company.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160; &#160; &#160;&#160;&#160; The Company has the corporate power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The Board of Directors has approved the
          transactions contemplated by this Agreement.&#160; This Agreement has been duly and validly executed and delivered by the Company and, assuming due authorization, execution and delivery by the Investor, is the valid and binding obligation of the
          Company enforceable against the Company in accordance with its terms, except as enforcement may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to
          or affecting creditors&#8217; rights or by general equity principles (whether applied in equity or at law).</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">7</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160; Neither the execution and delivery by the Company of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Company with any of the
          provisions hereof, will, with or without the passage of time and giving of notice, (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would
          constitute a default) under, or result in the termination of, or result in the loss of any benefit or creation of any right on the part of any third party under, or accelerate the performance required by, or result in a right of termination or
          acceleration of, or result in the creation of any liens, charges, adverse rights or claims, pledges, covenants, title defects, security interests or other encumbrances of any kind (&#8220;<font style="font-weight: bold;"><u>Liens</u></font>&#8221;) upon any
          of the properties or assets of the Company or any Company Subsidiary, under any of the terms, conditions or provisions of (1) the certificate of incorporation or bylaws (or similar governing documents) of the Company and each Company Subsidiary
          or (2) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Company or any of the Company Subsidiaries is a party or by which it may be bound, or to which the Company or any
          of the Company Subsidiaries, or any of the properties or assets of the Company or any of the Company Subsidiaries may be subject, or (B) violate any Law applicable to the Company or any of the Company Subsidiaries or any of their respective
          properties or assets except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
          delivery of this Agreement or for the sale by the Company of Common Stock to the Investor pursuant to this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Litigation and Other Proceedings</u></font>.&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material
          Adverse Effect, or as would not reasonably be expected to adversely impact the reputation of the Company, the Company Subsidiaries or their respective investors in any material respect, there is no pending or, to the Knowledge of the Company,
          threatened claim, action, suit, arbitration, complaint, charge or investigation or proceeding (each an &#8220;<font style="font-weight: bold;"><u>Action</u></font>&#8221;) against the Company or any Company Subsidiary or any of their respective assets,
          rights or properties, nor is the Company or any Company Subsidiary a party or named as subject to the provisions of any order, writ, injunction, settlement, judgment or decree of any court, arbitrator or government agency, or instrumentality.&#160;
          There has not been, and to the Knowledge of the Company, there is not pending or contemplated, any investigation or other Action by the SEC involving the Company or any current or former director or officer of the Company in his or her capacity
          as such.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">8</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Financial Statements</u></font>.&#160; The audited consolidated balance sheets of the Company and the Company Subsidiaries and the related
          consolidated statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s Annual Report on Form 10-K filed with the SEC for the year ended December 31, 2019 and the unaudited
          consolidated balance sheets of the Company and the Company Subsidiaries and the related unaudited consolidated statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s
          quarterly reports on Form 10-Q filed with the SEC for the quarterly period ending September 30, 2020 (the &#8220;<font style="font-weight: bold;"><u>Company Financial Statements</u></font>&#8221;) (i) have been prepared from, and are in accordance with, the
          books and records of the Company and the Company Subsidiaries, (ii) complied, as of the date of such filing, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect
          thereto, (iii) have been prepared in accordance with GAAP applied on a consistent basis and (iv) present fairly in all material respects the consolidated financial position of the Company and the Company Subsidiaries at the dates and the
          consolidated results of operations, changes in stockholders&#8217; equity and cash flows of the Company and the Company Subsidiaries for the periods stated therein.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Reports</u></font>.&#160; Since December 31, 2017, the Company and each Company Subsidiary have filed all material reports, registrations, documents,
          filings, statements and submissions, together with any required amendments thereto, that they were required to file with any Governmental Entity, including all those required under the Exchange Act, including pursuant to Section 13(a) or 15(d)
          thereof (the foregoing, collectively, being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Company Reports</u></font>&#8221;) and have paid all material fees and assessments due and payable in connection therewith.&#160; As of their
          respective filing dates, or as subsequently amended prior to the date hereof, the Company Reports complied in all material respects with all statutes and applicable rules and regulations of the applicable Governmental Entities.&#160; As of the date of
          this Agreement, there are no outstanding comments from the SEC or any other Governmental Entity with respect to any Company Report that were the subject of written correspondence that have not been resolved.&#160; The Company Reports, including the
          documents incorporated by reference in each of them, each contained all the information required to be included in it and, when it was filed and, as of the date of each such Company Report filed with the SEC, or if amended prior to the date of
          this Agreement, as of the date of such amendment, did not contain an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made in it, in light of the circumstances under which they were
          made, not misleading and complied as to form in all material respects with the applicable requirements of the Securities Act and the Securities Exchange Act of 1934, as amended (the &#8220;<font style="font-weight: bold;"><u>Exchange Act</u></font>&#8221;).&#160;
          No executive officer of the Company has failed in any respect to make the certifications required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act of 2002.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">9</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Internal Accounting and Disclosure Controls</u></font>.&#160; The records, systems, controls, data and information of the Company and the Company
          Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of the Company or the
          Company Subsidiaries (including all means of access thereto and therefrom) or reputable banking industry service providers, except for any non-exclusive ownership and non-direct control that would not reasonably be expected to have an adverse
          effect on the system of internal accounting controls described below in this Section 2.2(i).&#160; The Company (i) has implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) intended to ensure
          that material information relating to the Company, including its consolidated Subsidiaries, is made known to the chief executive officer and the chief financial officer of the Company by others within those entities, and (ii) has disclosed, based
          on its most recent evaluation prior to the date of this Agreement, to the Company&#8217;s outside auditors and the audit committee of the Board of Directors (A) any significant deficiencies and material weaknesses in the design or operation of internal
          control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) that are reasonably likely to adversely affect the Company&#8217;s ability to record, process, summarize and report financial information, and (B) any fraud, whether or
          not material, that involves management or other employees who have a significant role in the Company&#8217;s internal controls over financial reporting.&#160; As of the date of this Agreement, the Company has no Knowledge of any reason that its outside
          auditors and its chief executive and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act of 2002, without
          qualification, when due.&#160; Since December 31, 2017, neither the Company nor any Company Subsidiary nor, to the Knowledge of the Company, any director, officer, employee, auditor, accountant or representative of the Company or any Company
          Subsidiary has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods of the Company
          or any Company Subsidiary or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that the Company or any Company Subsidiary has engaged in questionable accounting or auditing practices.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref_ContractCompanion_9kb9Ur04C"></a>(j)&#160;&#160;&#160; &#160; &#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Data Privacy</u></font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries have taken commercially reasonable steps consistent with customary industry practices to protect the
          confidentiality, integrity, availability and security of the computers, servers, workstations, routers, hubs, switches, circuits, networks and other information technology equipment owned or controlled by them or by any third party and material
          to the Company and the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company IT Assets</u></font>&#8221;) (and all information and transactions stored or contained therein or transmitted thereby) against any unauthorized use, access,
          interruption, modification or corruption, and there has been no unauthorized use, access, interruption, modification or corruption of the Company IT Assets.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">10</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; In connection with their receipt, purchase, collection, securing, safeguarding, storage, transfer (including any transfer across national
          borders), disclosure, destruction/disposal, and/or use or other processing of any Personal Information, each of the Company and the Company Subsidiaries, is and has been, in material compliance with all Privacy Laws, their respective privacy
          policies and the requirements of any contract or codes of conduct to which any of the Company or the Company Subsidiaries is a party.&#160; The privacy policies of the Company are customary for the industry in which the Company operates.&#160; The Company
          and the Company Subsidiaries have commercially reasonable and appropriate physical, technical, organizational, and administrative security measures and policies in place designed to protect all Personal Information collected by them or on their
          behalf from and against unauthorized access, use, interruption, modification, corruption, and/or disclosure.&#160; The Company and the Company Subsidiaries have binding written agreements obligating (in accordance with and as required by Privacy Laws
          (as applicable)) all third parties collecting, accessing, receiving, storing or processing Personal Information on behalf of the Company and the Company Subsidiaries to (i) comply with all applicable Privacy Laws, (ii) take commercially
          reasonable and appropriate steps to protect and secure such Personal Information from and against unauthorized access, use interruption, modification, corruption, and/or disclosure which are no less stringent than those applied by the Company and
          the Company Subsidiaries and (iii) promptly notify the Company and the Company Subsidiaries of any unauthorized access, use interruption, modification, corruption, and/or disclosure of Personal Information or Company IT Assets processing Personal
          Information.&#160; The Company and the Company Subsidiaries are, and since December 31, 2017, have been, in compliance in all material respects with all Privacy Laws and any other applicable Laws in all relevant jurisdictions relating to data loss,
          theft and breach of security notification obligations.&#160; Since December 31, 2017, none of the Company or any of the Company Subsidiaries has experienced a material breach of its information technology systems or a data loss or theft as defined by
          the Laws in all relevant jurisdictions.&#160; None of the Company or any of the Company Subsidiaries has been charged with, or received any notice of any claims of, the violation in any material respect of any Privacy Laws or any of their respective
          privacy policies.&#160; The consummation of the transactions contemplated hereby will not breach or otherwise cause any violation of any Privacy Law.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; For the purposes of this <u>Section&#160;2.2(j):</u></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(1)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#8220;<u>Personal Information</u>&#8221; means, in addition to any definition provided by applicable law or by the Company and the Company
          Subsidiaries in any of their respective privacy policies, contracts, or other public-facing statements for any similar term (<font style="font-style: italic;">e.g.</font>, &#8220;personally identifiable information&#8221; or &#8220;PII&#8221;), all information
          identifying, regarding or capable of being associated with an individual person or device.&#160; Personal Information may relate to any individual, including a current, prospective or former client (or a client&#8217;s customer or end user) or employee of
          any Person, and includes information in any form, including paper, electronic and other forms.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(2)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<u>Privacy Laws</u>&#8221; means all applicable laws, legal requirements, and self-regulatory guidelines and principles relating to privacy, data
          security, and Personal Information and similar applicable consumer protection laws, including with respect to the receipt, collection, compilation, use, storage, processing, sharing, safeguarding, security, disposal, destruction, disclosure or
          transfer of Personal Information and any and all applicable laws governing breach notification in connection with Personal Information.&#160; As used in this Agreement, &#8220;Privacy Laws&#8221; shall include the California Consumer Privacy Act, General Data
          Protection Regulation and the rules and regulations promulgated thereunder, and applicable state laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Undisclosed Liabilities</u></font>.&#160; There are no liabilities of the Company or any of the Company Subsidiaries of any kind whatsoever, whether
          accrued, contingent, absolute, determined, determinable or otherwise, except for (i) liabilities adequately reflected or reserved against in accordance with GAAP in the Company&#8217;s audited balance sheet as of December 31, 2019 and (ii) liabilities
          that have arisen in the ordinary and usual course of business and consistent with past practice since December 31, 2019 and that have not or would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">11</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Mortgage Lending</u></font>.&#160; The Company and each of the Company Subsidiaries have complied in all material respects with, and all documentation
          in connection with the origination, processing, underwriting and credit approval of any mortgage loan originated, purchased or serviced by the Company or any Company Subsidiary has satisfied, in all material respects (i) all Laws with respect to
          the origination, insuring, purchase, sale, servicing, or filing of claims in connection with mortgage loans, including all Laws relating to real estate settlement procedures, consumer credit protection, truth in lending laws, usury limitations,
          fair housing, transfers of servicing, collection practices, equal credit opportunity and adjustable rate mortgages, (ii) the responsibilities and obligations relating to mortgage loans set forth in any agreement between the Company and any
          Agency, Loan Investor or Insurer, (iii) the applicable rules, regulations, guidelines, handbooks and other requirements of any Agency, Loan Investor or Insurer and (iv) the terms and provisions of any mortgage or other collateral documents and
          other loan documents with respect to each mortgage loan.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Bank Secrecy Act; Anti-Money Laundering; OFAC; and Customer Information</u></font>.&#160; The Company is not aware of, has not been advised of, and, to
          the Knowledge of the Company, has no reason to believe that any facts or circumstances exist that would cause it or any Company Subsidiary to be deemed to be not operating in compliance, in all material respects, with the Bank Secrecy Act of
          1970, as amended, the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (also known as the USA PATRIOT Act), any order or regulation issued by the Treasury&#8217;s Office of
          Foreign Assets Control (&#8220;<font style="font-weight: bold;"><u>OFAC</u></font>&#8221;), or any other applicable anti-money laundering or anti-terrorist-financing statute, rule or regulation.&#160; The Company is not aware of any facts or circumstances that
          would cause it to believe that any nonpublic customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause it to undertake any material remedial action.&#160; The Company and each of the Company
          Subsidiaries have adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with the USA PATRIOT Act and such anti-money laundering program meets
          the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and they have complied in all respects with any requirements to file reports and other necessary documents as required by the USA
          PATRIOT Act and the regulations thereunder.&#160; The Company will not directly or indirectly use the proceeds of the sale of the Common Stock pursuant to transactions contemplated by this Agreement, or lend, contribute or otherwise make available
          such proceeds to any Company Subsidiary, joint venture partner or other Person, towards any sales or operations in any country appearing on the OFAC Specially Designated Nationals List (&#8220;<font style="font-weight: bold;"><u>SDN List</u></font>&#8221;)
          or for the purpose of financing the activities of any Person currently appearing on the SDN List.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">12</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Certain Payments</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries, nor any directors or officers of the Company, nor to the
          Knowledge of the Company, employees or any Affiliates of the Company or the Company Subsidiaries or any other Person who to the Knowledge of the Company is associated with or acting on behalf of the Company or any of the Company Subsidiaries has
          directly or indirectly (i) made any contribution, gift, bribe, rebate, payoff, influence payment, kickback, or other payment in material violation of any Law, including the U.S. Foreign Corrupt Practices Act of 1977, as amended, and any
          applicable anti-bribery or anti-corruption laws, to any Person, private or public, regardless of form, whether in money, property, or services (A) to obtain favorable treatment in securing business for the Company or any of the Company
          Subsidiaries, (B) to pay for favorable treatment for business secured by the Company or any of the Company Subsidiaries, or (C) to obtain special concessions or for special concessions already obtained, for or in respect of the Company or any of
          the Company Subsidiaries or (ii) established or maintained any fund or asset with respect to the Company or any of the Company Subsidiaries that was required by Law or GAAP to have been recorded and was not recorded in the books and records of
          the Company or any of the Company Subsidiaries.&#160; <font style="color: rgb(0, 0, 0);">Neither the Company nor any Company Subsidiaries has conducted any internal investigation, made any voluntary, directed, or involuntary disclosure to any
            Governmental Entity, or received any audit report, written communication from a Governmental Entity, or whistleblower or other written complaint, involving alleged violations in any material respect of </font>the U.S. Foreign Corrupt Practices
          Act of 1977, as amended, and any applicable anti-bribery or anti-corruption laws <font style="color: rgb(0, 0, 0);">on the part of the Company, any of the Company Subsidiaries, or any Person acting on behalf of the Company or any of the Company
            Subsidiaries.</font></div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Absence of Certain Changes</u></font>.&#160; Since December 31, 2019 and except as Previously Disclosed or as required or contemplated by the terms of
          this Agreement, (i) the Company and the Company Subsidiaries have conducted their respective businesses in all material respects in the ordinary and usual course of business consistent with past practices, (ii) through (and including) the date of
          this Agreement, no fact, event, change, condition, development, circumstance or effect has occurred that has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and (iii) no material default
          (or event which, with notice or lapse of time, or both, would constitute a material default) exists on the part of the Company or any Company Subsidiary in the due performance and observance of any term, covenant or condition of any agreement to
          which the Company or any Company Subsidiary is a party and which would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Compliance with Laws</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company, each Company Subsidiary and each of their officers, agents, representatives and employees possesses, holds and have all material permits, licenses, franchises,
          authorizations, orders, consents, registrations, accreditations and approvals of, and have made all filings, applications and registrations with, Governmental Entities that are required in order to permit the Company and each Company Subsidiary
          to own or lease their properties and assets and to carry on their business as presently conducted and that are material to the business of the Company and each Company Subsidiary (collectively, the &#8220;<font style="font-weight: bold;"><u>Governmental

              Authorizations</u></font>&#8221;).&#160; The Company and the Company Subsidiaries, and to the Company&#8217;s Knowledge, their respective officers, agents, representatives and employees, are not in default under any of such Governmental Authorizations, which
          default(s) would be, or be reasonably expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; The Company and each Company Subsidiary have complied with and (A) are not, and
          since December 31, 2017, have not been, in default or violation in any respect of, (B) are not under investigation with respect to, and (C) have not been threatened to be charged with or given notice of any material violation of, any applicable
          material domestic (federal, state or local) or foreign law, statute, ordinance, license, rule, regulation, policy or guideline, order, demand, writ, injunction, decree or judgment of any Governmental Entity (each, a &#8220;<font style="font-weight: bold;"><u>Law</u></font>&#8221;), other than such noncompliance, defaults or violations as would not reasonably be expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; No
          Governmental Entity has placed any material restriction on the business or properties of the Company or any of the Company Subsidiaries.&#160; As of the date hereof, the Bank has a Community Reinvestment Act rating of &#8220;outstanding.&#8221;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">13</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except for normal examinations conducted by a Governmental Entity in the ordinary course of business of the Company and the Company Subsidiaries, (A) no Governmental Entity has
          initiated or has pending any proceeding or, to the Knowledge of the Company, investigation into the business or operations of the Company or any of the Company Subsidiaries since December 31, 2017, (B) there is no unresolved violation or
          exception by any Governmental Entity with respect to any report or statement relating to any examinations or inspections of the Company or any of the Company Subsidiaries, and (C) there have been no formal or informal inquiries by, or
          disagreements or disputes with, any Governmental Entity with respect to the business, operations, policies or procedures of the Company or any of the Company Subsidiaries since December 31, 2017, in each case of clauses (A) through (C), which
          would reasonably be expected, individually or in the aggregate, to be material to the Company and the Company Subsidiaries (taken as a whole).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries are not, and since December 31, 2017, have not been, in violation or default of any provisions of their respective certification of
          incorporation or bylaws (or similar governing documents).</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Adequate Capitalization</u></font>.&#160; As of September 30, 2020, the Bank met or exceeded the standards necessary to be considered &#8220;adequately
          capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.&#160; As of the Closing and after giving effect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions, the Bank meets or exceeds
          the standards necessary to be considered &#8220;adequately capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Agreements with Regulatory Agencies</u></font>.&#160; The Company and the Company Subsidiaries (A) are not subject to any cease-and-desist or other
          similar order or enforcement action issued by, (B) are not a party to any written agreement, consent agreement or memorandum of understanding with, (C) are not a party to any commitment letter or similar undertaking to, and (D) are not subject to
          any capital directive by, and since December 31, 2019, neither the Company nor any of the Company Subsidiaries has adopted any board resolutions at the request of any Governmental Entity that currently restricts in any material respect the
          conduct of its business or that in any material manner relates to its capital adequacy, its liquidity and funding policies and practices, its ability to pay dividends, its credit, risk management or compliance policies, its internal controls, its
          management or its operations or business, nor has the Company nor any of the Company Subsidiaries been advised since December 31, 2019 by any Governmental Entity that it is considering issuing, initiating, ordering, or requesting any of the same.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">14</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Insurance</u></font>.&#160; The Company and each of the Company Subsidiaries are presently insured, and have been insured for at least the past two
          years, for reasonable amounts with financially sound and reputable insurance companies against such risks as companies engaged in a similar business would, in accordance with good business practice, customarily be insured.&#160; All of the policies,
          bonds and other arrangements providing for the foregoing (the &#8220;<font style="font-weight: bold;"><u>Company Insurance Policies</u></font>&#8221;) are in full force and effect, the premiums due and payable thereon have been or will be timely paid through
          the Closing Date, and there is no material breach or default (and no condition exists or event has occurred that, with the giving of notice or lapse of time or both, would constitute such a material breach or default) by the Company or any of the
          Company Subsidiaries under any of the Company Insurance Policies or, to the Knowledge of the Company, by any other party to the Company Insurance Policies.&#160; Neither the Company nor any of the Company Subsidiaries has received any written notice
          of cancellation or non-renewal of any Company Insurance Policy nor, to the Knowledge of the Company, is the termination of any such policies threatened in writing by the insurer, and there is no material claim for coverage by the Company, or any
          of the Company Subsidiaries, pending under any of such Company Insurance Policies as to which coverage has been denied or disputed by the underwriters of such Company Insurance Policies or in respect of which such underwriters have reserved their
          rights.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Title</u></font>.&#160; The Company and the Company Subsidiaries have good and marketable title in fee simple to all real property owned by them and
          good and valid title to all material personal property owned by them, in each case free and clear of all Liens, except for Liens which do not materially affect the value of such property or do not interfere with the use made and proposed to be
          made of such property by the Company or any Company Subsidiary.&#160; Any real property and facilities held under lease by the Company or the Company Subsidiaries are leased pursuant to valid, subsisting and enforceable leases with such exceptions
          that are not material and do not interfere with the use made and proposed to be made of such property and facilities by the Company or the Company Subsidiaries.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc334353686"></a><a name="z_Ref210137921"></a>(u)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Intellectual Property</u></font><font style="font-weight: bold;">.</font>&#160;&#160; The Company
          and the Company Subsidiaries own or possess adequate rights or licenses to use all trademarks, service marks and all applications and registrations therefor, trade names, patents, patent rights, copyrights, original works of authorship,
          inventions, trade secrets and other intellectual property rights (collectively, &#8220;<font style="font-weight: bold;"><u>Intellectual Property Rights</u></font>&#8221;) used in their businesses as conducted on the date of this Agreement, except as would
          not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.&#160; To the Knowledge of the Company, no product or service of the Company or the Company Subsidiaries infringes the Intellectual Property Rights of
          others </div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">15</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Employee Benefits</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Section 2.2(v) of the Disclosure Schedule sets forth a correct and complete list of each &#8220;<u>employee benefit plan</u>&#8221; (within the meaning of Section 3(3) of the Employee
          Retirement Income Security Act of 1974, as amended (&#8220;<font style="font-weight: bold;"><u>ERISA</u></font>&#8221;), including, without limitation, multiemployer plans within the meaning of Section 3(37) of ERISA), and all stock purchase, stock option,
          severance, employment, change-in-control, fringe benefit, bonus, incentive, deferred compensation and all other employee benefit plans, agreements, programs, policies or other arrangements, whether or not subject to ERISA (including any funding
          mechanism therefor now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (A) any current or former employee or director of
          the Company or any of the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company Employees</u></font>&#8221;) has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or any of
          the Company Subsidiaries or (B) the Company or any Company Subsidiary has had or has any present or future liability. All such plans, agreements, programs, policies and arrangements are collectively referred herein to as the &#8220;<font style="font-weight: bold;"><u>Benefit Plans</u></font>.&#8221;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (A) Each Benefit Plan has been established and administered in all material respects in accordance with its terms, and in compliance with the applicable provisions of ERISA, the
          Code and other Laws&#894; (B) no &#8220;reportable event&#8221; (as such term is defined in Section 4043 of ERISA) that could reasonably be expected to result in material liability has occurred with respect to any Benefit Plan, and (C) no non-exempt &#8220;prohibited
          transaction&#8221; (as such term is defined in Section 406 of ERISA and Section 4975 of the Code) has been engaged in by the Company or any Company Subsidiary with respect to any Benefit Plan that has or is expected to result in any material liability
          or &#8220;accumulated funding deficiency&#8221; (as such term is defined in Section 302 of ERISA and Section 412 of the Code (whether or not waived)).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries will be in compliance, as of the Closing Date, with Sections 111 and 302 of the Emergency Economic Stabilization Act of 2008, as amended by
          the U.S. American Recovery and Reinvestment Act of 2009, including all guidance issued thereunder by a Governmental Entity (collectively &#8220;<font style="font-weight: bold;"><u>EESA</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; None of the Company or any Company Subsidiary or any trade or business, whether or not incorporated (an &#8220;<font style="font-weight: bold;"><u>ERISA Affiliate</u></font>&#8221;), all of which
          together with the Company or any Company Subsidiary would be deemed a &#8220;single employer&#8221; within the meaning of Section 4001 of ERISA, has, at any time during the last six years, contributed to or been obligated to contribute to any plan that is
          (i) subject to Title IV or Section 302 of ERISA or Section 412 or 4971 of the Code or (ii) a &#8220;multiemployer plan&#8221; within the meaning of Section 4001(a)(3) of ERISA (a &#8220;<font style="font-weight: bold;"><u>Multiemployer Plan</u></font>&#8221;) or a plan
          that has two or more contributing sponsors at least two of whom are not under common control, within the meaning of Section 4063 of ERISA; and none of Company and the Company Subsidiaries nor any of their respective ERISA Affiliates has incurred
          any liability to a Multiemployer Plan as a result of a complete or partial withdrawal from such Multiemployer Plan, as those terms are defined in Part I of Subtitle E of Title IV of ERISA.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the Company nor any Company Subsidiary has any material unfunded liabilities existing under or in connection with any Benefit Plan, and each such Benefit Plan has been
          established and administered in all respects in accordance with its terms, and in compliance with applicable law, except where failure to be in compliance would not reasonably be expected to result in, individually or in the aggregate, a Material
          Adverse Effect.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">16</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(vi)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution of this Agreement nor the consummation of the transactions contemplated hereby could (either alone or in conjunction with any other event) reasonably be
          expected to result in, cause the accelerated vesting, funding or delivery of, or increase the amount or value of, any payment or benefit to any employee, officer or director of the Company or any Company Subsidiary.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Taxes</u></font>.&#160; All material Tax Returns required to be filed by, or on behalf of, the Company or the Company Subsidiaries have been timely
          filed, or will be timely filed, in accordance with all Laws, and all such Tax Returns are, or will be at the time of filing, complete and correct in all material respects.&#160; The Company and the Company Subsidiaries have timely paid all material
          Taxes due and payable (whether or not shown on such Tax Returns), or, where payment is not yet due, have made adequate financial statement provisions therefor in accordance with GAAP.&#160; There are no Liens with respect to Taxes upon any of the
          assets or properties of either the Company or the Company Subsidiaries other than with respect to Taxes not yet due and payable.&#160; As of the date of this Agreement, there are not pending or threatened in writing, any audits, examinations,
          investigations or other proceedings initiated by the Internal Revenue Service in respect of U.S. federal income tax matters.&#160; None of the Company or any of the Company Subsidiaries has been a &#8220;controlled corporation&#8221; or a &#8220;distributing
          corporation&#8221; in any distribution occurring during the two-year period ending on the date hereof that was purported or intended to be governed by Section&#160;355 of the Code (or any similar provision of state, local or foreign Law).&#160; The Company and
          each Company Subsidiary is, and has been since the date of its formation, a corporation for U.S. federal income tax purposes, and neither the Company nor any Company Subsidiary has elected pursuant to the Code to be treated as a Subchapter&#160;S
          corporation pursuant to Section 1362(a) of the Code, nor has it made any other elections pursuant to the Code (other than elections that relate solely to methods of accounting, depreciation or amortization) that would have, or be <font style="color: rgb(0, 0, 0);">reasonably expected to result in, </font>individually or in the aggregate, <font style="color: rgb(0, 0, 0);">a Material Adverse Effect.</font></div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Labor</u></font>.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Employees of the Company and the Company Subsidiaries are not represented by any labor union nor are any collective bargaining agreements otherwise in effect with respect to such
          employees.&#160; No labor organization or group of employees of the Company or any Company Subsidiary has made a pending demand for recognition or certification, and there are no representation or certification proceedings or petitions presently
          pending or threatened to be brought or filed with the National Labor Relations Board or any other labor relations tribunal or authority, nor have there been in the last three years.&#160; There are no strikes, work stoppages, slowdowns, labor
          picketing lockouts, material arbitrations or material grievances, or other material labor disputes pending or, to the Knowledge of the Company, threatened against or involving the Company or any Company Subsidiary, nor have there been any in the
          past year.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">17</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, the Company and the Company Subsidiaries are in compliance with all
          federal and state Laws and requirements respecting employment and employment practices, terms and conditions of employment, collective bargaining, disability, immigration, health and safety, wages, hours and benefits, non-discrimination in
          employment, workers&#8217; compensation and the collection and payment of withholding and/or payroll taxes and similar taxes.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160; There is no charge or complaint pending or threatened before any Governmental Entity alleging unlawful discrimination in employment practices, unfair labor practices or other unlawful
          employment practices by the Company or any Company Subsidiary.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; To the Knowledge of the Company, since December 31, 2017, (i) no allegations of sexual harassment or misconduct have been made against (A) an officer of the Company or any of the
          Company Subsidiaries, (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of
          $75,000, and (ii) neither the Company nor any of the Company Subsidiaries has entered into any settlement agreements related to allegations of sexual harassment or misconduct by (A) an officer of the Company or any of the Company Subsidiaries,
          (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Except as Previously Disclosed, neither the Company nor any of its officers, directors, employees or agents has
          employed any broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Company in connection with this Agreement or
          the transactions contemplated hereby, the fees of which would be payable by the Investor.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(z)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Offering of Securities</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;"><a name="z_Hlk61609564"></a>(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Neither the Company nor any Person acting on its behalf has taken any action (including any offering of any securities of the Company under circumstances
          which would require the integration of such offering with the offering of any of the Shares to be issued pursuant to this Agreement under the Securities Act and the rules and regulations of the SEC promulgated thereunder) which would subject the
          offering, issuance or sale of any of the Shares to be issued pursuant to this Agreement to be subject to the registration requirements of the Securities Act.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company is not disqualified from relying on Rule 506 of Regulation D (&#8220;<font style="font-weight: bold;">Rule 506</font>&#8221;) under the Securities Act for any of the reasons stated
          in Rule 506(d) (each such reason, a &#8220;<font style="font-weight: bold;">Disqualification Event</font>&#8221;) in connection with the issuance and sale of the Shares to the Investor.&#160; The Company has furnished the Investor, a reasonable time prior to the
          date hereof, a description in writing of any matters that would have triggered disqualification under Rule 506(d) but which occurred before September 23, 2013, in each case, in compliance with the disclosure requirements of Rule 506(e).</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">18</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(aa)&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Affiliate Transactions</u></font>.&#160; No officer, director, five percent (5%) stockholder or other Affiliate of the Company (or any Company
          Subsidiary), or any individual who, to the Knowledge of the Company, is related by marriage or adoption to or shares the same home as any such Person, or any entity which, to the Knowledge of the Company, is controlled by any such Person
          (collectively, an &#8220;<font style="font-weight: bold;"><u>Insider</u></font>&#8221;), is a party to any contract or transaction with the Company (or any Company Subsidiary) which pertains to the business of the Company (or any Company Subsidiary) or has
          any interest in any property, real or personal or mixed, tangible or intangible, used in or pertaining to the business of the Company or any Company Subsidiary.&#160; The foregoing representation and warranty does not include deposit accounts of an
          Insider at the Company or any Company Subsidiary or loans of $250,000 or less made in the ordinary course of business to Insiders in compliance with Regulation O and other applicable Law.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(bb)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Private Placement</u></font>.&#160; <a name="z_Hlk61609623"></a>Assuming the accuracy of the Investor&#8217;s representations and warranties set forth in
          Section 2.3 of this Agreement, no registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.&#160; Assuming the Stockholder Approval is obtained (if required), the issuance and sale of the
          Shares hereunder does not contravene the rules and regulations of the Nasdaq Stock Market.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(cc)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Listing and Maintenance Requirements</u></font>.&#160; The Company&#8217;s Voting Common Stock is (and at the Closing, the Class A Common Stock will be)
          registered pursuant to Section 12(b) of the Exchange Act, and the Company has taken no action designed to terminate the registration of the Voting Common Stock under the Exchange Act nor has the Company received any notification that the SEC is
          contemplating terminating such registration.&#160; The Company has not, in the 12 months preceding the date hereof, received written notice from the Nasdaq Stock Market to the effect that the Company is not in compliance with the listing or
          maintenance requirements of the Nasdaq Stock Market.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(dd)&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Investment Company</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries is required to be registered as, and is not an Affiliate
          of, and immediately following the Closing will not be required to register as, an &#8220;investment company&#8221; within the meaning of the Investment Company Act of 1940, as amended.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(ee)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Acknowledgment Regarding the Investor&#8217;s Purchase of Shares</u></font>.&#160; The Company acknowledges and agrees that the Investor is acting solely in
          the capacity of an arm&#8217;s length purchaser with respect to this Agreement and the transactions contemplated hereby.&#160; The Company further acknowledges that the Investor is not acting as a financial advisor or fiduciary of the Company (or in any
          similar capacity) with respect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions and any advice given by the Investor or any of its representatives or agents in connection with this Agreement, the
          transactions contemplated hereby and the Concurrent Other Transactions is merely incidental to Investor&#8217;s purchase of the Shares.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(ff)&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>No General Solicitation or General Advertising</u></font>.&#160; <a name="z_Hlk61609724"></a>Neither the Company nor any person acting on its behalf
          has engaged or will engage in any form of general solicitation or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">19</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(gg)&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Shell Company Status</u></font>.&#160; The Company is not, and has never been, an issuer identified in Rule 144(i)(1) under the Securities Act.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(hh)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Valid Issuance of Shares</u></font><font style="font-weight: bold;">.</font>&#160; The Shares sold and delivered in accordance with the terms hereof
          for the consideration expressed herein will be duly and validly issued, fully paid and nonassessable and free of restrictions on transfer other than restrictions on transfer under applicable state and federal securities laws.&#160; Assuming the
          accuracy of the representations and warranties of the Investor set forth in Section 2.3, the Shares will be issued in compliance with all applicable federal and state securities laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655909"></a><a name="z_Toc55380684"></a><a name="z_Toc56510580"></a><a name="z_Toc63868754"></a><font style="font-weight: bold;">2.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations and Warranties of the Investor</u></font>.&#160;&#160; Except as Previously Disclosed, the Investor hereby represents and warrants to the Company, as of the date hereof and as of the Closing Date (except for the representations
          and warranties that are as of a specific date which are made as of that date) that: </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>[Intentionally Omitted]</u></font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Investor has the legal capacity and the necessary power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The purchase and holding
          of the Shares by the Investor will not result in the nonexempt prohibited transaction under Section 4975 of the Code or Section 406 of ERISA. The execution, delivery and performance of this Agreement and the consummation of the transactions
          contemplated hereby have been duly authorized by its board of directors, general partner or managing members, investment committee, investment adviser or other authorized person, as the case may be, and no further approval or authorization by any
          of its stockholders, partners or other equity owners, as the case may be, is required.&#160; This Agreement has been duly and validly executed and delivered by the Investor and, assuming due authorization, execution and delivery by the Company is the
          valid and binding obligation of the Investor enforceable against the Investor in accordance with its terms (except as enforcement may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar
          laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution, delivery and performance by the Investor of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Investor with
          any of the provisions hereof, will (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would constitute a default) under, or result in the
          termination of, or accelerate the performance required by, or result in a right of termination or acceleration of, or result in the creation of any Liens upon any of the properties or assets of the Investor under any of the terms, conditions or
          provisions of (1) the governing documents of the Grace &amp; White, Inc. Profit Sharing Plan or (2) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Investor is a party
          or by which the Investor may be bound, or to which the Investor or any of the properties or assets of the Investor may be subject, or (B) violate any Law applicable to the Investor or any of its properties or assets, except in the case of clauses
          (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to materially adversely affect the Investor&#8217;s ability to perform its obligations under this Agreement or consummate the transactions contemplated
          hereby on a timely basis.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">20</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
          delivery of this Agreement or for the purchase by the Investor of the Shares pursuant to this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Purchase for Investment&#894; Accredited Investor Status; Pre-Existing Relationship</u></font>.&#160; The Investor acknowledges that the Shares to be
          purchased by the Investor pursuant to this Agreement have not been registered under the Securities Act or under any state securities laws and may not be resold or transferred by the Investor without such registration or appropriate reliance on
          any available exemption from such requirements.&#160; The Investor (i) is acquiring the Shares pursuant to an exemption from the registration requirements of the Securities Act and other applicable securities laws solely for investment with no present
          intention to distribute any of the Shares to any Person, (ii) will not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other applicable
          securities laws, (iii) has such knowledge and experience in financial and business matters and in investments of this type that it is capable of evaluating the merits and risks of its investment in the Shares and of making an informed investment
          decision and (iv) is an &#8220;accredited investor&#8221; (as that term is defined by Rule 501 under the Securities Act), (vi) is aware that the Company has entered into the Merger Agreement pursuant to which it is required to file with the SEC a
          Registration Statement on Form S-4 (the &#8220;<font style="font-weight: bold;"><u>Registration Statement</u></font>&#8221;), and (vi) began discussions regarding the potential for the Investment by this Agreement with representatives of the Company before
          the Registration Statement was filed with the SEC and Investor&#8217;s purchase of the Shares was not solicited by the Registration or any other filing made by the Company with the SEC.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Neither the Investor, nor its Affiliates nor any of their respective officers or directors, has employed any
          broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Investor in connection with this Agreement or the
          transactions contemplated hereby.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Access to Information</u></font>.&#160; The Investor acknowledges that it has been afforded (i) the opportunity to ask such questions as it has deemed
          necessary of, and to receive answers from, representatives of the Company concerning the terms and conditions of the offering of the Shares and the merits and risks of investing in the Shares; (ii) access to information about the Company and the
          Company Subsidiaries and their respective financial condition, results of operations, business, properties, management and prospects sufficient to enable it to evaluate its investment; (iii) the opportunity to obtain such additional information
          that the Company possesses or can acquire without unreasonable effort or expense that is necessary to make an informed investment decision with respect to the Investment; and (iv) the opportunity to ask questions of management of the Company.</div>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">21</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Reliance</u></font>.&#160; The Investor has not relied on any representation or warranty made by any Person by or on behalf of the Company,
          including, without limitation, the Placement Agents, in connection with the Investment other than those contained in this Agreement.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Placement Agents</u></font>.&#160; The Investor acknowledges that the Placement Agents have not performed any due diligence review on behalf of the
          Investor.&#160; Furthermore, the Investor will purchase the Shares directly from the Company and not from the Placement Agents and understands that neither the Placement Agents nor any other broker or dealer has any obligation to make a market in the
          Common Stock.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Accuracy of Representations</u></font>.&#160; The Investor understands that each of the Placement Agents and the Company will rely upon the truth and
          accuracy of the foregoing representations, acknowledgements and agreements in connection with the transactions contemplated by this Agreement and agrees that if any of the representations or acknowledgements made by it are no longer accurate as
          of the Closing Date, or if any of the agreements made by it are breached on or prior to the Closing Date, it shall promptly notify the Placement Agents and the Company.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 3.<br>
          <br>
          <a name="z_Toc53655910"></a><a name="z_Toc55380685"></a><a name="z_Toc56510581"></a><a name="z_Toc63868755"></a>COVENANTS</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655911"></a><a name="z_Toc55380686"></a><a name="z_Toc56510582"></a><font style="font-weight: bold;">3.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Conduct of Business
              Prior to Closing</u></font>.&#160;&#160; Except as otherwise expressly required or contemplated by this Agreement or applicable Law, or with the prior written consent of the Investor, between the date of this Agreement and the Closing, the Company
          shall, and the Company shall cause each Company Subsidiary to: </div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; use commercially reasonable efforts to conduct its business only in the ordinary course of business consistent with past practice; and</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160; use commercially reasonable efforts to (i) preserve the present business operations, organization (including officers and employees) and goodwill of the Company and any Company
          Subsidiary and (ii) preserve business relationships with customers, suppliers, consultants and others having business dealings with the Company; provided, however, that nothing in this clause (b) shall place any limit on the ability of the Board
          of Directors to act in accordance with, or require any actions that the Board of Directors may, in good faith, determine to be inconsistent with, its duties or the Company&#8217;s obligations under applicable Law or imposed by any Governmental Entity.</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc55380687"></a><a name="z_Toc56510583"></a><a name="z_Toc63868757"></a><a name="z_Hlk54711438"></a><font style="font-weight: bold;">3.2</font>&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Use


              of Proceeds</u></font>.&#160; <a name="z_Hlk54713751"></a>The proceeds received by the Company from the sale of the Shares contemplated hereunder (net of any applicable costs and expenses) will be used for general corporate purposes and will not
          use such proceeds to repurchase, redeem or otherwise monetize any interests held by other existing shareholders of the Company or any Company Subsidiary. </div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">22</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">3.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Regulatory Filings</u></font>.&#160; The Company shall make all filings pursuant to any applicable state
          securities laws and Regulation D of the Securities Act that are required to be made in connection with the Closing. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655912"></a><a name="z_Toc55380689"></a><a name="z_Toc56510585"></a><a name="z_Toc63868759"></a><font style="font-weight: bold;">3.4</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Confidentiality</u></font>
          .&#160; The Investor acknowledges that the information being provided to it in connection with the transactions contemplated hereby includes confidential information that has not been publicly disclosed and agrees to maintain the confidentiality of
          the information with the same degree of care that it uses to protect its own confidential information. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655913"></a><a name="z_Toc55380690"></a><a name="z_Toc56510586"></a><a name="z_Toc63868760"></a><font style="font-weight: bold;">3.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Publicity</u></font>.&#160; The Company shall not publicly disclose the financial or other terms of the transactions contemplated hereby or the name of any Investor or any Affiliate or investment adviser of any Investor, or include the
          name of any Investor or any Affiliate or investment adviser of any Investor in any press release or filing with the SEC or the Nasdaq Stock Market and shall not use any names, trademarks, service marks or trade names of the Investor or its
          Affiliates in any form of advertising and publicity or public statements, without the prior written consent of such Investor, except (i) as required by federal securities law in connection with the filing of final transaction documents with the
          SEC or (ii) to the extent such disclosure is required by applicable law, at the request of the staff of the SEC or at the request of the Nasdaq Stock Market regulations, in which case the Company shall provide each such Investor with prior
          written notice of such disclosure and the form of such disclosure shall be subject to the approval of such Investor, such approval not to be unreasonably withheld or delayed. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655914"></a><a name="z_Toc55380691"></a><a name="z_Toc56510587"></a><a name="z_Toc63868761"></a><font style="font-weight: bold;">3.6</font>&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Commercially Reasonable Efforts</u></font>.&#160; Upon the terms and subject to the conditions herein provided, except as otherwise provided in this Agreement, each of the Parties hereto agrees to use its commercially reasonable efforts to
          take or cause to be taken all action, to do or cause to be done and to assist and cooperate with the other Party in doing all things necessary, proper or advisable under applicable Laws to consummate and make effective the transactions
          contemplated hereby, including but not limited to: (a) the satisfaction of the conditions precedent to the obligations of the Parties; (b) the obtaining of applicable Governmental Consents, and consents, waivers and approvals of any other third
          parties; (c) defending of any claim, action, suit, investigation or proceeding, whether judicial or administrative, challenging this Agreement or the performance of the obligations hereunder; and (d) the execution and delivery of such
          instruments, and the taking of such other actions as the other Party may reasonably request in order to carry out the intent of this Agreement.&#160; Notwithstanding the foregoing, under no circumstances will the Investor be required to disclose to
          the Company, the Company Subsidiaries or any third party any information the disclosure of which is prohibited by Law, nor shall it be required to agree to any restrictions, conditions or commitments imposed or otherwise required by any
          Government Entity that are determined by the Investor in its sole discretion to be unduly burdensome, other than customary passivity commitments, in order to consummate and make effective the transactions contemplated hereby. </div>
        <br>
        <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">3.7</font>&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Legend</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160; The Investor agrees that all certificates or other instruments representing the Shares subject to this Agreement shall bear legends substantially to the following effect, until such
          time as they are not required under Section 3.7(b)</div>
        <div style="text-align: justify;"><a href="#z_Ref54712182"> <br>
          </a></div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">23</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; margin-right: 36pt; margin-left: 36pt;">&#8220;THE SHARES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR SECURITIES LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED,
          SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO IS IN EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR SUCH LAWS.&#8221;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref54712182"></a>(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon request of the Investor, the Company shall promptly cause such legends to be removed from any certificate for any Shares to be so transferred if such
          Shares are being transferred pursuant to an exemption from the registration securities requirements of the Securities Act and applicable state Laws, subject to receipt by the Company of an opinion of counsel for the Investor reasonably
          satisfactory to the Company to the effect that such legend is no longer required under the Securities Act and applicable state Laws.&#160; The Investor acknowledges that the sale of the Shares provided for herein has not been registered under the
          Securities Act or under any state securities Laws and agrees that it shall not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other
          applicable securities Laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655916"></a><a name="z_Toc55380693"></a><a name="z_Toc56510589"></a><a name="z_Toc63868763"></a><font style="font-weight: bold;">3.8</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Exchange Listing</u></font>.&#160; The Company shall use its reasonable best efforts to cause the Shares to be approved for listing on the Nasdaq Stock Market as promptly as possible. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655917"></a><a name="z_Toc55380694"></a><a name="z_Toc56510590"></a><a name="z_Toc63868764"></a><font style="font-weight: bold;">3.9</font>&#160;&#160;&#160; &#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorized Shares</u></font>.&#160; The Company will at all times reserve, free of any preemptive or similar rights of stockholders of the Company, a number of unissued shares of Class A Common Stock, sufficient to convert automatically,
          in accordance with the terms of the certificate of incorporation of the Company, all of the shares of Class C Common Stock then outstanding. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655918"></a><a name="z_Toc55380695"></a><a name="z_Toc56510591"></a><a name="z_Toc63868765"></a><font style="font-weight: bold;">3.10</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Rule 144 Reporting</u></font>.&#160; With a view to making available to the Investor the benefits of certain rules and regulations of the SEC which may permit the sale of the Shares by the Investor without registration under the Securities
          Act upon compliance with the initial holding period and other applicable requirements of Rule 144 under the Securities Act, the Company agrees to use its reasonable best efforts to: </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; make and keep adequate current public information with respect to the Company available, as those terms are understood and defined in Rule 144(c)(1) or any similar or analogous rule
          promulgated under the Securities Act, at all times after the effective date of this Agreement;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; so long as the Investor owns any of the Shares, furnish to the Investor forthwith upon request: (A) a written statement by the Company as to its compliance with the reporting
          requirements of Rule 144 under the Securities Act, and of the Exchange Act; (B) a copy of the most recent annual or quarterly report of the Company; and (C) such other reports and documents as the Investor may reasonably request in availing
          itself of any rule or regulation of the SEC allowing it to sell any of the Shares without registration; and</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">24</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; to take such further action as the Investor may reasonably request, all to the extent required from time to time to enable the Investor to sell Shares without registration under the
          Securities Act.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-size: 12pt; font-weight: bold;"><font style="font-size: 10pt;">ARTICLE 4.</font><font style="font-size: 10pt;"><br>
          </font><font style="font-size: 10pt;"><br>
            <a name="z_Toc53655920"></a><a name="z_Toc55380697"></a><a name="z_Toc56510592"></a><a name="z_Toc63868766"></a>TERMINATION</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655921"></a><a name="z_Toc55380698"></a><a name="z_Toc56510593"></a><a name="z_Toc63868767"></a><font style="font-weight: bold;">4.1</font>&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Termination</u></font>.&#160; This Agreement may be terminated prior to the Closing: </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; by mutual written agreement of the Company and the Investor;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by either Party, upon written notice to the other Party in the event that the Closing does not occur on or before September 1, 2021; <u>provided</u>, <u>however</u>, that the right
          to terminate this Agreement pursuant to this Section 4.1(b) shall not be available to any Party whose failure to fulfill any obligation under this Agreement shall have been the cause of, or shall have resulted in, the failure of the Closing to
          occur on or prior to such date;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by either Party, upon written notice to the other Party, in the event that (i) Stockholder Approval is required under applicable Law or the rules and regulations of the Nasdaq Stock
          Market, but has not been obtained on or prior to the closing date of the Merger or (ii) the Authorized Shares Increase Approval has not been obtained on or prior to the closing date of the Merger;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by the Investor, upon written notice to the Company, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Company in this Agreement, or
          any such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(ii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date
          that would otherwise be the Closing Date in the absence of such breach or condition; provided that this Section 4.1(d) shall only apply if the Investor is not in material breach of any of the terms of this Agreement;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by the Company, upon written notice to the Investor, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Investor in this Agreement, or
          any such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(iii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the
          date that would otherwise be the Closing Date in absence of such breach or condition; provided that this Section 4.1(e) shall only apply if the Company is not in material breach of any of the terms of this Agreement; or</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; by any Party, upon written notice to the other Party, in the event that any Governmental Entity shall have issued any order, decree or injunction or taken any other action
          restraining, enjoining or prohibiting any of the transactions contemplated by this Agreement, and such order, decree, injunction or other action shall have become final and non-appealable.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655922"></a><a name="z_Toc55380699"></a><a name="z_Toc56510594"></a><a name="z_Toc63868768"></a><font style="font-weight: bold;">4.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Effects of Termination</u></font>.&#160; In the event of any termination of this Agreement as provided in Section 4.1, this Agreement (other than Section 3.4, this Article 4 and Article 6 of this Agreement, which shall remain in full force
          and effect) shall forthwith become wholly void and of no further force and effect; provided, that nothing herein shall relieve any Party from liability for fraud or willful breach of this Agreement. </div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">25</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 5.<br>
          <br>
          <a name="z_Toc53655923"></a><a name="z_Toc55380700"></a><a name="z_Toc56510595"></a><a name="z_Toc63868769"></a>INDEMNITY</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655924"></a><a name="z_Toc55380701"></a><a name="z_Toc56510596"></a><font style="font-weight: bold;">5.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Indemnification by the
              Company</u></font></div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;After the Closing, and subject to Sections 5.1(b), 5.3 and 5.4, the Company shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Investor and its
          Affiliates, and their respective successors and assigns, officers, directors, partners, members and employees, as applicable, (the &#8220;<font style="font-weight: bold;"><u>Investor Indemnified Parties</u></font>&#8221;) against and from, and reimburse any
          of the Investor Indemnified Parties for, all Losses that any of the Investor Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach of any representation or
          warranty made by the Company in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by the Company to perform any of its covenants or agreements contained in this Agreement.&#160; Notwithstanding anything herein to
          the contrary, the obligations of the Company under this Section 5.1(a) shall not be applicable to or inure to the benefit of any transferee of the Common Stock sold pursuant to this Agreement who is not an Affiliate of the Investor.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless any of the Investor Indemnified Parties against, or
          reimburse any of the Investor Indemnified Parties for, any Losses pursuant to Section 5.1(a) (other than Losses arising out of the inaccuracy or breach of any Company Specified Representations) until the aggregate amount of the Investor
          Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a) exceeds $100,000 (the &#8220;<font style="font-weight: bold;"><u>Threshold Amount</u></font>&#8221;),
          upon the occurrence of which the Company shall be obligated for all of the Investor Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a).&#160;
          Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless the Investor Indemnified Parties against, or reimburse the Investor Indemnified Parties for, any Losses pursuant to
          Section 5.1(a) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;For purposes of Section 5.1(a), in determining whether there has been a breach of a representation or warranty, the Parties hereto shall ignore any &#8220;materiality,&#8221; &#8220;Material Adverse
          Effect&#8221; or similar qualifications.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">26</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">5.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Indemnification by the Investor</u></font></div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53184709"></a><a name="z_Toc53215208"></a></div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; After the Closing, and subject to Sections 5.2(b), 5.3 and 5.4, the Investor shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Company and its
          respective Affiliates and their respective successors and assigns, officers, directors, partners, members, employees, representatives and agents (collectively, the &#8220;<font style="font-weight: bold;"><u>Company Indemnified Parties</u></font>&#8221;)
          against and from, and reimburse any of the Company Indemnified Parties for, all Losses that the Company Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach
          of any representation or warranty made by the Investor in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by such Investor to perform any of its covenants or agreements contained in this Agreement.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless any of the Company Indemnified Parties against, or
          reimburse any of the Company Indemnified Parties for any Losses pursuant to Section 5.2(a)(1) until the aggregate amount of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally determined to be otherwise
          entitled to indemnification under Section 5.2(a) exceeds the Threshold Amount, upon the occurrence of which the Investor shall be obligated for all of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally
          determined to be otherwise entitled to indemnification under Section 5.2(a)(1).&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless the Company Indemnified Parties
          against, or reimburse the Company Indemnified Parties for, any Losses pursuant to Section 5.2(a)(1) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1 hereof.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; For purposes of Section 5.2(a), in determining whether there has been a breach of a representation or warranty, the Parties shall ignore any &#8220;materiality&#8221; or similar qualifications.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655926"></a><a name="z_Toc55380703"></a><a name="z_Toc56510598"></a><a name="z_Toc63868772"></a><font style="font-weight: bold;">5.3</font>&#160;&#160; &#160;&#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Notification of Claims</u></font></div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Any Person that may be entitled to be indemnified under this Article 5 (the &#8220;<font style="font-weight: bold;"><u>Indemnified Party</u></font>&#8221;) shall promptly notify the party or
          parties liable for such indemnification (the &#8220;<font style="font-weight: bold;"><u>Indemnifying Party</u></font>&#8221;) in writing of any claim in respect of which indemnity may be sought hereunder, including any pending or threatened claim or demand
          by a third party that the Indemnified Party has determined has given or could reasonably give rise to a right of indemnification under this Agreement (including a pending or threatened claim or demand asserted by a third party against the
          Indemnified Party) (each, a &#8220;<font style="font-weight: bold;"><u>Third Party Claim</u></font>&#8221;), describing in reasonable detail the facts and circumstances with respect to the subject matter of such claim or demand; provided, however, that the
          failure to provide such notice shall not release the Indemnifying Party from any of its obligations under this Agreement except to the extent that the Indemnifying Party is materially prejudiced by such failure.&#160; The Parties agree that notices
          for claims in respect of a breach of a representation, warranty, covenant or agreement must be delivered prior to the expiration of any applicable survival period specified in Section 6.1 for such representation, warranty, covenant or agreement;
          provided, that if, prior to such applicable date, a Party hereto shall have notified the other Party hereto in accordance with the requirements of this Section 5.3(a) of a claim for indemnification under this Agreement (whether or not formal
          legal action shall have been commenced based upon such claim), such claim shall continue to be subject to indemnification in accordance with this Agreement notwithstanding the passing of such applicable date.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">27</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon receipt of a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) in respect of a Third Party Claim, the Indemnifying Party may, by notice to the
          Indemnified Party delivered within twenty (20) Business Days of the receipt of notice of such Third Party Claim, assume the defense and control of any Third Party Claim, with its own counsel reasonably acceptable to the Indemnified Party and at
          its own expense.&#160; The Indemnified Party shall have the right to employ counsel on its own behalf for, and otherwise participate in the defense of, any such Third Party Claim, but the fees and expenses of its counsel will be at its own expense
          unless (A) the employment of counsel by the Indemnified Party at the Indemnifying Party&#8217;s expense has been authorized in writing by the Indemnifying Party, (B) the Indemnified Party reasonably believes there may be a conflict of interest between
          the Indemnified Party and the Indemnifying Party in the conduct of the defense of such Third Party Claim, (C) the Indemnified Party reasonably believes there are legal defenses available to it that are different from, additional to or
          inconsistent with those available to the Indemnifying Party, or (D) the Indemnifying Party has not in fact employed counsel to assume the defense of such Third Party Claim within a reasonable time after receipt of notice of the commencement of
          such Third Party Claim, in each of which cases the fees and expenses of such Indemnified Party&#8217;s counsel shall be at the expense of the Indemnifying Party; provided, however, that in the event that the Company is required to assume the fees and
          expenses of such Investor Indemnified Party&#8217;s counsel in accordance with the foregoing and such Investor Indemnified Party is similarly situated with any other &#8220;Investor Indemnified Party&#8221; under any of the other stock purchase agreements with
          respect to any Third Party Claim, and does not have any conflict of interest with such Person in the conduct of the defense of such Third Party Claim or have legal defenses available to it that are different from, additional to or inconsistent
          with those available to such Person, such Investor Indemnified Party shall be required to employ the same counsel as such Person and the Company shall be responsible for the fees and expenses of only one such counsel for such Investor Indemnified
          Party and such other Person or Persons (assuming any of clauses (A) through (D) above is satisfied).&#160; The Indemnified Party may take any actions reasonably necessary to defend such Third Party Claim prior to the time that it receives a notice
          from the Indemnifying Party as contemplated by the immediately preceding sentence.&#160; The Indemnified Party shall, and shall cause each of its Affiliates and representatives to, use reasonable best efforts to cooperate with the Indemnifying Party
          in the defense of any Third Party Claim.&#160; The Indemnifying Party shall not, without the prior written consent of the Indemnified Party (which shall not be unreasonably withheld or delayed), consent to a settlement, compromise or discharge of, or
          the entry of any judgment arising from, any Third Party Claim, unless such settlement, compromise, discharge or entry of any judgment does not involve any statement, finding or admission of any fault, culpability, failure to act, violation of Law
          or admission of any wrongdoing by or on behalf of the Indemnified Party, and the Indemnifying Party shall (i) pay or cause to be paid all amounts arising out of such settlement or judgment concurrently with the effectiveness of such settlement or
          judgment (unless otherwise provided in such judgment), (ii) not encumber any of the assets of any Indemnified Party or agree to any restriction or condition that would apply to or materially adversely affect any Indemnified Party or the conduct
          of any Indemnified Party&#8217;s business and (iii) obtain, as a condition of any settlement, compromise, discharge, entry of judgment (if applicable), or other resolution, a complete and unconditional release of each Indemnified Party in form and
          substance reasonably satisfactory to such Indemnified Party from any and all liabilities in respect of such Third Party Claim.&#160; An Indemnified Party shall not settle, compromise or consent to the entry of any judgment with respect to any claim or
          demand for which it is seeking indemnification from the Indemnifying Party or admit to any liability with respect to such claim or demand without the prior written consent of the Indemnifying Party (which consent shall not be unreasonably
          withheld or delayed); provided, that such consent shall not be required if the Indemnifying Party has not fulfilled any material obligations under this Section 5.3(b).</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">28</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160; &#160;&#160; In the event any Indemnifying Party receives a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) that does not involve a Third Party Claim, the
          Indemnifying Party shall notify the Indemnified Party within twenty (20) Business Days following its receipt of such notice whether the Indemnifying Party disputes its liability to the Indemnified Party under this Agreement.&#160; The Indemnified
          Party shall reasonably cooperate with and assist the Indemnifying Party in determining the validity of any such claim for indemnity by the Indemnified Party.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655927"></a><a name="z_Toc55380704"></a><a name="z_Toc56510599"></a><a name="z_Toc63868773"></a><font style="font-weight: bold;">5.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification Payment</u></font>.&#160; In the event a claim or any Action for indemnification hereunder has been finally determined, the amount of such final determination shall be paid by the Indemnifying Party to the Indemnified Party
          on demand in immediately available funds.&#160; A claim or an Action, and the liability for and amount of damages therefor, shall be deemed to be &#8220;<u>finally determined</u>&#8221; for purposes of this Agreement when the Parties have so determined by mutual
          agreement or, if disputed, when a final non-appealable judicial order has been entered into with respect to such claim or Action. </div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655928"></a><a name="z_Toc55380705"></a><a name="z_Toc56510600"></a><a name="z_Toc63868774"></a><font style="font-weight: bold;">5.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exclusive Remedies</u></font>.&#160; Each Party acknowledges and agrees that following the Closing, the indemnification provisions hereunder shall be the sole and exclusive remedies of the Parties for any breach of the representations,
          warranties or covenants contained in this Agreement.&#160; No investigation of the Company by the Investor, or of the Investor by the Company, whether prior to or after the date of this Agreement, shall limit any Indemnified Party&#8217;s exercise of any
          right hereunder or be deemed to be a waiver of any such right.&#160; The Parties agree that any indemnification payment made pursuant to this Agreement shall be treated as an adjustment to the Purchase Price for Tax purposes, unless otherwise required
          by Law. </div>
        <div>&#160;</div>
        <div style="text-align: center; font-size: 12pt; font-weight: bold;"><font style="font-size: 10pt;">ARTICLE 6.</font><font style="font-size: 10pt;"><br>
            <br>
            <a name="z_Toc53655929"></a><a name="z_Toc55380706"></a><a name="z_Toc56510601"></a><a name="z_Toc63868775"></a>MISCELLANEOUS</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655930"></a><a name="z_Toc55380707"></a><a name="z_Toc56510602"></a><a name="z_Toc63868776"></a><font style="font-weight: bold;"> 6.1</font>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Survival</u></font>.&#160; The representations and warranties of the Parties contained in this Agreement shall survive in full force and effect until the date that is fifteen (15) months after the Closing Date (or until final resolution of
          any claim or action arising from the breach of any such representation and warranty, if notice of such breach was provided prior to the end of such period), at which time they shall terminate and no claims shall be made for indemnification under
          Section 5.1 or Section 5.2, as applicable, for breaches of representations or warranties thereafter, except the Company Specified Representations (other than the representations and warranties made in Section 2.2(v), which shall survive until the
          expiration of the applicable statute of limitations) and the Investor Specified Representations shall survive the Closing indefinitely.&#160; The covenants and agreements set forth in this Agreement shall survive until the expiration of any applicable
          statute of limitations or until performed or no longer operative in accordance with their respective terms.&#160; Notwithstanding the foregoing, the Company Specified Representations shall survive for the period of the applicable statute of
          limitations. </div>
        <div>&#160;</div>
        <div style="text-align: justify;"><a name="z_Toc53655931"></a><a name="z_Toc55380708"></a><a name="z_Toc56510603"></a> </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">29</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">6.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Other Definitions</u></font>.&#160; Wherever required by the context of this Agreement, the singular shall
          include the plural and vice versa, and the masculine gender shall include the feminine and neuter genders and vice versa, and references to any agreement, document or instrument shall be deemed to refer to such agreement, document or instrument
          as amended, supplemented or modified from time to time.&#160; In addition, the following terms shall have the meanings assigned to them below: </div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Affiliate</u></font>&#8221; means, with respect to any Person, any Person directly or indirectly controlling, controlled by or under common
          control with, such other Person provided that no security holder of the Company shall be deemed to be an Affiliate of any other security holder or of the Company or any of the Company Subsidiaries solely by reason of any investment in the Company
          and, for purposes of this definition, &#8220;<font style="font-weight: bold;"><u>control</u></font>&#8221; (including, with correlative meanings, the terms &#8220;<font style="font-weight: bold;"><u>controlling</u></font>&#8221;, &#8220;<font style="font-weight: bold;"><u>controlled


              by</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>under common control with</u></font>&#8221;) when used with respect to any Person, means the possession, directly or indirectly, of the power to cause the direction of management or policies
          of such Person, whether through the ownership of voting securities, by contract or otherwise;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Agency</u></font>&#8221; means the Federal Housing Administration, the Federal Home Loan Mortgage Corporation, the Farmers Home Administration
          (now known as Rural Housing and Community Development Services), the Federal National Mortgage Association, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of Agriculture or any other federal or
          state agency with authority to (i) determine any investment, origination, lending or servicing requirements with regard to mortgage loans originated, purchased or serviced by the Company or (ii) originate, purchase, or service mortgage loans, or
          otherwise promote mortgage lending, including state and local housing finance authorities;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Board of Directors</u></font>&#8221; means the Board of Directors of the Company;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Business Day</u></font>&#8221; means any day except Saturday, Sunday and any day which shall be a legal holiday or a day on which banking
          institutions in the State of New York or in the State of California generally are authorized or required by Law or other governmental actions to close;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Capital Stock</u></font>&#8221; means the capital stock or other applicable type of equity interest in a Person;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Code</u></font>&#8221; means the Internal Revenue Code of 1986, as amended;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">30</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Company Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.2(a), <u>Section 2.2(b)</u>,
          Section 2.2(c), Section 2.2(d), Section 2.2(x), Section 2.2(z) and Section 2.2(hh);</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Disclosure Schedule</u></font>&#8221; shall mean a schedule delivered, on or prior to the date of this Agreement, by (i) the Investor to the
          Company and (ii) the Company to the Investor setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express disclosure requirement contained in a provision hereof or as an exception
          to one or more representations or warranties contained in Section 2.2 with respect to the Company, or in Section 2.3 with respect to the Investor, or to one or more covenants contained in Article 3;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>GAAP</u></font>&#8221; means United States generally accepted accounting principles and practices as in effect from time to time;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Consent</u></font>&#8221; means any notice to, registration, qualification, designation, declaration or filing with, exemption
          or review by, or authorization, order, consent or approval of, any Governmental Entity, or the expiration or termination of any statutory waiting periods;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Entity</u></font>&#8221; means any court, administrative agency or commission or other governmental authority or instrumentality,
          whether federal, state, local or foreign, and any applicable industry self-regulatory organization or securities exchange;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Insurer</u></font>&#8221; means a Person who insures or guarantees for the benefit of the mortgagee all or any portion of the risk of loss
          upon borrower default on any of the mortgage loans originated, purchased or serviced by the Bank, including the Federal Housing Administration, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of
          Agriculture and any private mortgage insurer, and providers of hazard, title or other insurance with respect to such mortgage loans or the related collateral;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Investor Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.3(b)(i), Section 2.3(d) and
          Section 2.3(f);</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Knowledge</u></font>&#8221; of the Company and words of similar import mean the knowledge of any directors or executive officers of the
          Company listed on the Disclosure Schedule hereto;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Loan Investor</u></font>&#8221; means any Person (including an Agency) having a beneficial interest in any mortgage loan originated, purchased
          or serviced by the Bank or a security backed by or representing an interest in any such mortgage loan;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Losses</u></font>&#8221; means any and all losses, damages, reasonable costs, reasonable expenses (including reasonable attorneys&#8217; fees and
          disbursements), liabilities, settlement payments, awards, judgments, fines, obligations, claims, and deficiencies of any kind, excluding special, consequential, exemplary and punitive damages;</div>
        <div style="text-indent: 9pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">31</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Person</u></font>&#8221; means any individual, firm, corporation, partnership, trust, incorporated or unincorporated association, joint
          venture, joint stock company, limited liability company, Governmental Entity or other entity of any kind, and shall include any successor (by merger or otherwise) of such entity;</div>
        <div style="text-indent: 72pt;"><br>
        </div>
        <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Subsidiary</u></font>&#8221; means, with respect to any Person, any corporation, partnership, joint venture, limited liability company or
          other entity (x) of which such Person or a Subsidiary of such Person is a general partner or (y) of which a majority of the voting securities or other voting interests, or a majority of the securities or other interests of which having by their
          terms ordinary voting power to elect a majority of the board of directors or persons performing similar functions with respect to such entity, is directly or indirectly owned by such Person and/or one or more Subsidiaries thereof;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Tax</u></font>&#8221; or &#8220;<font style="font-weight: bold;"><u>Taxes</u></font>&#8221; means all United States federal, state, local or foreign
          income, profits, estimated, gross receipts, windfall profits, severance, property, intangible property, occupation, production, sales, use, license, excise, emergency excise, franchise, capital gains, capital stock, employment, withholding,
          transfer, stamp, payroll, goods and services, value added, alternative or add-on minimum tax, or any other tax, custom, duty or governmental fee, or other like assessment or charge of any kind whatsoever, together with any interest, penalties,
          fines, related liabilities or additions to tax that may become payable in respect thereof imposed by any Governmental Entity, whether or not disputed;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Tax Return</u></font>&#8221; means any return, declaration, report or similar statement required to be filed with respect to any Taxes
          (including any attached schedules), including, without limitation, any information return, claim or refund, amended return and declaration of estimated Tax;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(u)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Voting Securities</u></font>&#8221; means at any time shares of any class of Capital Stock of the Company, including but not limited to Voting
          Common Stock (or, after giving effect to the Merger Transactions, Class A Common Stock), and Voting Debt that are then entitled to vote generally in the election of directors;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; the word &#8220;<font style="font-weight: bold;"><u>or</u></font>&#8221; is not exclusive;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the words &#8220;<font style="font-weight: bold;"><u>including</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>includes</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>included</u></font>&#8221;
          and &#8220;<font style="font-weight: bold;"><u>include</u></font>&#8221; are deemed to be followed by the words &#8220;without limitation&#8221;;</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the terms &#8220;<font style="font-weight: bold;"><u>herein</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>hereof</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>hereunder</u></font>&#8221;
          and other words of similar import refer to this Agreement as a whole and not to any particular section, paragraph or subdivision; and</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;all article, section, paragraph or clause references not attributed to a particular document shall be references to such parts of this Agreement, and all exhibit and schedule
          references not attributed to a particular document shall be references to such exhibits and schedules to this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655932"></a><a name="z_Toc55380709"></a><a name="z_Toc56510604"></a></div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">32</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">6.3</font>&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Amendment and Waivers</u></font>.&#160; The conditions to each Party&#8217;s obligation to consummate the Closing are
          for the sole benefit of such Party and may be waived by such Party in whole or in part to the extent permitted by Law.&#160; No amendment or waiver of any provision of this Agreement will be effective against any Party unless it is in a writing signed
          by a duly authorized officer of such Party. </div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655933"></a><a name="z_Toc55380710"></a><a name="z_Toc56510605"></a><a name="z_Toc63868779"></a><font style="font-weight: bold;">6.4</font>&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Counterparts and Facsimile</u></font>.&#160; For the convenience of the Parties, this Agreement may be executed in any number of separate counterparts, each such counterpart being deemed to be an original instrument, and all such
          counterparts will together constitute the same agreement.&#160; Executed signature pages to this Agreement may be delivered by facsimile and such facsimiles shall be deemed as sufficient as if manually signed signature pages had been delivered. </div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655934"></a><a name="z_Toc55380711"></a><a name="z_Toc56510606"></a><a name="z_Toc63868780"></a><font style="font-weight: bold;">6.5</font>&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Governing Law</u></font>.&#160; This Agreement will be governed by and construed in accordance with the Laws of the State of California applicable to contracts made and to be performed entirely within such State. </div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655935"></a><a name="z_Toc55380712"></a><a name="z_Toc56510607"></a><a name="z_Toc63868781"></a><font style="font-weight: bold;">6.6</font>&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>WAIVER OF JURY TRIAL</u></font>.&#160; TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVESTOR HEREBY IRREVOCABLY WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY RELATING TO THIS
          AGREEMENT, THE TRANSACTIONS CONTEMPLATED HEREBY WHETHER BASED ON CONTRACT, EQUITY, TORT OR ANY OTHER THEORY.&#160; THIS WAIVER OF RIGHT TO TRIAL BY JURY IS GIVEN BY INVESTOR, KNOWINGLY AND VOLUNTARILY WITH THE BENEFIT OF COMPETENT LEGAL COUNSEL. </div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655936"></a><a name="z_Toc55380713"></a><a name="z_Toc56510608"></a><a name="z_Toc63868782"></a><font style="font-weight: bold;">6.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Notices</u></font>.&#160; Any notice, request, instruction or other document to be given hereunder by any Party to the other will be in writing and will be deemed to have been duly given (a) on the date of delivery if delivered personally
          or by telecopy or facsimile, upon confirmation of receipt, (b) on the first Business Day following the date of dispatch if delivered by a recognized next-day courier service, or (c) on the third Business Day following the date of mailing if
          delivered by registered or certified mail, return receipt requested, postage prepaid, provided that any such notice, request, instruction or other document to be given hereunder shall not be deemed to have been duly given unless and until it is
          sent via electronic mail to the recipient thereof.&#160; All notices hereunder shall be delivered as set forth below, or pursuant to such other instructions as may be designated in writing by the Party to receive such notice. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; If to the Investor, to the address set forth on the Investor&#8217;s signature page to this Agreement.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; If to the Company:</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;"><a name="z_Hlk56512958"></a>Broadway Financial Corporation<br>
          5055 Wilshire Boulevard, Suite 500<br>
          Los Angeles, California 90036<br>
          Attn: Brenda Battey,</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Chief Financial Officer</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Email: bbattey@broadwayfederalbank.com</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">with a copy (which copy shall not constitute notice) to:</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Arnold &amp; Porter LLP</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">777 South Figueroa Street,<br>
          44th Floor</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Los Angeles, California 90017<br>
          Attn: James R. Walther, Esq.<br>
          Fax: (213) 243-4199</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Email: James.Walther@arnoldporter.com</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">33</font></div>
          <div style="page-break-after: always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">6.8</font>&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Entire Agreement</u></font>.&#160; This Agreement constitutes the entire agreement, and supersede all other
          prior agreements, understandings, representations and warranties, inducements or conditions, both written and oral, among the Parties, with respect to the subject matter hereof and thereof. </div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655938"></a><a name="z_Toc55380715"></a><a name="z_Toc56510610"></a><a name="z_Toc63868784"></a><font style="font-weight: bold;">6.9</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Successors

              and Assigns</u></font>.&#160; This Agreement shall be binding upon and inure to the benefit of the Parties and their respective successors and assigns, including any purchasers of the Common Stock to be issued pursuant to this Agreement.&#160; The
          Company shall not assign this Agreement or any rights or obligations hereunder without the prior written consent of the Investor.&#160; The Investor may assign some or all of its rights hereunder or thereunder without the consent of the Company to any
          Affiliate of the Investor, and such assignee shall be deemed to be an Investor hereunder with respect to such assigned rights and shall be bound by the terms and conditions of this Agreement that apply to the Investor. </div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655939"></a><a name="z_Toc55380716"></a><a name="z_Toc56510611"></a><a name="z_Toc63868785"></a><font style="font-weight: bold;">6.10</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Captions</u></font>.&#160; The article, section, paragraph and clause captions herein are for convenience of reference only, do not constitute part of this Agreement and will not be deemed to limit or otherwise affect any of the provisions
          hereof. </div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655940"></a><a name="z_Toc55380717"></a><a name="z_Toc56510612"></a><a name="z_Toc63868786"></a><font style="font-weight: bold;">6.11</font>&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Severability</u></font>.&#160; If any provision of this Agreement or the application thereof to any Person or circumstance is determined by a court of competent jurisdiction to be invalid, void or unenforceable, the remaining provisions
          hereof, or the application of such provision to Persons or circumstances other than those as to which it has been held invalid or unenforceable, will remain in full force and effect and shall in no way be affected, impaired or invalidated
          thereby, so long as the economic or legal substance of the transactions contemplated hereby is not affected in any manner materially adverse to any party.&#160; Upon such determination, the Parties shall negotiate in good faith in an effort to agree
          upon a suitable and equitable substitute provision to effect the original intent of the Parties. </div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655941"></a><a name="z_Toc55380718"></a><a name="z_Toc56510613"></a><a name="z_Toc63868787"></a><font style="font-weight: bold;">6.12</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Third Party Beneficiaries</u></font>.&#160; Nothing contained in this Agreement, expressed or implied, is intended to confer upon any Person other than the Parties, any benefit right or remedies, except that the Placement Agents may rely
          on the representations and warranties contained herein to the same extent as if they were party to this Agreement and the provisions of Sections 5.1 and 5.2 shall inure to the benefit of the Persons referred to in such Sections. </div>
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        <div style="text-align: justify;"><a name="z_Toc53655942"></a> </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">34</font></div>
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        <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">6.13</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Public Announcements</u></font>.&#160; The Investor will not make (and will use its reasonable best efforts to
          ensure that its Affiliates and representatives do not make) any news release or public disclosure with respect to this Agreement and any of the transactions contemplated hereby, without first consulting with the Company and, in each case, also
          receiving the Company&#8217;s consent (which shall not be unreasonably withheld, conditioned or delayed). </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655943"></a><a name="z_Toc55380720"></a><a name="z_Toc56510615"></a><a name="z_Toc63868789"></a><font style="font-weight: bold;">6.14</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Specific

              Performance</u></font>.&#160; The Parties agree that irreparable damage would occur in the event that any of the provisions of this Agreement were not performed in accordance with their specific terms.&#160; It is accordingly agreed that the Parties
          shall be entitled to seek specific performance of the terms hereof, this being in addition to any other remedies to which they are entitled at law or equity. </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655944"></a><a name="z_Toc55380721"></a><a name="z_Toc56510616"></a><a name="z_Toc63868790"></a><font style="font-weight: bold;">6.15</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No


              Recourse to Other Persons</u></font>.&#160; This Agreement may only be enforced against the named Parties.&#160; All claims or causes of action that may be based upon, arise out of or relate to this Agreement, or the negotiation, execution or
          performance of this Agreement may be made only against the entities that are expressly identified as Parties or that are subject to the terms hereof, and no past, present or future director, officer, employee, incorporator, member, manager,
          partner, stockholder, Affiliate, agent, attorney or representative of any Party (including any person negotiating or executing this Agreement on behalf of a Party) shall have any liability or obligation with respect to this Agreement or with
          respect to any claim or cause of action, whether in tort, contract or otherwise, that may arise out of or relate to this Agreement, or the negotiation, execution or performance of this Agreement and the transactions contemplated hereby. </div>
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        <div style="text-align: center; font-style: italic;">[<font style="font-weight: bold;">signature page follows</font>]</div>
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          <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">35</font></div>
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        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">IN WITNESS WHEREOF</font><font style="font-size: 10pt;">, the Parties have caused this Agreement to be duly executed by their
            respective authorized officers as of the day and year first above written.</font></div>
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                <div style="font-weight: bold;">BROADWAY FINANCIAL CORPORATION</div>
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            <tr>
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                <div>By:</div>
              </td>
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              </td>
              <td style="width: 18%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
              </td>
              <td style="width: 74%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div>Name:</div>
              </td>
              <td style="width: 18%; vertical-align: top;">
                <div>Wayne-Kent A. Bradshaw</div>
              </td>
              <td style="width: 74%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div>Title:</div>
              </td>
              <td colspan="2" rowspan="1" style="width: 18%; vertical-align: top;">
                <div>President and Chief Executive Officer</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div>
          <div>
            <div style="text-align: center;">[Stock Purchase Agreement]</div>
          </div>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 3%; vertical-align: top;" rowspan="1" colspan="3">
                <div>Grace &amp; White, Inc. Profit Sharing Plan</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 22%; vertical-align: top;"><br>
              </td>
              <td style="width: 25%; vertical-align: top;" colspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                <div>By:</div>
              </td>
              <td style="width: 22%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
              </td>
              <td style="width: 25%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 22%; vertical-align: top;">
                <div>Name: Gerald I. White</div>
              </td>
              <td style="width: 25%; vertical-align: top;" colspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 22%; vertical-align: top;">
                <div>Title: Trustee</div>
              </td>
              <td style="width: 25%; vertical-align: top;" colspan="1">&#160;</td>
            </tr>

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            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;">
                <div>Address for notices:</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;">
                <div>Marc Ravitz</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;">
                <div>Grace &amp; White, Inc.</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;">
                <div>515 Madison Ave.</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;">
                <div>Suite 1700</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;">
                <div>NY, NY 10022</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div><br>
        </div>
        <div>
          <div style="text-align: center;">[Stock Purchase Agreement]</div>
          <hr noshade="noshade" align="center" style="height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); text-align: center; margin-left: auto; margin-right: auto; border: medium none;"></div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.30
<SEQUENCE>10
<FILENAME>brhc10022486_ex10-30.htm
<DESCRIPTION>EXHIBIT 10.30
<TEXT>
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  <head>
    <title></title>
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<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <div>
      <div>
        <div style="text-align: right;">
          <div style="font-weight: bold;">Execution Version</div>
        </div>
      </div>
      <div style="text-align: right;">
        <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-weight: bold;">Exhibit 10.30</font><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: center;">BROADWAY FINANCIAL CORPORATION</div>
      <div><br>
      </div>
      <div style="text-align: center;">STOCK PURCHASE AGREEMENT</div>
      <div><br>
      </div>
      <div style="text-align: center;">February 19, 2021</div>
      <div> <br>
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        <div style="page-break-after:always;" id="DSPFPageBreak">
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      <div style="text-align: center; font-weight: bold;"><u>TABLE OF CONTENTS</u></div>
      <div>&#160;</div>
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          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">&#160;</td>
            <td style="width: 87%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;"><u>Page</u></div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 87%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td rowspan="1" colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 1.</font><font style="font-size: 10pt;"> PURCHASE&#894; CLOSING</font></div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">1.1</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Issuance, Sale and Purchase</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">1.2</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Closing; Deliverables for the Closing; Conditions to the Closing</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" colspan="3" style="vertical-align: top;">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 2.</font><font style="font-size: 10pt;"> REPRESENTATIONS AND WARRANTIES</font></div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">2.1</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Certain Terms</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">2.2</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Representations and Warranties of the Company</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">5<br>
              </div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">2.3</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Representations and Warranties of the Investor</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">19<br>
              </div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" colspan="3" style="vertical-align: top;">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 3.</font><font style="font-size: 10pt;"> COVENANTS</font></div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">22</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.1</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Conduct of Business Prior to Closing</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">3.2</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Use of Proceeds</div>
            </td>
            <td style="width: 5%; vertical-align: top; text-align: right;">22</td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.3</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Regulatory Filings</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">3.4</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Confidentiality</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">22</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.5</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Publicity</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">23</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">3.6</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Commercially Reasonable Efforts</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">23</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.7</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">Legend</font><font style="font-size: 10pt;">.</font></div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255); text-align: right;">23</td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">3.8</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Exchange Listing</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">24</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.9</div>
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            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Authorized Shares</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">24</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">3.10</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Rule 144 Reporting</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">24</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 4.</font><font style="font-size: 10pt;"> TERMINATION</font></div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">24</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">4.1</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Termination</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">24</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">4.2</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Effects of Termination</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">25</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" colspan="3" style="vertical-align: top;">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 5.</font><font style="font-size: 10pt;"> INDEMNITY</font></div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">5.1</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Indemnification by the Company</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">5.2</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Indemnification by the Investor</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">5.3</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Notification of Claims</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">5.4</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Indemnification Payment</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">5.5</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Exclusive Remedies</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" colspan="3" style="vertical-align: top;">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 6.</font><font style="font-size: 10pt;"> MISCELLANEOUS</font></div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.1</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Survival</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">29<br>
              </div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.2</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Other Definitions</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">29<br>
              </div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.3</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Amendment and Waivers</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">i</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" id="zcdfd40a8c78b4c29b888714c4d9bfd29" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.4</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Counterparts and Facsimile</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.5</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Governing Law</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.6</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">WAIVER OF JURY TRIAL</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.7</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Notices</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.8</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Entire Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.9</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Successors and Assigns</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.10</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Captions</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.11</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Severability</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.12</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Third Party Beneficiaries</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.13</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">Public Announcements</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.14</div>
            </td>
            <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Specific Performance</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.15</div>
            </td>
            <td style="width: 87%; vertical-align: top;">
              <div style="font-weight: bold;">No Recourse to Other Persons</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">34</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;"><u>INDEX OF DEFINED TERMS</u></div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="z77b3a7abef854d74874360f28e2c0792">

          <tr>
            <td rowspan="1" style="width: 95%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;<u>Page</u></td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 95%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Action</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">8<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Affiliate</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Agency</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Authorized Shares Increase Approval</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Bank</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Bank Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Benefit Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Board of Directors</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Business Day</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Capital Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>CDFI</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>CFB</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Class A Common Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Class B Common Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Class C Common Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Closing</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Closing Date</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Code</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Company</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Employees</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Company Financial Statements</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">9</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Indemnified Parties</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">26</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">ii</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" id="zb68d45bf623b4de8ac61a251cff96f44" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Insurance Policies</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Company IT Assets</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">10</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Reports</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">9</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Company Specified Representations</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Stock Plan</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">7</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Company Subsidiaries</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Subsidiary</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Concurrent Other Transactions</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>control</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>controlled by</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>controlling</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Disclosure Schedule</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Disqualification Event</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">18</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>EESA</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>ERISA</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>ERISA Affiliate</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Exchange Act</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">9<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>FDIC</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">6<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>GAAP</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Governmental Authorizations</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Governmental Consent</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Governmental Entity</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Indemnified Party</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Indemnifying Party</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Insider</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">18</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Insurer</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Intellectual Property Rights</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Investment</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Investor</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Investor Indemnified Parties</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Investor Specified Representations</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Knowledge</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Law</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Liens</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">8</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Loan Investor</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Losses</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Material Adverse Effect</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Merger Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Merger Transactions</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Multiemployer Plan</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>OFAC</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">12</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Parties</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Per Share Purchase Price</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Person</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">iii</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" id="z4733f8f867044256951b5ceb18c21a48" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Placement Agents</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Preferred Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">6<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Previously Disclosed</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Purchase Price</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Rule 506</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">18</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>SEC</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Securities Act</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">7</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Shares</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>SLHCA Act</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Stockholder Approval</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Subsidiary</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Surviving Bank</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Tax</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Tax Return</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Taxes</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Third Party Claim</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Threshold Amount</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>under common control with</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Voting Debt</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">8</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Voting Securities</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">32<br>
              </div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">iv</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: center; font-weight: bold;"><u>STOCK PURCHASE AGREEMENT</u></div>
      <div>&#160;</div>
      <div style="text-align: justify; font-size: 12pt; text-indent: 36pt;"><font style="font-size: 10pt; font-weight: bold;">THIS STOCK PURCHASE AGREEMENT </font><font style="font-size: 10pt;">(as amended, supplemented or otherwise modified from time to
          time, this &#8220;<font style="font-weight: bold;"><u>Agreement</u></font>&#8221;) is dated as of February 19, 2021, and is entered into by and among Broadway Financial Corporation, a Delaware corporation (the &#8220;<font style="font-weight: bold;"><u>Company</u></font>&#8221;),






          Butterfield Trust (Bermuda) Limited as Trustee (the &#8220;<font style="font-weight: bold;"><u>Trustee</u></font>&#8221;) of each of the following: The Lorraine Grace Will Trust, The Anne Grace Kelly Trust 99, The Gwendolyn Grace Trust 99, The Lorraine L.
          Grace Trust 99, and The Ruth Grace Jervis Millennium Trust (each, together with the Trustee, an &#8220;<font style="font-weight: bold;"><u>Investor</u></font>&#8221;, and together with the Company, the &#8220;<font style="font-weight: bold;"><u>Parties</u></font>&#8221;).</font></div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><u>RECITALS</u></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt;"><a name="z_Hlk53516059"></a><font style="font-weight: bold;">WHEREAS</font>, the Company is a party to that certain Agreement and Plan of Merger (the &#8220;<font style="font-weight: bold;"><u>Merger
            Agreement</u></font>&#8221;) with CFBanc Corporation, a District of Columbia benefit corporation (&#8220;<font style="font-weight: bold;"><u>CFB</u></font>&#8221;) which provides, among other things and subject to the terms and conditions of the Merger
        Agreement, for (i) the merger of CFB with and into the Company, with the Company continuing as the surviving entity in the Merger (the &#8220;<font style="font-weight: bold;"><u>Merger</u></font>&#8221;), (ii) <font style="color: rgb(38, 38, 38);">immediately
          following the Merger, Broadway Federal Bank, f.s.b., a wholly owned subsidiary of the Company, will merge with and into City First Bank of D.C., National Association (&#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>CFB Sub</u></font><font style="color: rgb(38, 38, 38);">&#8221;), a wholly owned subsidiary of CFB (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Bank Merger</u></font><font style="color: rgb(38, 38, 38);">&#8221; and together with the Merger and </font>the

        other transactions contemplated by the Merger Agreement, the &#8220;<font style="font-weight: bold;"><u>Merger Transactions</u></font>&#8221;)<font style="color: rgb(38, 38, 38);">, with CFB Sub continuing as the surviving entity (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Surviving Bank</u></font><font style="color: rgb(38, 38, 38);">&#8221;)</font>, and (iii) the Company&#8217;s voting common stock, par value $0.01 per share, will be renamed Class A Common Stock (&#8220;<font style="font-weight: bold;"><u>Class A Common Stock</u></font>&#8221;), a new class of non-voting common stock of the Company, par value $0.01 per share, will be created which will be named Class B Common Stock (&#8220;<font style="font-weight: bold;"><u>Class

            B Common Stock</u></font>&#8221;) and the Company&#8217;s currently authorized non-voting common stock, par value $0.01 per share, will be renamed Class C Common Stock (the &#8220;<font style="font-weight: bold;"><u>Class C Common Stock</u></font>&#8221; and
        collectively, the &#8220;<font style="font-weight: bold;"><u>Common Stock</u></font>&#8221; );</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company has engaged Raymond James &amp; Associates, Inc. and Keefe, Bruyette
          &amp; Woods, Inc. as co-placement agents (the &#8220;<font style="font-weight: bold;"><u>Placement Agents</u></font>&#8221;) for the offering of the Common Stock.</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company desires to issue and sell to each Investor, and the Investor desires to
          purchase from the Company, on the terms and conditions described herein, shares of Class A Common Stock set forth on Annex A at the Per Share Purchase Price specified herein (the &#8220;<font style="font-weight: bold;"><u>Investment</u></font>&#8221;);</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made subject to completion of the Merger
          Transactions;</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made concurrently with the sale by the Company of
          shares of Class A Common Stock and Class C Common Stock at the Per Share Purchase Price via private placement to certain other investors (the &#8220;<font style="font-weight: bold;"><u>Concurrent Other Transactions</u></font>&#8221;); and</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">NOW, THEREFORE</font><font style="font-size: 10pt;">, in consideration of the premises, and of the respective representations,
          warranties, covenants and other agreements of the Parties set forth herein, Company and each Investor, severally and not jointly hereby agree as follows:</font></div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageBreak" style="page-break-after: always;">
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      </div>
      <!--PROfilePageNumberReset%Num%2%%%-->
      <div style="text-align: center; font-weight: bold;">ARTICLE 1.</div>
      <div style="text-align: center; font-weight: bold;"> <br>
      </div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655903"></a><a name="z_Toc55380678"></a><a name="z_Toc56510574"></a><a name="z_Toc64554209"></a>PURCHASE&#894; CLOSING</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655904"></a><a name="z_Toc55380679"></a><a name="z_Toc56510575"></a><a name="z_Toc64554210"></a><font style="font-weight: bold;">1.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Issuance,






            Sale and Purchase</u></font>.&#160; On the terms and subject to the conditions set forth herein, the Company agrees to issue and sell to each Investor, and each Investor agrees to purchase from the Company, free and clear of any Liens, the shares of
        Class A Common Stock set forth on <u>Annex A</u> hereto opposite such Investor&#8217;s name (with respect to each Investor, the &#8220;<font style="font-weight: bold;"><u>Shares</u></font>&#8221;) at a per share purchase price of $1.78 (the &#8220;<font style="font-weight: bold;"><u>Per Share Purchase Price</u></font>&#8221;), payable to the Company in immediately available funds at the Closing.&#160; The aggregate purchase price payable pursuant to this Section 1.1 is referred to herein as the &#8220;<font style="font-weight: bold;"><u>Purchase Price</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655905"></a><a name="z_Toc55380680"></a><a name="z_Toc56510576"></a><a name="z_Toc64554211"></a><font style="font-weight: bold;">1.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Closing;






            Deliverables for the Closing; Conditions to the Closing</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Closing</u></font>.&#160; Unless this Agreement has been terminated pursuant to Article 4, and subject to the satisfaction or, to the extent permitted by
        Law and this Agreement, the written waiver of the conditions set forth in Section 1.2(c), the closing of the transaction contemplated by this Agreement (the &#8220;<font style="font-weight: bold;"><u>Closing</u></font>&#8221;) shall take place at the offices
        of Arnold &amp; Porter LLP, located at 777 South Figueroa Street, 44th Floor, Los Angeles, California 90017, or remotely via the electronic or other exchange of documents and signature pages, at 9:00 a.m. Pacific Time on the second Business Day
        after the satisfaction or, if permissible, waiver of the conditions set forth in Section 1.2(c) (other than those which by their nature are to be satisfied at Closing, but subject to the satisfaction or waiver of such conditions), or at such other
        place or such other date as may be agreed to by the Parties (the &#8220;<font style="font-weight: bold;"><u>Closing Date</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160; &#160; &#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing Deliverables</u></font>.&#160; Subject to the satisfaction or permitted waiver of the conditions to the Closing set forth in Section 1.2(c), at
        the Closing the Parties shall make the following deliveries:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Company shall deliver to each Investor one or more certificates evidencing the Shares registered in the name of such Investor (or if the Shares are to be uncertificated, the
        Company shall deliver appropriate evidence of such registration of the Shares in the name of such Investor);</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160; the Company shall deliver to the Trustee a schedule setting forth the aggregate number of shares of each class of Capital Stock outstanding immediately after giving effect to the Merger
        Transactions, the Concurrent Other Transactions and the transactions contemplated hereby; and</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; each Investor shall deliver or shall cause to be delivered the Purchase Price by wire transfer of immediately available funds to the account specified by the Company for this purpose
        by notice to the Investor prior to the Closing.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref53247642"></a>(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing Conditions</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligations of each Investor, on the one hand, and the Company, on the other hand, to consummate the purchase and sale of the Shares provided for in this Agreement are each subject
        to the satisfaction or, to the extent permitted by Law and this Agreement, the waiver by the Company or the Trustee, as applicable, of the following conditions to the Closing under this Agreement:</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;All Governmental Consents required to have been obtained at or prior to the Closing Date in connection with the execution, delivery or performance of this Agreement and the
        consummation of the transactions contemplated hereby shall have been obtained and shall be in full force and effect.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Merger Transactions shall have been consummated in accordance with the Merger Agreement, including the approval of the Merger Agreement by the stockholders of each of the Company
        and CFB;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160; If required under applicable Law or the rules and regulations of the Nasdaq Stock Market, the approval by stockholders of the Company of resolutions providing for the Company&#8217;s issuance
        of the maximum number of shares of Common Stock to be issued under this Agreement and in the Concurrent Other Transactions in accordance with this Agreement, the definitive documentation relating to the Concurrent Other Transactions, and applicable
        Law and the rules and regulations of the Nasdaq Stock Market (such approval being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Stockholder Approval</u></font>&#8221;) shall have been obtained;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Approval by the stockholders of the Company to increase in the authorized number of shares of Voting Common Stock (which will become Class A Common Stock upon completion of the Merger)
        from 50,000,000 shares to 75,000,000 shares, to be effected by the filing of an amended and restated certificate of incorporation of the Company (the &#8220;<font style="font-weight: bold;"><u>Authorized Shares Increase Approval</u></font>&#8221;),<font style="font-weight: bold;">&#160;</font>shall have been obtained.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Investor to consummate the purchase of Shares provided for in this Agreement is also subject to the satisfaction or waiver by the Investor of the following
        conditions to the Closing:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (i) The Company Specified Representations shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on and as
        of the Closing Date and (ii) the other representations and warranties of the Company set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on
        and as of the Closing Date, except, in the case of this clause (ii) only, to the extent that the failure to be true and correct (without regard to any materiality or Material Adverse Effect qualifications contained therein), would not reasonably be
        expected to have, individually or in the aggregate, a Material Adverse Effect and except, in the case of clauses (i) and (ii), that representations and warranties made as of a specified date shall be true and correct as of such date;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior to
        the Closing Date;</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Trustee shall have received a certificate, dated as of the Closing Date, signed on behalf of the Company by a senior executive officer certifying to the effect that the conditions
        set forth in Section 1.2(c)(ii)(A), Section 1.2(c)(ii)(B) and Section 1.2(c)(ii)(D) have been satisfied on and as of the Closing Date; and</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Since the date of this Agreement, no Material Adverse Effect shall have occurred and no change or other event shall have occurred that would reasonably be expected to have,
        individually or in the aggregate, a Material Adverse Effect;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160; The obligation of the Company to consummate the sale of the Shares provided for in this Agreement is also subject to the satisfaction or written waiver by the Company of the following
        conditions to the Closing:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The representations and warranties of each Investor set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the
        Closing Date as though made on and as of the Closing Date, except to the extent that the failure to be true and correct (without regard to any materiality qualifications contained therein) would not materially adversely affect the ability of the
        Investor to perform its obligations hereunder and except that (1) representations and warranties made as of a specified date shall be true and correct as of such date and (2) the representations and warranties of the Investor set forth in Sections
        2.3(d) and 2.3(f) shall be true and correct in all respects;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Each Investor shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior
        to the Closing Date; and</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company shall have received a certificate, dated as of the Closing Date, signed on behalf of the Investor by a duly authorized person certifying to the effect that the conditions
        set forth in Section 1.2(c)(iii)(A) and Section 1.2(c)(iii)(B) have been satisfied on and as of the Closing Date.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: justify;">
        <div style="text-align: center; font-weight: bold;">ARTICLE 2.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655906"></a><a name="z_Toc55380681"></a><a name="z_Toc56510577"></a><a name="z_Toc64554212"></a>REPRESENTATIONS AND WARRANTIES</div>
        <div>&#160;</div>
        <div style="text-indent: 72pt;"><a name="z_Toc53655907"></a><a name="z_Toc55380682"></a><a name="z_Toc56510578"></a><a name="z_Toc64554213"></a><font style="font-weight: bold;">2.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Certain Terms</u></font>.</div>
        <div>&#160;</div>
        <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<u><font style="font-weight: bold;">Material Adverse Effect</font></u>&#8221; means any circumstance, event, change, development or effect that, individually or in the
          aggregate, would reasonably be expected to (i) result in a material adverse effect on the assets, liabilities, business, financial condition or results of operations of the Company and the Company Subsidiaries, taken as a whole, or (ii)
          materially impair or delay the ability of the Company or any of the Company Subsidiaries to perform its or their obligations under this Agreement to consummate the Closing or any of the transactions contemplated hereby; provided, however, that in
          determining whether a Material Adverse Effect has occurred under clause (i), there shall be excluded any circumstance, event, change, development or effect to the extent resulting from (A) actions or omissions of the Company or any Company
          Subsidiary expressly required or contemplated by the terms of this Agreement, (B) changes after the date hereof in general economic conditions in the United States, including financial market volatility or downturns, or in the markets in which
          the Company and the Company Subsidiaries operate, (C) changes after the date hereof affecting the banking industry generally, (D) any changes after the date hereof in applicable Laws or accounting rules or principles, including changes in GAAP,
          (E) changes in the market price or trading volume of the Common Stock or the Company&#8217;s other outstanding securities (but not the underlying causes of such changes), (F) any epidemic, pandemic or disease outbreak (including the Covid-19 virus)
          including any worsening of such conditions; or (G) any failure by the Company or any of the Company Subsidiaries to meet any internal projections or forecasts with regard to the assets, liabilities, business, financial condition or results of
          operations of the Company and the Company Subsidiaries, taken as a whole (but not the underlying causes of such failure), in each case to the extent that such circumstance, event, change, development or effect referred to in clauses (B), (C) and
          (D) do not have a disproportionate effect on the Company and the Company Subsidiaries compared to other participants in the industries or markets in which the Company and the Company Subsidiaries operate. </div>
      </div>
      <div style="text-align: justify; text-indent: 81pt;"> <br>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Previously Disclosed</u></font>&#8221; (i) with regard to any Party, means information set forth in its Disclosure
        Schedule under Section references corresponding with the provision of this Agreement to which such information relates (including, in the case of the Company, information identified in the Company&#8217;s Disclosure Schedule); provided, however, that if
        such information is disclosed in such a way as to make its relevance or applicability to another provision of this Agreement reasonably apparent on its face, such information shall be deemed to be responsive to such other provision of this
        Agreement and (ii) with regard to the Company, includes information publicly disclosed by the Company in any reports, schedules, forms, statements and other documents filed or furnished by the Company under the Securities Act and the Exchange Act
        with the Securities and Exchange Commission (the &#8220;<font style="font-weight: bold;"><u>SEC</u></font>&#8221;), including pursuant to Section 13(a) or 15(d) thereof, since December 31, 2017, in each case available prior to the date of this Agreement
        (excluding any risk factor disclosures contained in such documents under the heading &#8220;Risk Factors&#8221; and any disclosure of risks included in any &#8220;forward-looking statements&#8221; disclaimer or other statements that are similarly non-specific and are
        predictive or forward-looking in nature). Notwithstanding anything in this Agreement to the contrary, the mere inclusion of an item in a Disclosure Schedule shall not be deemed an admission that such item represents a material exception or material
        fact, event or circumstance or that such item has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655908"></a><a name="z_Toc55380683"></a><a name="z_Toc56510579"></a><a name="z_Toc64554214"></a><font style="font-weight: bold;">2.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations






            and Warranties of the Company</u></font>.&#160; Except as Previously Disclosed, the Company hereby represents and warrants to each Investor, as of the date of this Agreement and as of the Closing Date (except for the representations and warranties
        that are as of a specific date, which are made as of that date) that:</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; Each of the Company and the Company Subsidiaries is a corporation or other entity duly organized and validly
        existing under the laws of the jurisdiction of its incorporation or organization. Each of the Company and the Company Subsidiaries is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of
        property or the conduct of its business requires it to be so qualified, except where any failure to be so qualified would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.&#160; Each of the Company and the
        Company Subsidiaries has the corporate or other organizational power and authority to own its properties and assets and to carry on its business as it is now being conducted.&#160; The Company has Previously Disclosed correct and complete copies of the
        certificate of incorporation and bylaws (or similar governing documents) as amended through the date of this Agreement for the Company and Broadway Federal Bank, f.s.b. (the &#8220;<font style="font-weight: bold;"><u>Bank</u></font>&#8221;).&#160; The Company is
        duly registered with the Board of Governors of the Federal Reserve System (the &#8220;<font style="font-weight: bold;"><u>Federal Reserve</u></font>&#8221;) as a savings and loan holding company under the Savings and Loan Holding Company Act, as amended, 12
        U.S.C. 1467a (the &#8220;<font style="font-weight: bold;"><u>SLHCA Act</u></font>&#8221;).&#160; As of the date hereof, the Company is a certified &#8220;community development financial institution&#8221; designated as such under the Community Development Banking and Financial
        Institutions Act of 1994, as amended (12 U.S.C. Sections 5311 et seq.) and its implementing regulations, as applicable (a &#8220;<font style="font-weight: bold;">CDFI</font>&#8221;).&#160; Following the consummation of the Bank Merger, the Surviving Bank will apply
        to be designated as a CDFI.</div>
      <div style="text-indent: 81pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Company Subsidiaries</u></font>.&#160; As of the date of this Agreement, the Company has Previously Disclosed a true, complete and correct list of each
        entity in which the Company, directly or indirectly, owns sufficient capital stock or holds a sufficient equity or similar interest such that it is consolidated with the Company in the financial statements of the Company or has the power to elect a
        majority of the board of directors or other persons performing similar functions (each, a &#8220;<font style="font-weight: bold;"><u>Company Subsidiary</u></font>&#8221; and, collectively, the &#8220;<font style="font-weight: bold;"><u>Company Subsidiaries</u></font>&#8221;).&#160;






        Except for the Company Subsidiaries and as Previously Disclosed, the Company does not own beneficially or control, directly or indirectly, more than 5% of any class of equity securities or similar interests of any corporation, bank, business trust,
        association or similar organization, and is not, directly or indirectly, a partner in any general partnership or party to any joint venture or similar arrangement.&#160; The Company owns, directly or indirectly, all of its interests in each Company
        Subsidiary free and clear of any and all Liens.&#160; No equity security of any Company Subsidiary is or may be required to be issued by reason of any option, warrant, scrip, preemptive right, right to subscribe to, gross-up right, call or commitment of
        any character whatsoever relating to, or security or right convertible into, shares of any capital stock or other interest of such Company Subsidiary, and there are no contracts, commitments, understandings or arrangements by which any Company
        Subsidiary is bound to issue additional shares of its capital stock or other interest, or any option, warrant or right to purchase or acquire any additional shares of its capital stock.&#160; The deposit accounts of the Bank are insured by the Federal
        Deposit Insurance Corporation (&#8220;<font style="font-weight: bold;"><u>FDIC</u></font>&#8221;) to the fullest extent permitted by the Federal Deposit Insurance Act, as amended, and the rules and regulations of the FDIC thereunder, and all premiums and
        assessments required to be paid in connection therewith have been paid when due (after giving effect to any applicable extensions). The Company beneficially owns all of the outstanding capital securities of, and has sole control of, the Bank.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Capitalization</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as set forth on the Disclosure Schedule, as of the date hereof, the authorized Capital Stock of the Company consists of 50,000,000 shares of Voting Common Stock, par value $0.01
        per share (&#8220;<font style="font-weight: bold;"><u>Voting Common Stock</u></font>&#8221;), 25,000,000 shares of Non-Voting Common Stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Non-Voting Common Stock</u></font>&#8221;), and 1,000,000 shares of
        preferred stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Preferred Stock</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, before giving effect to the transaction provided for herein, the Merger Transactions and the Concurrent Other Transactions the Company has issued and
        outstanding: (i) 19,281,758 of shares of Voting Common Stock, including 556,169 shares of Voting Common Stock granted in respect of outstanding restricted stock awards, (ii) 1,637,902 shares of Voting Common Stock held by the trust for the Broadway
        Federal Bank, f.s.b. Employee Stock Ownership Plan, and (iii) 8,756,396 shares of Non-Voting Common Stock.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii) &#160; &#160;&#160;&#160; As of the date hereof, other than in respect of awards outstanding under or issuable pursuant to the Company&#8217;s 2008 Long-Term Incentive Plan (the &#8220;<font style="font-weight: bold;"><u>Company






            Stock Plan</u></font>&#8221;) consisting of options to purchase an aggregate of 450,000 shares of common stock, and except in connection with this Agreement and the transactions contemplated hereby, the Merger Agreement and the Concurrent Other
        Transactions, the Company has not (A) agreed to issue or authorized the issuance after the date hereof of any shares of Common Stock or Preferred Stock, or any securities convertible into or exchangeable or exercisable for shares of Common Stock or
        Preferred Stock, (B) reserved for issuance any shares of Capital Stock of the Company or (C) repurchased or redeemed, or agreed to or authorized the repurchase or redemption of, any shares of Capital Stock of the Company.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160; &#160; &#160; All of the issued and outstanding shares of Capital Stock of the Company have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights,
        except for the preemptive rights granted to certain institutional stockholders of the Company identified on Schedule 2.2(c)(iv) of the Company&#8217;s Disclosure Schedule.&#160; None of the outstanding shares of Capital Stock or other securities of the
        Company or any of the Company Subsidiaries was issued, sold or offered by the Company or any Company Subsidiary in violation of the Securities Act of 1933, as amended (the &#8220;<font style="font-weight: bold;"><u>Securities Act</u></font>&#8221;) or the
        securities or blue sky laws of any state or jurisdiction, or in violation of any agreement, arrangement or commitment to which the Company was or is a party or subject, or in violation of any preemptive or similar rights of any Person.&#160; No bonds,
        debentures, notes or other indebtedness having the right to vote on any matters on which the stockholders of the Company may vote (&#8220;<font style="font-weight: bold;"><u>Voting Debt</u></font>&#8221;) are issued and outstanding.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date of this Agreement, except for the outstanding awards under the Company Stock Plan, the Company does not have and is not bound by any outstanding subscriptions, options,
        warrants, calls, commitments or agreements of any character calling for the purchase or issuance of, or securities or rights convertible into or exchangeable or exercisable for, any shares of Capital Stock or Voting Debt of the Company.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company has the corporate power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The Board of Directors has approved the transactions
        contemplated by this Agreement.&#160; This Agreement has been duly and validly executed and delivered by the Company and, assuming due authorization, execution and delivery by the Investor, is the valid and binding obligation of the Company enforceable
        against the Company in accordance with its terms, except as enforcement may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting
        creditors&#8217; rights or by general equity principles (whether applied in equity or at law).</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">7</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160; &#160;&#160; &#160;&#160; Neither the execution and delivery by the Company of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Company with any of the
        provisions hereof, will, with or without the passage of time and giving of notice, (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would
        constitute a default) under, or result in the termination of, or result in the loss of any benefit or creation of any right on the part of any third party under, or accelerate the performance required by, or result in a right of termination or
        acceleration of, or result in the creation of any liens, charges, adverse rights or claims, pledges, covenants, title defects, security interests or other encumbrances of any kind (&#8220;<font style="font-weight: bold;"><u>Liens</u></font>&#8221;) upon any of
        the properties or assets of the Company or any Company Subsidiary, under any of the terms, conditions or provisions of (1) the certificate of incorporation or bylaws (or similar governing documents) of the Company and each Company Subsidiary or (2)
        any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Company or any of the Company Subsidiaries is a party or by which it may be bound, or to which the Company or any of the
        Company Subsidiaries, or any of the properties or assets of the Company or any of the Company Subsidiaries may be subject, or (B) violate any Law applicable to the Company or any of the Company Subsidiaries or any of their respective properties or
        assets except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
        delivery of this Agreement or for the sale by the Company of Common Stock to the Investor pursuant to this Agreement.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Litigation and Other Proceedings</u></font>.&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material
        Adverse Effect, or as would not reasonably be expected to adversely impact the reputation of the Company, the Company Subsidiaries or their respective investors in any material respect, there is no pending or, to the Knowledge of the Company,
        threatened claim, action, suit, arbitration, complaint, charge or investigation or proceeding (each an &#8220;<font style="font-weight: bold;"><u>Action</u></font>&#8221;) against the Company or any Company Subsidiary or any of their respective assets, rights
        or properties, nor is the Company or any Company Subsidiary a party or named as subject to the provisions of any order, writ, injunction, settlement, judgment or decree of any court, arbitrator or government agency, or instrumentality.&#160; There has
        not been, and to the Knowledge of the Company, there is not pending or contemplated, any investigation or other Action by the SEC involving the Company or any current or former director or officer of the Company in his or her capacity as such.</div>
      <div style="text-indent: 81pt;">&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">8</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Financial Statements</u></font>.&#160; The audited consolidated balance sheets of the Company and the Company Subsidiaries and the related consolidated
        statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s Annual Report on Form 10-K filed with the SEC for the year ended December 31, 2019 and the unaudited consolidated
        balance sheets of the Company and the Company Subsidiaries and the related unaudited consolidated statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s quarterly reports
        on Form 10-Q filed with the SEC for the quarterly period ending September 30, 2020 (the &#8220;<font style="font-weight: bold;"><u>Company Financial Statements</u></font>&#8221;) (i) have been prepared from, and are in accordance with, the books and records of
        the Company and the Company Subsidiaries, (ii) complied, as of the date of such filing, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, (iii) have been
        prepared in accordance with GAAP applied on a consistent basis and (iv) present fairly in all material respects the consolidated financial position of the Company and the Company Subsidiaries at the dates and the consolidated results of operations,
        changes in stockholders&#8217; equity and cash flows of the Company and the Company Subsidiaries for the periods stated therein.</div>
      <div style="text-indent: 81pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(h) &#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Reports</u></font>.&#160; Since December 31, 2017, the Company and each Company Subsidiary have filed all material reports, registrations, documents,
        filings, statements and submissions, together with any required amendments thereto, that they were required to file with any Governmental Entity, including all those required under the Exchange Act, including pursuant to Section 13(a) or 15(d)
        thereof (the foregoing, collectively, being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Company Reports</u></font>&#8221;) and have paid all material fees and assessments due and payable in connection therewith.&#160; As of their respective
        filing dates, or as subsequently amended prior to the date hereof, the Company Reports complied in all material respects with all statutes and applicable rules and regulations of the applicable Governmental Entities.&#160; As of the date of this
        Agreement, there are no outstanding comments from the SEC or any other Governmental Entity with respect to any Company Report that were the subject of written correspondence that have not been resolved.&#160; The Company Reports, including the documents
        incorporated by reference in each of them, each contained all the information required to be included in it and, when it was filed and, as of the date of each such Company Report filed with the SEC, or if amended prior to the date of this
        Agreement, as of the date of such amendment, did not contain an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made in it, in light of the circumstances under which they were made, not
        misleading and complied as to form in all material respects with the applicable requirements of the Securities Act and the Securities Exchange Act of 1934, as amended (the &#8220;<font style="font-weight: bold;"><u>Exchange Act</u></font>&#8221;).&#160; No
        executive officer of the Company has failed in any respect to make the certifications required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act of 2002.</div>
      <div style="text-indent: 81pt;">&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">9</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Internal Accounting and Disclosure Controls</u></font>.&#160; The records, systems, controls, data and information of the Company and the Company
        Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of the Company or the
        Company Subsidiaries (including all means of access thereto and therefrom) or reputable banking industry service providers, except for any non-exclusive ownership and non-direct control that would not reasonably be expected to have an adverse
        effect on the system of internal accounting controls described below in this Section 2.2(i).&#160; The Company (i) has implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) intended to ensure
        that material information relating to the Company, including its consolidated Subsidiaries, is made known to the chief executive officer and the chief financial officer of the Company by others within those entities, and (ii) has disclosed, based
        on its most recent evaluation prior to the date of this Agreement, to the Company&#8217;s outside auditors and the audit committee of the Board of Directors (A) any significant deficiencies and material weaknesses in the design or operation of internal
        control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) that are reasonably likely to adversely affect the Company&#8217;s ability to record, process, summarize and report financial information, and (B) any fraud, whether or
        not material, that involves management or other employees who have a significant role in the Company&#8217;s internal controls over financial reporting.&#160; As of the date of this Agreement, the Company has no Knowledge of any reason that its outside
        auditors and its chief executive and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act of 2002, without
        qualification, when due.&#160; Since December 31, 2017, neither the Company nor any Company Subsidiary nor, to the Knowledge of the Company, any director, officer, employee, auditor, accountant or representative of the Company or any Company Subsidiary
        has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods of the Company or any
        Company Subsidiary or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that the Company or any Company Subsidiary has engaged in questionable accounting or auditing practices.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref_ContractCompanion_9kb9Ur04C"></a>(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Data Privacy</u></font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries have taken commercially reasonable steps consistent with customary industry practices to protect the
        confidentiality, integrity, availability and security of the computers, servers, workstations, routers, hubs, switches, circuits, networks and other information technology equipment owned or controlled by them or by any third party and material to
        the Company and the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company IT Assets</u></font>&#8221;) (and all information and transactions stored or contained therein or transmitted thereby) against any unauthorized use, access,
        interruption, modification or corruption, and there has been no unauthorized use, access, interruption, modification or corruption of the Company IT Assets.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(ii)</font> &#160; &#160;&#160;&#160; In connection with their receipt, purchase, collection, securing, safeguarding, storage, transfer (including any transfer across national
        borders), disclosure, destruction/disposal, and/or use or other processing of any Personal Information, each of the Company and the Company Subsidiaries, is and has been, in material compliance with all Privacy Laws, their respective privacy
        policies and the requirements of any contract or codes of conduct to which any of the Company or the Company Subsidiaries is a party.&#160; The privacy policies of the Company are customary for the industry in which the Company operates.&#160; The Company
        and the Company Subsidiaries have commercially reasonable and appropriate physical, technical, organizational, and administrative security measures and policies in place designed to protect all Personal Information collected by them or on their
        behalf from and against unauthorized access, use, interruption, modification, corruption, and/or disclosure.&#160; The Company and the Company Subsidiaries have binding written agreements obligating (in accordance with and as required by Privacy Laws
        (as applicable)) all third parties collecting, accessing, receiving, storing or processing Personal Information on behalf of the Company and the Company Subsidiaries to (i) comply with all applicable Privacy Laws, (ii) take commercially reasonable
        and appropriate steps to protect and secure such Personal Information from and against unauthorized access, use interruption, modification, corruption, and/or disclosure which are no less stringent than those applied by the Company and the Company
        Subsidiaries and (iii) promptly notify the Company and the Company Subsidiaries of any unauthorized access, use interruption, modification, corruption, and/or disclosure of Personal Information or Company IT Assets processing Personal Information.&#160;
        The Company and the Company Subsidiaries are, and since December 31, 2017, have been, in compliance in all material respects with all Privacy Laws and any other applicable Laws in all relevant jurisdictions relating to data loss, theft and breach
        of security notification obligations.&#160; Since December 31, 2017, none of the Company or any of the Company Subsidiaries has experienced a material breach of its information technology systems or a data loss or theft as defined by the Laws in all
        relevant jurisdictions.&#160; None of the Company or any of the Company Subsidiaries has been charged with, or received any notice of any claims of, the violation in any material respect of any Privacy Laws or any of their respective privacy policies.&#160;
        The consummation of the transactions contemplated hereby will not breach or otherwise cause any violation of any Privacy Law.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">10</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; For the purposes of this <u>Section 2.2(j)</u>:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(1)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<u>Personal Information</u>&#8221; means, in addition to any definition provided by applicable law or by the Company and the Company
        Subsidiaries in any of their respective privacy policies, contracts, or other public-facing statements for any similar term (<font style="font-style: italic;">e.g.</font>, &#8220;personally identifiable information&#8221; or &#8220;PII&#8221;), all information
        identifying, regarding or capable of being associated with an individual person or device.&#160; Personal Information may relate to any individual, including a current, prospective or former client (or a client&#8217;s customer or end user) or employee of any
        Person, and includes information in any form, including paper, electronic and other forms.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(2)</font>&#160;&#160;&#160;&#160; &#160;&#160; &#160;&#160; &#8220;<u>Privacy Laws</u>&#8221; means all applicable laws, legal requirements, and self-regulatory guidelines and principles relating to privacy, data
        security, and Personal Information and similar applicable consumer protection laws, including with respect to the receipt, collection, compilation, use, storage, processing, sharing, safeguarding, security, disposal, destruction, disclosure or
        transfer of Personal Information and any and all applicable laws governing breach notification in connection with Personal Information.&#160; As used in this Agreement, &#8220;Privacy Laws&#8221; shall include the California Consumer Privacy Act, General Data
        Protection Regulation and the rules and regulations promulgated thereunder, and applicable state laws.</div>
      <div style="text-indent: 81pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Undisclosed Liabilities</u></font>.&#160; There are no liabilities of the Company or any of the Company Subsidiaries of any kind whatsoever, whether
        accrued, contingent, absolute, determined, determinable or otherwise, except for (i) liabilities adequately reflected or reserved against in accordance with GAAP in the Company&#8217;s audited balance sheet as of December 31, 2019 and (ii) liabilities
        that have arisen in the ordinary and usual course of business and consistent with past practice since December 31, 2019 and that have not or would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">11</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Mortgage Lending</u></font>.&#160; The Company and each of the Company Subsidiaries have complied in all material respects with, and all documentation in
        connection with the origination, processing, underwriting and credit approval of any mortgage loan originated, purchased or serviced by the Company or any Company Subsidiary has satisfied, in all material respects (i) all Laws with respect to the
        origination, insuring, purchase, sale, servicing, or filing of claims in connection with mortgage loans, including all Laws relating to real estate settlement procedures, consumer credit protection, truth in lending laws, usury limitations, fair
        housing, transfers of servicing, collection practices, equal credit opportunity and adjustable rate mortgages, (ii) the responsibilities and obligations relating to mortgage loans set forth in any agreement between the Company and any Agency, Loan
        Investor or Insurer, (iii) the applicable rules, regulations, guidelines, handbooks and other requirements of any Agency, Loan Investor or Insurer and (iv) the terms and provisions of any mortgage or other collateral documents and other loan
        documents with respect to each mortgage loan.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Bank Secrecy Act; Anti-Money Laundering; OFAC; and Customer Information</u></font>.&#160; The Company is not aware of, has not been advised of, and, to the
        Knowledge of the Company, has no reason to believe that any facts or circumstances exist that would cause it or any Company Subsidiary to be deemed to be not operating in compliance, in all material respects, with the Bank Secrecy Act of 1970, as
        amended, the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (also known as the USA PATRIOT Act), any order or regulation issued by the Treasury&#8217;s Office of Foreign Assets
        Control (&#8220;<font style="font-weight: bold;"><u>OFAC</u></font>&#8221;), or any other applicable anti-money laundering or anti-terrorist-financing statute, rule or regulation.&#160; The Company is not aware of any facts or circumstances that would cause it to
        believe that any nonpublic customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause it to undertake any material remedial action.&#160; The Company and each of the Company Subsidiaries have
        adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with the USA PATRIOT Act and such anti-money laundering program meets the requirements in
        all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and they have complied in all respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the
        regulations thereunder.&#160; The Company will not directly or indirectly use the proceeds of the sale of the Common Stock pursuant to transactions contemplated by this Agreement, or lend, contribute or otherwise make available such proceeds to any
        Company Subsidiary, joint venture partner or other Person, towards any sales or operations in any country appearing on the OFAC Specially Designated Nationals List (&#8220;<font style="font-weight: bold;"><u>SDN List</u></font>&#8221;) or for the purpose of
        financing the activities of any Person currently appearing on the SDN List.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">12</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Certain Payments</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries, nor any directors or officers of the Company, nor to the
        Knowledge of the Company, employees or any Affiliates of the Company or the Company Subsidiaries or any other Person who to the Knowledge of the Company is associated with or acting on behalf of the Company or any of the Company Subsidiaries has
        directly or indirectly (i) made any contribution, gift, bribe, rebate, payoff, influence payment, kickback, or other payment in material violation of any Law, including the U.S. Foreign Corrupt Practices Act of 1977, as amended, and any applicable
        anti-bribery or anti-corruption laws, to any Person, private or public, regardless of form, whether in money, property, or services (A) to obtain favorable treatment in securing business for the Company or any of the Company Subsidiaries, (B) to
        pay for favorable treatment for business secured by the Company or any of the Company Subsidiaries, or (C) to obtain special concessions or for special concessions already obtained, for or in respect of the Company or any of the Company
        Subsidiaries or (ii) established or maintained any fund or asset with respect to the Company or any of the Company Subsidiaries that was required by Law or GAAP to have been recorded and was not recorded in the books and records of the Company or
        any of the Company Subsidiaries.&#160; <font style="color: rgb(0, 0, 0);">Neither the Company nor any Company Subsidiaries has conducted any internal investigation, made any voluntary, directed, or involuntary disclosure to any Governmental Entity, or
          received any audit report, written communication from a Governmental Entity, or whistleblower or other written complaint, involving alleged violations in any material respect of </font>the U.S. Foreign Corrupt Practices Act of 1977, as amended,
        and any applicable anti-bribery or anti-corruption laws <font style="color: rgb(0, 0, 0);">on the part of the Company, any of the Company Subsidiaries, or any Person acting on behalf of the Company or any of the Company Subsidiaries.</font></div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Absence of Certain Changes</u></font>.&#160; Since December 31, 2019 and except as Previously Disclosed or as required or contemplated by the terms of
        this Agreement, (i) the Company and the Company Subsidiaries have conducted their respective businesses in all material respects in the ordinary and usual course of business consistent with past practices, (ii) through (and including) the date of
        this Agreement, no fact, event, change, condition, development, circumstance or effect has occurred that has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and (iii) no material default (or
        event which, with notice or lapse of time, or both, would constitute a material default) exists on the part of the Company or any Company Subsidiary in the due performance and observance of any term, covenant or condition of any agreement to which
        the Company or any Company Subsidiary is a party and which would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Compliance with Laws</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160; &#160; &#160; The Company, each Company Subsidiary and each of their officers, agents, representatives and employees possesses, holds and have all material permits, licenses, franchises,
        authorizations, orders, consents, registrations, accreditations and approvals of, and have made all filings, applications and registrations with, Governmental Entities that are required in order to permit the Company and each Company Subsidiary to
        own or lease their properties and assets and to carry on their business as presently conducted and that are material to the business of the Company and each Company Subsidiary (collectively, the &#8220;<font style="font-weight: bold;"><u>Governmental
            Authorizations</u></font>&#8221;).&#160; The Company and the Company Subsidiaries, and to the Company&#8217;s Knowledge, their respective officers, agents, representatives and employees, are not in default under any of such Governmental Authorizations, which
        default(s) would be, or be reasonably expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; The Company and each Company Subsidiary have complied with and (A) are not, and since
        December 31, 2017, have not been, in default or violation in any respect of, (B) are not under investigation with respect to, and (C) have not been threatened to be charged with or given notice of any material violation of, any applicable material
        domestic (federal, state or local) or foreign law, statute, ordinance, license, rule, regulation, policy or guideline, order, demand, writ, injunction, decree or judgment of any Governmental Entity (each, a &#8220;<font style="font-weight: bold;"><u>Law</u></font>&#8221;),







        other than such noncompliance, defaults or violations as would not reasonably be expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; No Governmental Entity has placed any
        material restriction on the business or properties of the Company or any of the Company Subsidiaries.&#160; As of the date hereof, the Bank has a Community Reinvestment Act rating of &#8220;outstanding.&#8221;</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">13</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160; &#160; &#160; Except for normal examinations conducted by a Governmental Entity in the ordinary course of business of the Company and the Company Subsidiaries, (A) no Governmental Entity has
        initiated or has pending any proceeding or, to the Knowledge of the Company, investigation into the business or operations of the Company or any of the Company Subsidiaries since December 31, 2017, (B) there is no unresolved violation or exception
        by any Governmental Entity with respect to any report or statement relating to any examinations or inspections of the Company or any of the Company Subsidiaries, and (C) there have been no formal or informal inquiries by, or disagreements or
        disputes with, any Governmental Entity with respect to the business, operations, policies or procedures of the Company or any of the Company Subsidiaries since December 31, 2017, in each case of clauses (A) through (C), which would reasonably be
        expected, individually or in the aggregate, to be material to the Company and the Company Subsidiaries (taken as a whole).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries are not, and since December 31, 2017, have not been, in violation or default of any provisions of their respective certification of
        incorporation or bylaws (or similar governing documents).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Adequate Capitalization</u></font>.&#160; As of September 30, 2020, the Bank met or exceeded the standards necessary to be considered &#8220;adequately
        capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.&#160; As of the Closing and after giving effect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions, the Bank meets or exceeds the
        standards necessary to be considered &#8220;adequately capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Agreements with Regulatory Agencies</u></font>.&#160; The Company and the Company Subsidiaries (A) are not subject to any cease-and-desist or other
        similar order or enforcement action issued by, (B) are not a party to any written agreement, consent agreement or memorandum of understanding with, (C) are not a party to any commitment letter or similar undertaking to, and (D) are not subject to
        any capital directive by, and since December 31, 2019, neither the Company nor any of the Company Subsidiaries has adopted any board resolutions at the request of any Governmental Entity that currently restricts in any material respect the conduct
        of its business or that in any material manner relates to its capital adequacy, its liquidity and funding policies and practices, its ability to pay dividends, its credit, risk management or compliance policies, its internal controls, its
        management or its operations or business, nor has the Company nor any of the Company Subsidiaries been advised since December 31, 2019 by any Governmental Entity that it is considering issuing, initiating, ordering, or requesting any of the same.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">14</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Insurance</u></font>.&#160; The Company and each of the Company Subsidiaries are presently insured, and have been insured for at least the past two
        years, for reasonable amounts with financially sound and reputable insurance companies against such risks as companies engaged in a similar business would, in accordance with good business practice, customarily be insured.&#160; All of the policies,
        bonds and other arrangements providing for the foregoing (the &#8220;<font style="font-weight: bold;"><u>Company Insurance Policies</u></font>&#8221;) are in full force and effect, the premiums due and payable thereon have been or will be timely paid through
        the Closing Date, and there is no material breach or default (and no condition exists or event has occurred that, with the giving of notice or lapse of time or both, would constitute such a material breach or default) by the Company or any of the
        Company Subsidiaries under any of the Company Insurance Policies or, to the Knowledge of the Company, by any other party to the Company Insurance Policies.&#160; Neither the Company nor any of the Company Subsidiaries has received any written notice of
        cancellation or non-renewal of any Company Insurance Policy nor, to the Knowledge of the Company, is the termination of any such policies threatened in writing by the insurer, and there is no material claim for coverage by the Company, or any of
        the Company Subsidiaries, pending under any of such Company Insurance Policies as to which coverage has been denied or disputed by the underwriters of such Company Insurance Policies or in respect of which such underwriters have reserved their
        rights.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Title</u></font>.&#160; The Company and the Company Subsidiaries have good and marketable title in fee simple to all real property owned by them and
        good and valid title to all material personal property owned by them, in each case free and clear of all Liens, except for Liens which do not materially affect the value of such property or do not interfere with the use made and proposed to be made
        of such property by the Company or any Company Subsidiary.&#160; Any real property and facilities held under lease by the Company or the Company Subsidiaries are leased pursuant to valid, subsisting and enforceable leases with such exceptions that are
        not material and do not interfere with the use made and proposed to be made of such property and facilities by the Company or the Company Subsidiaries.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; color: rgb(0, 0, 0); font-size: 12pt; text-indent: 72pt;"><a name="z_Toc334353686"></a><a name="z_Ref210137921"></a><font style="font-size: 10pt;">(u)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Intellectual Property</u></font><font style="font-weight: bold;">.</font>&#160; The Company and the Company Subsidiaries own or possess adequate rights or licenses to use all trademarks, service marks and all
          applications and registrations therefor, trade names, patents, patent rights, copyrights, original works of authorship, inventions, trade secrets and other intellectual property rights (collectively, &#8220;<font style="font-weight: bold;"><u>Intellectual
              Property Rights</u></font>&#8221;) used in their businesses as conducted on the date of this Agreement, except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.&#160; To the Knowledge of the
          Company, no product or service of the Company or the Company Subsidiaries infringes the Intellectual Property Rights of others.</font></div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Employee Benefits</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 2.2(v) of the Disclosure Schedule sets forth a correct and complete list of each &#8220;<u>employee benefit plan</u>&#8221; (within the meaning of Section 3(3) of the Employee Retirement
        Income Security Act of 1974, as amended (&#8220;<font style="font-weight: bold;"><u>ERISA</u></font>&#8221;), including, without limitation, multiemployer plans within the meaning of Section 3(37) of ERISA), and all stock purchase, stock option, severance,
        employment, change-in-control, fringe benefit, bonus, incentive, deferred compensation and all other employee benefit plans, agreements, programs, policies or other arrangements, whether or not subject to ERISA (including any funding mechanism
        therefor now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (A) any current or former employee or director of the Company or
        any of the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company Employees</u></font>&#8221;) has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or any of the Company
        Subsidiaries or (B) the Company or any Company Subsidiary has had or has any present or future liability. All such plans, agreements, programs, policies and arrangements are collectively referred herein to as the &#8220;<font style="font-weight: bold;"><u>Benefit






            Plans</u></font>.&#8221;</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">15</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; (A) Each Benefit Plan has been established and administered in all material respects in accordance with its terms, and in compliance with the applicable provisions of ERISA, the Code
        and other Laws&#894; (B) no &#8220;reportable event&#8221; (as such term is defined in Section 4043 of ERISA) that could reasonably be expected to result in material liability has occurred with respect to any Benefit Plan, and (C) no non-exempt &#8220;prohibited
        transaction&#8221; (as such term is defined in Section 406 of ERISA and Section 4975 of the Code) has been engaged in by the Company or any Company Subsidiary with respect to any Benefit Plan that has or is expected to result in any material liability or
        &#8220;accumulated funding deficiency&#8221; (as such term is defined in Section 302 of ERISA and Section 412 of the Code (whether or not waived)).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries will be in compliance, as of the Closing Date, with Sections 111 and 302 of the Emergency Economic Stabilization Act of 2008, as amended by
        the U.S. American Recovery and Reinvestment Act of 2009, including all guidance issued thereunder by a Governmental Entity (collectively &#8220;<font style="font-weight: bold;"><u>EESA</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160; None of the Company or any Company Subsidiary or any trade or business, whether or not incorporated (an &#8220;<font style="font-weight: bold;"><u>ERISA Affiliate</u></font>&#8221;), all of which
        together with the Company or any Company Subsidiary would be deemed a &#8220;single employer&#8221; within the meaning of Section 4001 of ERISA, has, at any time during the last six years, contributed to or been obligated to contribute to any plan that is (i)
        subject to Title IV or Section 302 of ERISA or Section 412 or 4971 of the Code or (ii) a &#8220;multiemployer plan&#8221; within the meaning of Section 4001(a)(3) of ERISA (a &#8220;<font style="font-weight: bold;"><u>Multiemployer Plan</u></font>&#8221;) or a plan that
        has two or more contributing sponsors at least two of whom are not under common control, within the meaning of Section 4063 of ERISA; and none of Company and the Company Subsidiaries nor any of their respective ERISA Affiliates has incurred any
        liability to a Multiemployer Plan as a result of a complete or partial withdrawal from such Multiemployer Plan, as those terms are defined in Part I of Subtitle E of Title IV of ERISA.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the Company nor any Company Subsidiary has any material unfunded liabilities existing under or in connection with any Benefit Plan, and each such Benefit Plan has been
        established and administered in all respects in accordance with its terms, and in compliance with applicable law, except where failure to be in compliance would not reasonably be expected to result in, individually or in the aggregate, a Material
        Adverse Effect.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(vi)&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution of this Agreement nor the consummation of the transactions contemplated hereby could (either alone or in conjunction with any other event) reasonably be expected
        to result in, cause the accelerated vesting, funding or delivery of, or increase the amount or value of, any payment or benefit to any employee, officer or director of the Company or any Company Subsidiary.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">16</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Taxes</u></font>.&#160; All material Tax Returns required to be filed by, or on behalf of, the Company or the Company Subsidiaries have been timely filed,
        or will be timely filed, in accordance with all Laws, and all such Tax Returns are, or will be at the time of filing, complete and correct in all material respects.&#160; The Company and the Company Subsidiaries have timely paid all material Taxes due
        and payable (whether or not shown on such Tax Returns), or, where payment is not yet due, have made adequate financial statement provisions therefor in accordance with GAAP.&#160; There are no Liens with respect to Taxes upon any of the assets or
        properties of either the Company or the Company Subsidiaries other than with respect to Taxes not yet due and payable.&#160; As of the date of this Agreement, there are not pending or threatened in writing, any audits, examinations, investigations or
        other proceedings initiated by the Internal Revenue Service in respect of U.S. federal income tax matters.&#160; None of the Company or any of the Company Subsidiaries has been a &#8220;controlled corporation&#8221; or a &#8220;distributing corporation&#8221; in any
        distribution occurring during the two-year period ending on the date hereof that was purported or intended to be governed by Section 355 of the Code (or any similar provision of state, local or foreign Law).&#160; The Company and each Company Subsidiary
        is, and has been since the date of its formation, a corporation for U.S. federal income tax purposes, and neither the Company nor any Company Subsidiary has elected pursuant to the Code to be treated as a Subchapter S corporation pursuant to
        Section 1362(a) of the Code, nor has it made any other elections pursuant to the Code (other than elections that relate solely to methods of accounting, depreciation or amortization) that would have, or be <font style="color: rgb(0, 0, 0);">reasonably
          expected to result in, </font>individually or in the aggregate, <font style="color: rgb(0, 0, 0);">a Material Adverse Effect.</font></div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Labor</u></font>.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Employees of the Company and the Company Subsidiaries are not represented by any labor union nor are any collective bargaining agreements otherwise in effect with respect to such
        employees.&#160; No labor organization or group of employees of the Company or any Company Subsidiary has made a pending demand for recognition or certification, and there are no representation or certification proceedings or petitions presently pending
        or threatened to be brought or filed with the National Labor Relations Board or any other labor relations tribunal or authority, nor have there been in the last three years.&#160; There are no strikes, work stoppages, slowdowns, labor picketing
        lockouts, material arbitrations or material grievances, or other material labor disputes pending or, to the Knowledge of the Company, threatened against or involving the Company or any Company Subsidiary, nor have there been any in the past year.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160; &#160;&#160; &#160;&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, the Company and the Company Subsidiaries are in compliance with all
        federal and state Laws and requirements respecting employment and employment practices, terms and conditions of employment, collective bargaining, disability, immigration, health and safety, wages, hours and benefits, non-discrimination in
        employment, workers&#8217; compensation and the collection and payment of withholding and/or payroll taxes and similar taxes.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160; There is no charge or complaint pending or threatened before any Governmental Entity alleging unlawful discrimination in employment practices, unfair labor practices or other unlawful
        employment practices by the Company or any Company Subsidiary.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">17</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160; &#160; &#160; To the Knowledge of the Company, since December 31, 2017, (i) no allegations of sexual harassment or misconduct have been made against (A) an officer of the Company or any of the
        Company Subsidiaries, (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000,
        and (ii) neither the Company nor any of the Company Subsidiaries has entered into any settlement agreements related to allegations of sexual harassment or misconduct by (A) an officer of the Company or any of the Company Subsidiaries, (B) a member
        of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Except as Previously Disclosed, neither the Company nor any of its officers, directors, employees or agents has
        employed any broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Company in connection with this Agreement or the
        transactions contemplated hereby, the fees of which would be payable by the Investor.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(z)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Offering of Securities</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;"><a name="z_Hlk61609564"></a>(i)&#160;&#160;&#160;&#160;&#160; &#160;&#160; Neither the Company nor any Person acting on its behalf has taken any action (including any offering of any securities of the Company under circumstances
        which would require the integration of such offering with the offering of any of the Shares to be issued pursuant to this Agreement under the Securities Act and the rules and regulations of the SEC promulgated thereunder) which would subject the
        offering, issuance or sale of any of the Shares to be issued pursuant to this Agreement to be subject to the registration requirements of the Securities Act.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company is not disqualified from relying on Rule 506 of Regulation D (&#8220;<font style="font-weight: bold;">Rule 506</font>&#8221;) under the Securities Act for any of the reasons stated in
        Rule 506(d) (each such reason, a &#8220;<font style="font-weight: bold;">Disqualification Event</font>&#8221;) in connection with the issuance and sale of the Shares to the Investor.&#160; The Company has furnished the Investor, a reasonable time prior to the date
        hereof, a description in writing of any matters that would have triggered disqualification under Rule 506(d) but which occurred before September 23, 2013, in each case, in compliance with the disclosure requirements of Rule 506(e).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(aa)&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Affiliate Transactions</u></font>.&#160; No officer, director, five percent (5%) stockholder or other Affiliate of the Company (or any Company Subsidiary),
        or any individual who, to the Knowledge of the Company, is related by marriage or adoption to or shares the same home as any such Person, or any entity which, to the Knowledge of the Company, is controlled by any such Person (collectively, an &#8220;<font style="font-weight: bold;"><u>Insider</u></font>&#8221;), is a party to any contract or transaction with the Company (or any Company Subsidiary) which pertains to the business of the Company (or any Company Subsidiary) or has any interest in any
        property, real or personal or mixed, tangible or intangible, used in or pertaining to the business of the Company or any Company Subsidiary.&#160; The foregoing representation and warranty does not include deposit accounts of an Insider at the Company
        or any Company Subsidiary or loans of $250,000 or less made in the ordinary course of business to Insiders in compliance with Regulation O and other applicable Law.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">18</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(bb)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Private Placement</u></font>.&#160; <a name="z_Hlk61609623"></a>Assuming the accuracy of the Investor&#8217;s representations and warranties set forth in
        Section 2.3 of this Agreement, no registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.&#160; Assuming the Stockholder Approval is obtained (if required), the issuance and sale of the
        Shares hereunder does not contravene the rules and regulations of the Nasdaq Stock Market.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(cc)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Listing and Maintenance Requirements</u></font>.&#160; The Company&#8217;s Voting Common Stock is (and at the Closing, the Class A Common Stock will be)
        registered pursuant to Section 12(b) of the Exchange Act, and the Company has taken no action designed to terminate the registration of the Voting Common Stock under the Exchange Act nor has the Company received any notification that the SEC is
        contemplating terminating such registration.&#160; The Company has not, in the 12 months preceding the date hereof, received written notice from the Nasdaq Stock Market to the effect that the Company is not in compliance with the listing or maintenance
        requirements of the Nasdaq Stock Market.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(dd)&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Investment Company</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries is required to be registered as, and is not an Affiliate of,
        and immediately following the Closing will not be required to register as, an &#8220;investment company&#8221; within the meaning of the Investment Company Act of 1940, as amended.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(ee)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Acknowledgment Regarding the Investor&#8217;s Purchase of Shares</u></font>.&#160; The Company acknowledges and agrees that the Investor is acting solely in
        the capacity of an arm&#8217;s length purchaser with respect to this Agreement and the transactions contemplated hereby.&#160; The Company further acknowledges that the Investor is not acting as a financial advisor or fiduciary of the Company (or in any
        similar capacity) with respect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions and any advice given by the Investor or any of its representatives or agents in connection with this Agreement, the
        transactions contemplated hereby and the Concurrent Other Transactions is merely incidental to Investor&#8217;s purchase of the Shares.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(ff)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No General Solicitation or General Advertising</u></font>.&#160; <a name="z_Hlk61609724"></a>Neither the Company nor any person acting on its behalf has
        engaged or will engage in any form of general solicitation or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(gg)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Shell Company Status</u></font>.&#160; The Company is not, and has never been, an issuer identified in Rule 144(i)(1) under the Securities Act.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(hh)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Valid Issuance of Shares</u></font><font style="font-weight: bold;">.</font>&#160; The Shares sold and delivered in accordance with the terms hereof for
        the consideration expressed herein will be duly and validly issued, fully paid and nonassessable and free of restrictions on transfer other than restrictions on transfer under applicable state and federal securities laws.&#160; Assuming the accuracy of
        the representations and warranties of the Investor set forth in Section 2.3, the Shares will be issued in compliance with all applicable federal and state securities laws.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655909"></a><a name="z_Toc55380684"></a><a name="z_Toc56510580"></a><a name="z_Toc64554215"></a><font style="font-weight: bold;">2.3</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations






            and Warranties of the Investor</u></font>.&#160;&#160; Except as Previously Disclosed, each Investor on behalf of itself only hereby represents and warrants to the Company, as of the date hereof and as of the Closing Date (except for the representations
        and warranties that are as of a specific date which are made as of that date) that:</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">19</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; The Investor is duly organized, validly existing and in good standing under the laws of the jurisdiction of
        its organization, is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of property or the conduct of its business requires it to be so qualified and where failure to be so qualified would be
        reasonably expected to materially and adversely impair or delay its ability to perform its obligations under this Agreement or to consummate the transactions contemplated hereby.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>. </div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Trustee has the legal capacity and necessary power and authority to execute and deliver this Agreement and to perform the obligations hereunder on behalf of the Investor.&#160; The
        execution, delivery and performance of this Agreement and the consummation of the transactions contemplated hereby have been duly authorized by its board of directors, general partner or managing members, investment committee, investment adviser or
        other authorized person, as the case may be, and no further approval or authorization by any of its stockholders, partners or other equity owners, as the case may be, is required.&#160; This Agreement has been duly and validly executed and delivered by
        the Investor and, assuming due authorization, execution and delivery by the Company is the valid and binding obligation of the Investor enforceable against the Investor in accordance with its terms (except as enforcement may be limited by
        applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution, delivery and performance by the Investor of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Investor with any
        of the provisions hereof, will (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would constitute a default) under, or result in the termination
        of, or accelerate the performance required by, or result in a right of termination or acceleration of, or result in the creation of any Liens upon any of the properties or assets of the Investor under any of the terms, conditions or provisions of
        (1) its trust instrument, deed, agreement, declaration, or similar governing documents or (2) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Investor is a party or by
        which the Investor may be bound, or to which the Investor or any of the properties or assets of the Investor may be subject, or (B) violate any Law applicable to the Investor or any of its properties or assets, except in the case of clauses (A)(2)
        and (B) for such violations, conflicts and breaches as would not reasonably be expected to materially adversely affect the Investor&#8217;s ability to perform its obligations under this Agreement or consummate the transactions contemplated hereby on a
        timely basis.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
        delivery of this Agreement or for the purchase by the Investor of the Shares pursuant to this Agreement.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">20</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Purchase for Investment&#894; Accredited Investor Status; Pre-Existing Relationship</u></font>.&#160; The Investor acknowledges that the Shares to be
        purchased by the Investor pursuant to this Agreement have not been registered under the Securities Act or under any state securities laws and may not be resold or transferred by the Investor without such registration or appropriate reliance on any
        available exemption from such requirements.&#160; The Investor (i) is acquiring the Shares pursuant to an exemption from the registration requirements of the Securities Act and other applicable securities laws solely for investment with no present
        intention to distribute any of the Shares to any Person, (ii) will not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other applicable
        securities laws, (iii) has such knowledge and experience in financial and business matters and in investments of this type that it is capable of evaluating the merits and risks of its investment in the Shares and of making an informed investment
        decision and (iv) is an &#8220;accredited investor&#8221; (as that term is defined by Rule 501 under the Securities Act), (vi) is aware that the Company has entered into the Merger Agreement pursuant to which it is required to file with the SEC a Registration
        Statement on Form S-4 (the &#8220;<font style="font-weight: bold;"><u>Registration Statement</u></font>&#8221;), and (vi) began discussions regarding the potential for the Investment by this Agreement with representatives of the Company before the Registration
        Statement was filed with the SEC and Investor&#8217;s purchase of the Shares was not solicited by the Registration or any other filing made by the Company with the SEC.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Neither the Investor, nor its Affiliates nor any of their respective officers or directors, has employed any
        broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Investor in connection with this Agreement or the
        transactions contemplated hereby.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Access to Information</u></font>.&#160; The Investor acknowledges that it has been afforded (i) the opportunity to ask such questions as it has deemed
        necessary of, and to receive answers from, representatives of the Company concerning the terms and conditions of the offering of the Shares and the merits and risks of investing in the Shares; (ii) access to information about the Company and the
        Company Subsidiaries and their respective financial condition, results of operations, business, properties, management and prospects sufficient to enable it to evaluate its investment; (iii) the opportunity to obtain such additional information
        that the Company possesses or can acquire without unreasonable effort or expense that is necessary to make an informed investment decision with respect to the Investment; and (iv) the opportunity to ask questions of management of the Company.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Reliance</u></font>.&#160; The Investor has not relied on any representation or warranty made by any Person by or on behalf of the Company, including,
        without limitation, the Placement Agents, in connection with the Investment other than those contained in this Agreement.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Placement Agents</u></font>.&#160; The Investor acknowledges that the Placement Agents have not performed any due diligence review on behalf of the
        Investor.&#160; Furthermore, the Investor will purchase the Shares directly from the Company and not from the Placement Agents and understands that neither the Placement Agents nor any other broker or dealer has any obligation to make a market in the
        Common Stock.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">21</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Accuracy of Representations</u></font>.&#160; The Investor understands that each of the Placement Agents and the Company will rely upon the truth and
        accuracy of the foregoing representations, acknowledgements and agreements in connection with the transactions contemplated by this Agreement and agrees that if any of the representations or acknowledgements made by it are no longer accurate as of
        the Closing Date, or if any of the agreements made by it are breached on or prior to the Closing Date, it shall promptly notify the Placement Agents and the Company.</div>
      <div style="text-indent: 9pt;">&#160;</div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 3.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655910"></a><a name="z_Toc55380685"></a><a name="z_Toc56510581"></a><a name="z_Toc64554216"></a>COVENANTS</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655911"></a><a name="z_Toc55380686"></a><a name="z_Toc56510582"></a><a name="z_Toc64554217"></a><font style="font-weight: bold;">3.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Conduct






            of Business Prior to Closing</u></font>.&#160; Except as otherwise expressly required or contemplated by this Agreement or applicable Law, or with the prior written consent of the Trustee, between the date of this Agreement and the Closing, the
        Company shall, and the Company shall cause each Company Subsidiary to:</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; use commercially reasonable efforts to conduct its business only in the ordinary course of business consistent with past practice; and</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; use commercially reasonable efforts to (i) preserve the present business operations, organization (including officers and employees) and goodwill of the Company and any Company
        Subsidiary and (ii) preserve business relationships with customers, suppliers, consultants and others having business dealings with the Company; provided, however, that nothing in this clause (b) shall place any limit on the ability of the Board of
        Directors to act in accordance with, or require any actions that the Board of Directors may, in good faith, determine to be inconsistent with, its duties or the Company&#8217;s obligations under applicable Law or imposed by any Governmental Entity.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-indent: 72pt;"><a name="z_Toc55380687"></a><a name="z_Toc56510583"></a><a name="z_Toc64554218"></a><a name="z_Hlk54711438"></a><font style="font-weight: bold;">3.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: normal;"> </font><font style="font-weight: bold;"><u><font style="font-weight: bold;">Us</font><font style="font-weight: bold;">e</font> of Proceeds</u></font>.&#160; <a name="z_Hlk54713751"></a>The proceeds received by the Company from the sale of the Shares contemplated
        hereunder (net of any applicable costs and expenses) will be used for general corporate purposes and will not use such proceeds to repurchase, redeem or otherwise monetize any interests held by other existing shareholders of the Company or any
        Company Subsidiary.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-indent: 72pt;"><a name="z_Toc55380688"></a><a name="z_Toc56510584"></a><a name="z_Toc64554219"></a><font style="font-weight: bold;">3.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Regulatory Filings</u></font>.&#160; The Company
        shall make all filings pursuant to any applicable state securities laws and Regulation D of the Securities Act that are required to be made in connection with the Closing.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655912"></a><a name="z_Toc55380689"></a><a name="z_Toc56510585"></a><a name="z_Toc64554220"></a><font style="font-weight: bold;">3.4</font>&#160;&#160; &#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Confidentiality</u></font>.&#160;


        Each Investor acknowledges that the information being provided to it in connection with the transactions contemplated hereby includes confidential information that has not been publicly disclosed and agrees to maintain the confidentiality of the
        information with the same degree of care that it uses to protect its own confidential information.</div>
      <div>&#160;</div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">22</font></div>
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655913"></a><a name="z_Toc55380690"></a><a name="z_Toc56510586"></a><a name="z_Toc64554221"></a><font style="font-weight: bold;">3.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Publicity</u></font>.&#160;


        The Company shall not publicly disclose the financial or other terms of the transactions contemplated hereby or the name of any Investor or any Affiliate or investment adviser of any Investor, or include the name of any Investor or any Affiliate or
        investment adviser of any Investor in any press release or filing with the SEC or the Nasdaq Stock Market and shall not use any names, trademarks, service marks or trade names of the Investor or its Affiliates in any form of advertising and
        publicity or public statements, without the prior written consent of such Investor, except (i) as required by federal securities law in connection with the filing of final transaction documents with the SEC or (ii) to the extent such disclosure is
        required by applicable law, at the request of the staff of the SEC or at the request of the Nasdaq Stock Market regulations, in which case the Company shall provide each such Investor with prior written notice of such disclosure and the form of
        such disclosure shall be subject to the approval of such Investor, such approval not to be unreasonably withheld or delayed.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655914"></a><a name="z_Toc55380691"></a><a name="z_Toc56510587"></a><a name="z_Toc64554222"></a><font style="font-weight: bold;">3.6</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Commercially


            Reasonable Efforts</u></font>.&#160; Upon the terms and subject to the conditions herein provided, except as otherwise provided in this Agreement, each of the Parties hereto agrees to use its commercially reasonable efforts to take or cause to be
        taken all action, to do or cause to be done and to assist and cooperate with the other Party in doing all things necessary, proper or advisable under applicable Laws to consummate and make effective the transactions contemplated hereby, including
        but not limited to: (a) the satisfaction of the conditions precedent to the obligations of the Parties; (b) the obtaining of applicable Governmental Consents, and consents, waivers and approvals of any other third parties; (c) defending of any
        claim, action, suit, investigation or proceeding, whether judicial or administrative, challenging this Agreement or the performance of the obligations hereunder; and (d) the execution and delivery of such instruments, and the taking of such other
        actions as the other Party may reasonably request in order to carry out the intent of this Agreement.&#160; Notwithstanding the foregoing, under no circumstances will the Investor be required to disclose to the Company, the Company Subsidiaries or any
        third party any information the disclosure of which is prohibited by Law, nor shall it be required to agree to any restrictions, conditions or commitments imposed or otherwise required by any Government Entity that are determined by the Investor in
        its sole discretion to be unduly burdensome, other than customary passivity commitments, in order to consummate and make effective the transactions contemplated hereby.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655915"></a><a name="z_Toc55380692"></a><a name="z_Toc56510588"></a><a name="z_Toc64554223"></a><font style="font-weight: bold;">3.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Legend</u></font>.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160; Each Investor agrees that all certificates or other instruments representing the Shares subject to this Agreement shall bear legends substantially to the following effect, until such time
        as they are not required under Section 3.7(b)</div>
      <div>&#160;</div>
      <div style="text-align: justify; margin-right: 36pt; margin-left: 36pt;">&#8220;THE SHARES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR SECURITIES LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED,
        SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO IS IN EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR SUCH LAWS.&#8221;</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">23</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref54712182"></a>(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon request of an Investor, the Company shall promptly cause such legends to be removed from any certificate for any Shares held by such Investor to be so
        transferred if such Shares are being transferred pursuant to an exemption from the registration securities requirements of the Securities Act and applicable state Laws, subject to receipt by the Company of an opinion of counsel for the Investor
        reasonably satisfactory to the Company to the effect that such legend is no longer required under the Securities Act and applicable state Laws.&#160; Each Investor acknowledges that the sale of the Shares provided for herein has not been registered
        under the Securities Act or under any state securities Laws and agrees that it shall not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any
        other applicable securities Laws.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655916"></a><a name="z_Toc55380693"></a><a name="z_Toc56510589"></a><a name="z_Toc64554224"></a><font style="font-weight: bold;">3.8</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exchange






            Listing</u></font>.&#160; The Company shall use its reasonable best efforts to cause the Shares to be approved for listing on the Nasdaq Stock Market as promptly as possible.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655917"></a><a name="z_Toc55380694"></a><a name="z_Toc56510590"></a><a name="z_Toc64554225"></a><font style="font-weight: bold;">3.9</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorized






            Shares</u></font>.&#160; The Company will at all times reserve, free of any preemptive or similar rights of stockholders of the Company, a number of unissued shares of Class A Common Stock, sufficient to convert automatically, in accordance with the
        terms of the certificate of incorporation of the Company, all of the shares of Class C Common Stock then outstanding.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655918"></a><a name="z_Toc55380695"></a><a name="z_Toc56510591"></a><a name="z_Toc64554226"></a><font style="font-weight: bold;">3.10</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Rule






            144 Reporting</u></font>.&#160; With a view to making available to the Investor the benefits of certain rules and regulations of the SEC which may permit the sale of the Shares by the Investor without registration under the Securities Act upon
        compliance with the initial holding period and other applicable requirements of Rule 144 under the Securities Act, the Company agrees to use its reasonable best efforts to:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160; &#160;&#160; &#160;&#160; make and keep adequate current public information with respect to the Company available, as those terms are understood and defined in Rule 144(c)(1) or any similar or analogous rule
        promulgated under the Securities Act, at all times after the effective date of this Agreement;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii) &#160; &#160;&#160;&#160;&#160; so long as an Investor owns any of the Shares, furnish to such Investor forthwith upon request: (A) a written statement by the Company as to its compliance with the reporting
        requirements of Rule 144 under the Securities Act, and of the Exchange Act; (B) a copy of the most recent annual or quarterly report of the Company; and (C) such other reports and documents as the Investor may reasonably request in availing itself
        of any rule or regulation of the SEC allowing it to sell any of the Shares without registration; and</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; to take such further action as the Trustee may reasonably request, all to the extent required from time to time to enable any Investor to sell Shares without registration under the
        Securities Act.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 4.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655920"></a><a name="z_Toc55380697"></a><a name="z_Toc56510592"></a><a name="z_Toc64554227"></a>TERMINATION</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655921"></a><a name="z_Toc55380698"></a><a name="z_Toc56510593"></a><a name="z_Toc64554228"></a><font style="font-weight: bold;">4.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Termination</u></font>.&#160;






        This Agreement may be terminated prior to the Closing: </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by mutual written agreement of the Company and the Trustee;</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">24</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; by the Company or the Trustee, upon written notice to the other Party in the event that the Closing does not occur on or before September 1, 2021; <u>provided</u>, <u>however</u>, that
        the right to terminate this Agreement pursuant to this Section 4.1(b) shall not be available to any Party whose failure to fulfill any obligation under this Agreement shall have been the cause of, or shall have resulted in, the failure of the
        Closing to occur on or prior to such date;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160; by the Company or the Trustee, upon written notice to the other Party, in the event that (i) Stockholder Approval is required under applicable Law or the rules and regulations of the
        Nasdaq Stock Market, but has not been obtained on or prior to the closing date of the Merger or (ii) the Authorized Shares Increase Approval has not been obtained on or prior to the closing date of the Merger;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160; by the Trustee, upon written notice to the Company, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Company in this Agreement, or any
        such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(ii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date that
        would otherwise be the Closing Date in the absence of such breach or condition; provided that this Section 4.1(d) shall only apply if none of the Investors are in material breach of any of the terms of this Agreement;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160; &#160; by the Company, upon written notice to the Trustee, if (i) there has been a breach of any representation, warranty, covenant or agreement made by an Investor in this Agreement, or any
        such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(iii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date that
        would otherwise be the Closing Date in absence of such breach or condition; provided that this Section 4.1(e) shall only apply if the Company is not in material breach of any of the terms of this Agreement; or</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by any Party, upon written notice to the other Party, in the event that any Governmental Entity shall have issued any order, decree or injunction or taken any other action restraining,
        enjoining or prohibiting any of the transactions contemplated by this Agreement, and such order, decree, injunction or other action shall have become final and non-appealable.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655922"></a><a name="z_Toc55380699"></a><a name="z_Toc56510594"></a><a name="z_Toc64554229"></a><font style="font-weight: bold;">4.2</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Effects






            of Termination</u></font>.&#160; In the event of any termination of this Agreement as provided in Section 4.1, this Agreement (other than Section 3.4, this Article 4 and Article 6 of this Agreement, which shall remain in full force and effect) shall
        forthwith become wholly void and of no further force and effect; provided, that nothing herein shall relieve any Party from liability for fraud or willful breach of this Agreement. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">25</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 5.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655923"></a><a name="z_Toc55380700"></a><a name="z_Toc56510595"></a><a name="z_Toc64554230"></a>INDEMNITY</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655924"></a><a name="z_Toc55380701"></a><a name="z_Toc56510596"></a><a name="z_Toc64554231"></a><font style="font-weight: bold;">5.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification


            by the Company</u></font>. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; After the Closing, and subject to Sections 5.1(b), 5.3 and 5.4, the Company shall indemnify, defend and hold harmless to the fullest extent permitted by Law each Investor and its
        Affiliates, and their respective successors and assigns, officers, directors, partners, members and employees, as applicable, (the &#8220;<font style="font-weight: bold;"><u>Investor Indemnified Parties</u></font>&#8221;) against and from, and reimburse any of
        the Investor Indemnified Parties for, all Losses that any of the Investor Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach of any representation or warranty
        made by the Company in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by the Company to perform any of its covenants or agreements contained in this Agreement.&#160; Notwithstanding anything herein to the
        contrary, the obligations of the Company under this Section 5.1(a) shall not be applicable to or inure to the benefit of any transferee of the Common Stock sold pursuant to this Agreement who is not an Affiliate of an Investor.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless any of the Investor Indemnified Parties against, or
        reimburse any of the Investor Indemnified Parties for, any Losses pursuant to Section 5.1(a) (other than Losses arising out of the inaccuracy or breach of any Company Specified Representations) until the aggregate amount of the Investor Indemnified
        Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a) exceeds $100,000 (the &#8220;<font style="font-weight: bold;"><u>Threshold Amount</u></font>&#8221;), upon the
        occurrence of which the Company shall be obligated for all of the Investor Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a).&#160;
        Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless the Investor Indemnified Parties against, or reimburse the Investor Indemnified Parties for, any Losses pursuant to
        Section 5.1(a) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; For purposes of Section 5.1(a), in determining whether there has been a breach of a representation or warranty, the Parties hereto shall ignore any &#8220;materiality,&#8221; &#8220;Material Adverse
        Effect&#8221; or similar qualifications.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655925"></a><a name="z_Toc55380702"></a><a name="z_Toc56510597"></a><a name="z_Toc64554232"></a><font style="font-weight: bold;">5.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Indemnification


            by the Investor</u></font>. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; After the Closing, and subject to Sections 5.2(b), 5.3 and 5.4, each Investor shall severally, and not jointly, indemnify, defend and hold harmless to the fullest extent permitted by
        Law the Company and its respective Affiliates and their respective successors and assigns, officers, directors, partners, members, employees, representatives and agents (collectively, the &#8220;<font style="font-weight: bold;"><u>Company Indemnified
            Parties</u></font>&#8221;) against and from, and reimburse any of the Company Indemnified Parties for, all Losses that the Company Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the
        inaccuracy or breach of any representation or warranty made by such Investor in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by such Investor to perform any of its covenants or agreements contained in
        this Agreement.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">26</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Investors shall not be required to indemnify, defend or hold harmless any of the Company Indemnified Parties against, or
        reimburse any of the Company Indemnified Parties for any Losses pursuant to Section 5.2(a)(1) until the aggregate amount of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally determined to be otherwise
        entitled to indemnification under Section 5.2(a) exceeds the Threshold Amount, upon the occurrence of which the applicable Investors shall be obligated for all of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are
        finally determined to be otherwise entitled to indemnification under Section 5.2(a)(1).&#160; Notwithstanding anything to the contrary contained herein, the Investors shall not be required to indemnify, defend or hold harmless the Company Indemnified
        Parties against, or reimburse the Company Indemnified Parties for, any Losses pursuant to Section 5.2(a)(1) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investors to the Company pursuant to Section 1.1 hereof.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; For purposes of Section 5.2(a), in determining whether there has been a breach of a representation or warranty, the Parties shall ignore any &#8220;materiality&#8221; or similar qualifications.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655926"></a><a name="z_Toc55380703"></a><a name="z_Toc56510598"></a><a name="z_Toc64554233"></a><font style="font-weight: bold;">5.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Notification






            of Claims</u></font>. </div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Any Person that may be entitled to be indemnified under this Article 5 (the &#8220;<font style="font-weight: bold;"><u>Indemnified Party</u></font>&#8221;) shall promptly notify the party or
        parties liable for such indemnification (the &#8220;<font style="font-weight: bold;"><u>Indemnifying Party</u></font>&#8221;) in writing of any claim in respect of which indemnity may be sought hereunder, including any pending or threatened claim or demand by
        a third party that the Indemnified Party has determined has given or could reasonably give rise to a right of indemnification under this Agreement (including a pending or threatened claim or demand asserted by a third party against the Indemnified
        Party) (each, a &#8220;<font style="font-weight: bold;"><u>Third Party Claim</u></font>&#8221;), describing in reasonable detail the facts and circumstances with respect to the subject matter of such claim or demand; provided, however, that the failure to
        provide such notice shall not release the Indemnifying Party from any of its obligations under this Agreement except to the extent that the Indemnifying Party is materially prejudiced by such failure.&#160; The Parties agree that notices for claims in
        respect of a breach of a representation, warranty, covenant or agreement must be delivered prior to the expiration of any applicable survival period specified in Section 6.1 for such representation, warranty, covenant or agreement; provided, that
        if, prior to such applicable date, a Party hereto shall have notified the other Party hereto in accordance with the requirements of this Section 5.3(a) of a claim for indemnification under this Agreement (whether or not formal legal action shall
        have been commenced based upon such claim), such claim shall continue to be subject to indemnification in accordance with this Agreement notwithstanding the passing of such applicable date.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">27</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon receipt of a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) in respect of a Third Party Claim, the Indemnifying Party may, by notice to the
        Indemnified Party delivered within twenty (20) Business Days of the receipt of notice of such Third Party Claim, assume the defense and control of any Third Party Claim, with its own counsel reasonably acceptable to the Indemnified Party and at its
        own expense.&#160; The Indemnified Party shall have the right to employ counsel on its own behalf for, and otherwise participate in the defense of, any such Third Party Claim, but the fees and expenses of its counsel will be at its own expense unless
        (A) the employment of counsel by the Indemnified Party at the Indemnifying Party&#8217;s expense has been authorized in writing by the Indemnifying Party, (B) the Indemnified Party reasonably believes there may be a conflict of interest between the
        Indemnified Party and the Indemnifying Party in the conduct of the defense of such Third Party Claim, (C) the Indemnified Party reasonably believes there are legal defenses available to it that are different from, additional to or inconsistent with
        those available to the Indemnifying Party, or (D) the Indemnifying Party has not in fact employed counsel to assume the defense of such Third Party Claim within a reasonable time after receipt of notice of the commencement of such Third Party
        Claim, in each of which cases the fees and expenses of such Indemnified Party&#8217;s counsel shall be at the expense of the Indemnifying Party; provided, however, that in the event that the Company is required to assume the fees and expenses of such
        Investor Indemnified Party&#8217;s counsel in accordance with the foregoing and such Investor Indemnified Party is similarly situated with any other &#8220;Investor Indemnified Party&#8221; under any of the other stock purchase agreements with respect to any Third
        Party Claim, and does not have any conflict of interest with such Person in the conduct of the defense of such Third Party Claim or have legal defenses available to it that are different from, additional to or inconsistent with those available to
        such Person, such Investor Indemnified Party shall be required to employ the same counsel as such Person and the Company shall be responsible for the fees and expenses of only one such counsel for such Investor Indemnified Party and such other
        Person or Persons (assuming any of clauses (A) through (D) above is satisfied).&#160; The Indemnified Party may take any actions reasonably necessary to defend such Third Party Claim prior to the time that it receives a notice from the Indemnifying
        Party as contemplated by the immediately preceding sentence.&#160; The Indemnified Party shall, and shall cause each of its Affiliates and representatives to, use reasonable best efforts to cooperate with the Indemnifying Party in the defense of any
        Third Party Claim.&#160; The Indemnifying Party shall not, without the prior written consent of the Indemnified Party (which shall not be unreasonably withheld or delayed), consent to a settlement, compromise or discharge of, or the entry of any
        judgment arising from, any Third Party Claim, unless such settlement, compromise, discharge or entry of any judgment does not involve any statement, finding or admission of any fault, culpability, failure to act, violation of Law or admission of
        any wrongdoing by or on behalf of the Indemnified Party, and the Indemnifying Party shall (i) pay or cause to be paid all amounts arising out of such settlement or judgment concurrently with the effectiveness of such settlement or judgment (unless
        otherwise provided in such judgment), (ii) not encumber any of the assets of any Indemnified Party or agree to any restriction or condition that would apply to or materially adversely affect any Indemnified Party or the conduct of any Indemnified
        Party&#8217;s business and (iii) obtain, as a condition of any settlement, compromise, discharge, entry of judgment (if applicable), or other resolution, a complete and unconditional release of each Indemnified Party in form and substance reasonably
        satisfactory to such Indemnified Party from any and all liabilities in respect of such Third Party Claim.&#160; An Indemnified Party shall not settle, compromise or consent to the entry of any judgment with respect to any claim or demand for which it is
        seeking indemnification from the Indemnifying Party or admit to any liability with respect to such claim or demand without the prior written consent of the Indemnifying Party (which consent shall not be unreasonably withheld or delayed); provided,
        that such consent shall not be required if the Indemnifying Party has not fulfilled any material obligations under this Section 5.3(b).</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; In the event any Indemnifying Party receives a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) that does not involve a Third Party Claim, the
        Indemnifying Party shall notify the Indemnified Party within twenty (20) Business Days following its receipt of such notice whether the Indemnifying Party disputes its liability to the Indemnified Party under this Agreement.&#160; The Indemnified Party
        shall reasonably cooperate with and assist the Indemnifying Party in determining the validity of any such claim for indemnity by the Indemnified Party.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">28</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655927"></a><a name="z_Toc55380704"></a><a name="z_Toc56510599"></a><a name="z_Toc64554234"></a><font style="font-weight: bold;">5.4</font>&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Indemnification


            Payment</u></font>.&#160; In the event a claim or any Action for indemnification hereunder has been finally determined, the amount of such final determination shall be paid by the Indemnifying Party to the Indemnified Party on demand in immediately
        available funds.&#160; A claim or an Action, and the liability for and amount of damages therefor, shall be deemed to be &#8220;<u>finally determined</u>&#8221; for purposes of this Agreement when the Parties have so determined by mutual agreement or, if disputed,
        when a final non-appealable judicial order has been entered into with respect to such claim or Action. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655928"></a><a name="z_Toc55380705"></a><a name="z_Toc56510600"></a><a name="z_Toc64554235"></a><font style="font-weight: bold;">5.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exclusive


            Remedies</u></font>.&#160; Each Party acknowledges and agrees that following the Closing, the indemnification provisions hereunder shall be the sole and exclusive remedies of the Parties for any breach of the representations, warranties or covenants
        contained in this Agreement.&#160; No investigation of the Company by the Investor, or of the Investor by the Company, whether prior to or after the date of this Agreement, shall limit any Indemnified Party&#8217;s exercise of any right hereunder or be deemed
        to be a waiver of any such right.&#160; The Parties agree that any indemnification payment made pursuant to this Agreement shall be treated as an adjustment to the Purchase Price for Tax purposes, unless otherwise required by Law. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 6.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655929"></a><a name="z_Toc55380706"></a><a name="z_Toc56510601"></a><a name="z_Toc64554236"></a>MISCELLANEOUS</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655930"></a><a name="z_Toc55380707"></a><a name="z_Toc56510602"></a><a name="z_Toc64554237"></a><font style="font-weight: bold;">6.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Survival</u></font>.&#160;






        The representations and warranties of the Parties contained in this Agreement shall survive in full force and effect until the date that is fifteen (15) months after the Closing Date (or until final resolution of any claim or action arising from
        the breach of any such representation and warranty, if notice of such breach was provided prior to the end of such period), at which time they shall terminate and no claims shall be made for indemnification under Section 5.1 or Section 5.2, as
        applicable, for breaches of representations or warranties thereafter, except the Company Specified Representations (other than the representations and warranties made in Section 2.2(v), which shall survive until the expiration of the applicable
        statute of limitations) and the Investor Specified Representations shall survive the Closing indefinitely.&#160; The covenants and agreements set forth in this Agreement shall survive until the expiration of any applicable statute of limitations or
        until performed or no longer operative in accordance with their respective terms.&#160; Notwithstanding the foregoing, the Company Specified Representations shall survive for the period of the applicable statute of limitations. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655931"></a><a name="z_Toc55380708"></a><a name="z_Toc56510603"></a><a name="z_Toc64554238"></a><font style="font-weight: bold;">6.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Other






            Definitions</u></font>.&#160; Wherever required by the context of this Agreement, the singular shall include the plural and vice versa, and the masculine gender shall include the feminine and neuter genders and vice versa, and references to any
        agreement, document or instrument shall be deemed to refer to such agreement, document or instrument as amended, supplemented or modified from time to time.&#160; In addition, the following terms shall have the meanings assigned to them below: </div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">29</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Affiliate</u></font>&#8221; means, with respect to any Person, any Person directly or indirectly controlling, controlled by or under common
        control with, such other Person provided that no security holder of the Company shall be deemed to be an Affiliate of any other security holder or of the Company or any of the Company Subsidiaries solely by reason of any investment in the Company
        and, for purposes of this definition, &#8220;<font style="font-weight: bold;"><u>control</u></font>&#8221; (including, with correlative meanings, the terms &#8220;<font style="font-weight: bold;"><u>controlling</u></font>&#8221;, &#8220;<font style="font-weight: bold;"><u>controlled
            by</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>under common control with</u></font>&#8221;) when used with respect to any Person, means the possession, directly or indirectly, of the power to cause the direction of management or policies of
        such Person, whether through the ownership of voting securities, by contract or otherwise;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Agency</u></font>&#8221; means the Federal Housing Administration, the Federal Home Loan Mortgage Corporation, the Farmers Home Administration (now
        known as Rural Housing and Community Development Services), the Federal National Mortgage Association, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of Agriculture or any other federal or state
        agency with authority to (i) determine any investment, origination, lending or servicing requirements with regard to mortgage loans originated, purchased or serviced by the Company or (ii) originate, purchase, or service mortgage loans, or
        otherwise promote mortgage lending, including state and local housing finance authorities;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Board of Directors</u></font>&#8221; means the Board of Directors of the Company;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Business Day</u></font>&#8221; means any day except Saturday, Sunday and any day which shall be a legal holiday or a day on which banking
        institutions in the State of New York or in the State of California generally are authorized or required by Law or other governmental actions to close;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Capital Stock</u></font>&#8221; means the capital stock or other applicable type of equity interest in a Person;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Code</u></font>&#8221; means the Internal Revenue Code of 1986, as amended;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Company Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.2(a), <u>Section 2.2(b)</u>,
        Section 2.2(c), Section 2.2(d), Section 2.2(x), Section 2.2(z) and Section 2.2(hh);</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Disclosure Schedule</u></font>&#8221; shall mean a schedule delivered, on or prior to the date of this Agreement, by (i) the Investor to the
        Company and (ii) the Company to the Investor setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express disclosure requirement contained in a provision hereof or as an exception to
        one or more representations or warranties contained in Section 2.2 with respect to the Company, or in Section 2.3 with respect to the Investor, or to one or more covenants contained in Article 3;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>GAAP</u></font>&#8221; means United States generally accepted accounting principles and practices as in effect from time to time;</div>
      <div style="text-indent: 9pt;">&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">30</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(j)&#160;&#160; &#160; &#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Consent</u></font>&#8221; means any notice to, registration, qualification, designation, declaration or filing with, exemption or
        review by, or authorization, order, consent or approval of, any Governmental Entity, or the expiration or termination of any statutory waiting periods;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Entity</u></font>&#8221; means any court, administrative agency or commission or other governmental authority or instrumentality,
        whether federal, state, local or foreign, and any applicable industry self-regulatory organization or securities exchange;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Insurer</u></font>&#8221; means a Person who insures or guarantees for the benefit of the mortgagee all or any portion of the risk of loss upon
        borrower default on any of the mortgage loans originated, purchased or serviced by the Bank, including the Federal Housing Administration, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of
        Agriculture and any private mortgage insurer, and providers of hazard, title or other insurance with respect to such mortgage loans or the related collateral;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Investor Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.3(b)(i), Section 2.3(d) and
        Section 2.3(f);</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Knowledge</u></font>&#8221; of the Company and words of similar import mean the knowledge of any directors or executive officers of the Company
        listed on the Disclosure Schedule hereto;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Loan Investor</u></font>&#8221; means any Person (including an Agency) having a beneficial interest in any mortgage loan originated, purchased or
        serviced by the Bank or a security backed by or representing an interest in any such mortgage loan;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Losses</u></font>&#8221; means any and all losses, damages, reasonable costs, reasonable expenses (including reasonable attorneys&#8217; fees and
        disbursements), liabilities, settlement payments, awards, judgments, fines, obligations, claims, and deficiencies of any kind, excluding special, consequential, exemplary and punitive damages;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160; &#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Person</u></font>&#8221; means any individual, firm, corporation, partnership, trust, incorporated or unincorporated association, joint venture,
        joint stock company, limited liability company, Governmental Entity or other entity of any kind, and shall include any successor (by merger or otherwise) of such entity;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Subsidiary</u></font>&#8221; means, with respect to any Person, any corporation, partnership, joint venture, limited liability company or other
        entity (x) of which such Person or a Subsidiary of such Person is a general partner or (y) of which a majority of the voting securities or other voting interests, or a majority of the securities or other interests of which having by their terms
        ordinary voting power to elect a majority of the board of directors or persons performing similar functions with respect to such entity, is directly or indirectly owned by such Person and/or one or more Subsidiaries thereof;</div>
      <div style="text-indent: 9pt;">&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">31</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Tax</u></font>&#8221; or &#8220;<font style="font-weight: bold;"><u>Taxes</u></font>&#8221; means all United States federal, state, local or foreign income,
        profits, estimated, gross receipts, windfall profits, severance, property, intangible property, occupation, production, sales, use, license, excise, emergency excise, franchise, capital gains, capital stock, employment, withholding, transfer,
        stamp, payroll, goods and services, value added, alternative or add-on minimum tax, or any other tax, custom, duty or governmental fee, or other like assessment or charge of any kind whatsoever, together with any interest, penalties, fines, related
        liabilities or additions to tax that may become payable in respect thereof imposed by any Governmental Entity, whether or not disputed;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Tax Return</u></font>&#8221; means any return, declaration, report or similar statement required to be filed with respect to any Taxes (including
        any attached schedules), including, without limitation, any information return, claim or refund, amended return and declaration of estimated Tax;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(u)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Voting Securities</u></font>&#8221; means at any time shares of any class of Capital Stock of the Company, including but not limited to Voting
        Common Stock (or, after giving effect to the Merger Transactions, Class A Common Stock), and Voting Debt that are then entitled to vote generally in the election of directors;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the word &#8220;<font style="font-weight: bold;"><u>or</u></font>&#8221; is not exclusive;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the words &#8220;<font style="font-weight: bold;"><u>including</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>includes</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>included</u></font>&#8221;
        and &#8220;<font style="font-weight: bold;"><u>include</u></font>&#8221; are deemed to be followed by the words &#8220;without limitation&#8221;;</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the terms &#8220;<font style="font-weight: bold;"><u>herein</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>hereof</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>hereunder</u></font>&#8221;
        and other words of similar import refer to this Agreement as a whole and not to any particular section, paragraph or subdivision; and</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160; all article, section, paragraph or clause references not attributed to a particular document shall be references to such parts of this Agreement, and all exhibit and schedule references
        not attributed to a particular document shall be references to such exhibits and schedules to this Agreement.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655932"></a><a name="z_Toc55380709"></a><a name="z_Toc56510604"></a><a name="z_Toc64554239"></a><font style="font-weight: bold;">6.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Amendment


            and Waivers</u></font>.&#160; The conditions to each Party&#8217;s obligation to consummate the Closing are for the sole benefit of such Party and may be waived by such Party in whole or in part to the extent permitted by Law.&#160; No amendment or waiver of
        any provision of this Agreement will be effective against any Party unless it is in a writing signed by a duly authorized officer of such Party. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655933"></a><a name="z_Toc55380710"></a><a name="z_Toc56510605"></a><a name="z_Toc64554240"></a><font style="font-weight: bold;">6.4</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Counterparts


            and Facsimile</u></font>.&#160; For the convenience of the Parties, this Agreement may be executed in any number of separate counterparts, each such counterpart being deemed to be an original instrument, and all such counterparts will together
        constitute the same agreement.&#160; Executed signature pages to this Agreement may be delivered by facsimile and such facsimiles shall be deemed as sufficient as if manually signed signature pages had been delivered. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655934"></a><a name="z_Toc55380711"></a><a name="z_Toc56510606"></a><a name="z_Toc64554241"></a><font style="font-weight: bold;">6.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governing


            Law</u></font>.&#160; This Agreement will be governed by and construed in accordance with the Laws of the State of California applicable to contracts made and to be performed entirely within such State. </div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">32</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655935"></a><a name="z_Toc55380712"></a><a name="z_Toc56510607"></a><a name="z_Toc64554242"></a><font style="font-weight: bold;">6.6</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>WAIVER



            OF JURY TRIAL</u></font>.&#160; TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVESTOR HEREBY IRREVOCABLY WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY RELATING TO THIS AGREEMENT, THE
        TRANSACTIONS CONTEMPLATED HEREBY WHETHER BASED ON CONTRACT, EQUITY, TORT OR ANY OTHER THEORY.&#160; THIS WAIVER OF RIGHT TO TRIAL BY JURY IS GIVEN BY INVESTOR, KNOWINGLY AND VOLUNTARILY WITH THE BENEFIT OF COMPETENT LEGAL COUNSEL. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655936"></a><a name="z_Toc55380713"></a><a name="z_Toc56510608"></a><a name="z_Toc64554243"></a><font style="font-weight: bold;">6.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Notices</u></font>.&#160;






        Any notice, request, instruction or other document to be given hereunder by any Party to the other will be in writing and will be deemed to have been duly given (a) on the date of delivery if delivered personally or by telecopy or facsimile, upon
        confirmation of receipt, (b) on the first Business Day following the date of dispatch if delivered by a recognized next-day courier service, or (c) on the third Business Day following the date of mailing if delivered by registered or certified
        mail, return receipt requested, postage prepaid, provided that any such notice, request, instruction or other document to be given hereunder shall not be deemed to have been duly given unless and until it is sent via electronic mail to the
        recipient thereof.&#160; All notices hereunder shall be delivered as set forth below, or pursuant to such other instructions as may be designated in writing by the Party to receive such notice. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If to the Investors, to the address set forth on the Trustee&#8217;s signature page to this Agreement.</div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If to the Company:</div>
      <div>&#160;</div>
      <div style="margin-right: 72pt; margin-left: 108pt;"><a name="z_Hlk56512958"></a>Broadway Financial Corporation</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">5055 Wilshire Boulevard, Suite 500</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Los Angeles, California 90036</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Attn: Brenda Battey,</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Chief Financial Officer</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Email: bbattey@broadwayfederalbank.com</div>
      <div>&#160;</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">with a copy (which copy shall not constitute notice) to:</div>
      <div>&#160;</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Arnold &amp; Porter LLP</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">777 South Figueroa Street,</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">44th Floor</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Los Angeles, California 90017</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Attn: James R. Walther, Esq.</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Fax: (213) 243-4199</div>
      <div style="margin-right: 72pt; margin-left: 108pt;">Email: James.Walther@arnoldporter.com</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655937"></a><a name="z_Toc55380714"></a><a name="z_Toc56510609"></a><a name="z_Toc64554244"></a><font style="font-weight: bold;">6.8</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Entire






            Agreement</u></font>.&#160; This Agreement constitutes the entire agreement, and supersede all other prior agreements, understandings, representations and warranties, inducements or conditions, both written and oral, among the Parties, with respect
        to the subject matter hereof and thereof. </div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">33</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655938"></a><a name="z_Toc55380715"></a><a name="z_Toc56510610"></a><a name="z_Toc64554245"></a><font style="font-weight: bold;">6.9</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Successors






            and Assigns</u></font>.&#160; This Agreement shall be binding upon and inure to the benefit of the Parties and their respective successors and assigns, including any purchasers of the Common Stock to be issued pursuant to this Agreement.&#160; The
        Company shall not assign this Agreement or any rights or obligations hereunder without the prior written consent of the Trustee.&#160; Each Investor may assign some or all of its rights hereunder or thereunder without the consent of the Company to any
        Affiliate of such Investor, and such assignee shall be deemed to be an Investor hereunder with respect to such assigned rights and shall be bound by the terms and conditions of this Agreement that apply to such Investor. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655939"></a><a name="z_Toc55380716"></a><a name="z_Toc56510611"></a><a name="z_Toc64554246"></a><font style="font-weight: bold;">6.10</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Captions</u></font>.&#160;






        The article, section, paragraph and clause captions herein are for convenience of reference only, do not constitute part of this Agreement and will not be deemed to limit or otherwise affect any of the provisions hereof. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655940"></a><a name="z_Toc55380717"></a><a name="z_Toc56510612"></a><a name="z_Toc64554247"></a><font style="font-weight: bold;">6.11</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Severability</u></font>.&#160;






        If any provision of this Agreement or the application thereof to any Person or circumstance is determined by a court of competent jurisdiction to be invalid, void or unenforceable, the remaining provisions hereof, or the application of such
        provision to Persons or circumstances other than those as to which it has been held invalid or unenforceable, will remain in full force and effect and shall in no way be affected, impaired or invalidated thereby, so long as the economic or legal
        substance of the transactions contemplated hereby is not affected in any manner materially adverse to any party.&#160; Upon such determination, the Parties shall negotiate in good faith in an effort to agree upon a suitable and equitable substitute
        provision to effect the original intent of the Parties. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655941"></a><a name="z_Toc55380718"></a><a name="z_Toc56510613"></a><a name="z_Toc64554248"></a><font style="font-weight: bold;">6.12</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Third






            Party Beneficiaries</u></font>.&#160; Nothing contained in this Agreement, expressed or implied, is intended to confer upon any Person other than the Parties, any benefit right or remedies, except that the Placement Agents may rely on the
        representations and warranties contained herein to the same extent as if they were party to this Agreement and the provisions of Sections 5.1 and 5.2 shall inure to the benefit of the Persons referred to in such Sections. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655942"></a><a name="z_Toc55380719"></a><a name="z_Toc56510614"></a><a name="z_Toc64554249"></a><font style="font-weight: bold;">6.13</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Public






            Announcements</u></font>.&#160; The Investor will not make (and will use its reasonable best efforts to ensure that its Affiliates and representatives do not make) any news release or public disclosure with respect to this Agreement and any of the
        transactions contemplated hereby, without first consulting with the Company and, in each case, also receiving the Company&#8217;s consent (which shall not be unreasonably withheld, conditioned or delayed). </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655943"></a><a name="z_Toc55380720"></a><a name="z_Toc56510615"></a><a name="z_Toc64554250"></a><font style="font-weight: bold;">6.14</font>&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Specific






            Performance</u></font>.&#160; The Parties agree that irreparable damage would occur in the event that any of the provisions of this Agreement were not performed in accordance with their specific terms.&#160; It is accordingly agreed that the Parties
        shall be entitled to seek specific performance of the terms hereof, this being in addition to any other remedies to which they are entitled at law or equity. </div>
      <div style="text-indent: 72pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655944"></a><a name="z_Toc55380721"></a><a name="z_Toc56510616"></a><a name="z_Toc64554251"></a><font style="font-weight: bold;">6.15</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No






            Recourse to Other Persons</u></font>.&#160; This Agreement may only be enforced against the named Parties.&#160; All claims or causes of action that may be based upon, arise out of or relate to this Agreement, or the negotiation, execution or performance
        of this Agreement may be made only against the entities that are expressly identified as Parties or that are subject to the terms hereof, and no past, present or future director, officer, employee, incorporator, member, manager, partner,
        stockholder, Affiliate, agent, attorney or representative of any Party (including any person negotiating or executing this Agreement on behalf of a Party) shall have any liability or obligation with respect to this Agreement or with respect to any
        claim or cause of action, whether in tort, contract or otherwise, that may arise out of or relate to this Agreement, or the negotiation, execution or performance of this Agreement and the transactions contemplated hereby. </div>
      <div>&#160;</div>
      <div style="text-align: center; font-style: italic;">[<font style="font-weight: bold;">signature page follows</font>]</div>
      <div style="text-align: center; font-style: italic;"> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">34</font></div>
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      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">IN WITNESS WHEREOF</font><font style="font-size: 10pt;">, the Parties have caused this Agreement to be duly executed by their
          respective authorized officers as of the day and year first above written.</font></div>
      <div>&#160;</div>
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          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">
              <div style="font-weight: bold;">BROADWAY FINANCIAL CORPORATION</div>
            </td>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 47%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
              <div>By:</div>
            </td>
            <td style="width: 47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>

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          <tr>
            <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div>Name:</div>
            </td>
            <td style="width: 92%; vertical-align: top;">
              <div>Wayne-Kent A. Bradshaw</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div>Title:</div>
            </td>
            <td style="width: 92%; vertical-align: top;">
              <div>President and Chief Executive Officer</div>
            </td>
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      <br>
      <div style="text-align: center;">[Stock Purchase Agreement]</div>
      <div style="text-align: center;"> <br>
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            <tr>
              <td style="width: 45%; vertical-align: top; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;" rowspan="1" colspan="2">For and on behalf of</td>
              <td style="width: 17%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="width: 45%; vertical-align: top; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;" rowspan="1" colspan="2">&#160;</td>
              <td style="width: 17%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
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            <tr>
              <td style="width: 45%; vertical-align: top; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
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                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">BUTTERFIELD TRUST (BERMUDA) LIMITED</font><font style="font-size: 10pt;">, as Trustee for each of the following:</font></div>
              </td>
            </tr>
            <tr>
              <td style="width: 45%; vertical-align: top; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
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            <tr>
              <td style="width: 45%; vertical-align: top; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
              <td colspan="2" style="width: 35%; vertical-align: top;" rowspan="1">THE LORRAINE GRACE WILL TRUST&#160;</td>
            </tr>
            <tr>
              <td style="width: 45%; vertical-align: top; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
              <td colspan="2" style="width: 35%; vertical-align: top;" rowspan="1">THE ANNE GRACE KELLY TRUST 99&#160;</td>
            </tr>
            <tr>
              <td style="width: 45%; vertical-align: top; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
              <td colspan="2" style="width: 35%; vertical-align: top;" rowspan="1">THE GWENDOLYN GRACE TRUST 99&#160;</td>
            </tr>
            <tr>
              <td style="width: 45%; vertical-align: top; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
              <td colspan="2" style="width: 35%; vertical-align: top;" rowspan="1">THE LORRAINE L. GRACE TRUST 99&#160;</td>
            </tr>
            <tr>
              <td style="width: 45%; vertical-align: top; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
              <td colspan="2" style="width: 35%; vertical-align: top;" rowspan="1">THE RUTH GRACE JERVIS MILLENNIUM TRUST&#160;</td>
            </tr>
            <tr>
              <td style="width: 45%; vertical-align: top; padding-bottom: 2px;" colspan="1" rowspan="1">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
              <td colspan="2" style="width: 35%; vertical-align: top;" rowspan="1">&#160;&#160;</td>
            </tr>
            <tr>
              <td style="width: 45%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                <div>By:</div>
              </td>
              <td style="width: 35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
              </td>
              <td style="width: 17%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            </tr>

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            <tr>
              <td style="width: 47.98%; vertical-align: top;" colspan="1">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div>Name:<br>
                </div>
              </td>
              <td style="width: 47%; vertical-align: top;">Denice Dane</td>
            </tr>

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            <tr>
              <td style="width: 47.98%; vertical-align: top;" colspan="1">&#160;</td>
              <td style="width: 4%; vertical-align: top;">
                <div>Title:<br>
                </div>
              </td>
              <td style="width: 48%; vertical-align: top;">Authorized Signatory</td>
            </tr>

        </table>
        <div><br>
        </div>
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            <tr>
              <td style="width: 45%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                <div>By:</div>
              </td>
              <td style="width: 35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
              </td>
              <td style="width: 17%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            </tr>

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            <tr>
              <td style="width: 47.98%; vertical-align: top;" colspan="1">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div>Name:<br>
                </div>
              </td>
              <td style="width: 47%; vertical-align: top;">Kristie-Ann Rayner</td>
            </tr>

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            <tr>
              <td style="width: 47.98%; vertical-align: top;" colspan="1">&#160;</td>
              <td style="width: 4%; vertical-align: top;">
                <div>Title:<br>
                </div>
              </td>
              <td style="width: 48%; vertical-align: top;">Authorized Signatory</td>
            </tr>

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            <tr>
              <td style="width: 45%;">
                <div>&#160;</div>
              </td>
              <td style="width: 55%;">
                <div>&#160;</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 45%;">&#160;</td>
              <td rowspan="1" style="width: 55%;">Address for notices:</td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 45%;">&#160;</td>
              <td rowspan="1" style="width: 55%;">Butterfield Trust (Bermuda) Limited</td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 45%;">&#160;</td>
              <td rowspan="1" style="width: 55%;">Rosebank Centre, 11 Bermudiana Road</td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 45%;">&#160;</td>
              <td rowspan="1" style="width: 55%;">PE broke HM 08, Bermuda</td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 45%;">&#160;</td>
              <td rowspan="1" style="width: 55%;">Attn: Mrs. Catherine Smith</td>
            </tr>

        </table>
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      <div style="margin-left: 333pt;"><br>
      </div>
      <div style="text-align: center;">[Stock Purchase Agreement]</div>
      <div> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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      </div>
      <div style="text-align: center; font-weight: bold;"><u>ANNEX A</u></div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">Investor Shares</div>
      <div>&#160;</div>
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          <tr>
            <td style="width: 50.04%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">Trust Name</div>
            </td>
            <td style="width: 49.96%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">Number of Shares</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.04%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">The Lorraine Grace Will Trust</div>
            </td>
            <td style="width: 49.96%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">225,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.04%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">The Anne Grace Kelly Trust 99</div>
            </td>
            <td style="width: 49.96%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">140,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.04%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">The Gwendolyn Grace Trust 99</div>
            </td>
            <td style="width: 49.96%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">115,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.04%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">The Lorraine L. Grace Trust 99</div>
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            <td style="width: 49.96%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">85,000</div>
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          <tr>
            <td style="width: 50.04%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">The Ruth Grace Jervis Millennium Trust</div>
            </td>
            <td style="width: 49.96%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center;">70,000</div>
            </td>
          </tr>

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      <div><br>
      </div>
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        <div style="text-align: center;">[Annex A to the Stock Purchase Agreement]</div>
        <div style="text-align: center;"> <br>
        </div>
        <div style="text-align: center;"> <br>
        </div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.31
<SEQUENCE>11
<FILENAME>brhc10022486_ex10-31.htm
<DESCRIPTION>EXHIBIT 10.31
<TEXT>
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  <div>
    <div>
      <div style="text-align: right;">
        <div style="font-weight: bold;">EXECUTION VERSION</div>
        <div style="font-weight: bold;">
          <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"> </div>
      </div>
      <div style="text-align: right;"> <font style="font-weight: bold;">Exhibit 10.31</font><br>
      </div>
      <div style="text-align: right;"> <br>
      </div>
      <div style="text-align: center;">BROADWAY FINANCIAL CORPORATION</div>
      <div><br>
      </div>
      <div style="text-align: center;">STOCK PURCHASE AGREEMENT</div>
      <div><br>
      </div>
      <div style="text-align: center;">February 19, 2021</div>
      <div style="text-align: center;"> <br>
      </div>
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      <div style="text-align: center; font-weight: bold;"><u>TABLE OF CONTENTS</u></div>
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          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">&#160;</td>
            <td style="width: 82%; vertical-align: top;">&#160;</td>
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              <div style="text-align: right;"><u>Page</u></div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 82%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 10%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
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              <div style="font-size: 12pt;"><font style="font-size: 10pt;"><font style="font-weight: bold;">ARTICLE 1</font>.</font><font style="font-size: 10pt;"> PURCHASE&#894; CLOSING</font></div>
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            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">1.1</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Issuance, Sale and Purchase</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">1.2</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Closing; Deliverables for the Closing; Conditions to the Closing</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
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              <div style="font-size: 12pt;"><font style="font-size: 10pt;"><font style="font-weight: bold;">ARTICLE 2</font>.</font><font style="font-size: 10pt;"> REPRESENTATIONS AND WARRANTIES</font></div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">2.1</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Certain Terms</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">2.2</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Representations and Warranties of the Company</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">2.3</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Representations and Warranties of the Investor</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">20</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="vertical-align: top;">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 3.</font><font style="font-size: 10pt;"> COVENANTS</font></div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">22</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.1</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Conduct of Business Prior to Closing</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">3.2</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Use of Proceeds</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">22</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.3</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Regulatory Filings</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">3.4</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Confidentiality</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">22</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.5</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Publicity</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">3.6</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Commercially Reasonable Efforts</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">23</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.7</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">Legend</font><font style="font-size: 10pt;">.</font></div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">23</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">3.8</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Exchange Listing</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">24</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.9</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Authorized Shares</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">24</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">3.10</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Rule 144 Reporting</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">24</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">3.11</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Exchange Rights</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">24</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="vertical-align: top;">
              <div style="font-size: 12pt;"><font style="font-size: 10pt;"><font style="font-weight: bold;">ARTICLE 4</font>.</font><font style="font-size: 10pt;"> TERMINATION</font></div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">25</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">4.1</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Termination</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">25</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">4.2</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Effects of Termination</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">25</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-size: 12pt;"><font style="font-size: 10pt;"><font style="font-weight: bold;">ARTICLE 5</font>.</font><font style="font-size: 10pt;"> INDEMNITY</font></div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">5.1</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Indemnification by the Company</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">5.2</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Indemnification by the Investor</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">5.3</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Notification of Claims</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">5.4</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Indemnification Payment</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">5.5</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Exclusive Remedies</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-size: 12pt;"><font style="font-size: 10pt;"><font style="font-weight: bold;">ARTICLE 6</font>.</font><font style="font-size: 10pt;"> MISCELLANEOUS</font></div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.1</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Survival</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">29<br>
              </div>
            </td>
          </tr>

      </table>
      <div> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">i</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z1dc14dc3e3564900bb5cc330a04828da">

          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.2</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Other Definitions</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.3</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Amendment and Waivers</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.4</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Counterparts and Facsimile</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.5</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Governing Law</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.6</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">WAIVER OF JURY TRIAL</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.7</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Notices</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.8</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Entire Agreement</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.9</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Successors and Assigns</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.10</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Captions</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.11</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Severability</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.12</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Third Party Beneficiaries</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.13</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">Public Announcements</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">6.14</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">Specific Performance</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">35</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="font-weight: bold;">6.15</div>
            </td>
            <td style="width: 82%; vertical-align: top;">
              <div style="font-weight: bold;">No Recourse to Other Persons</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">35</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;"><u>INDEX OF DEFINED TERMS</u></div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z3ffa729fc26a4876ab7df401c9f0f387">

          <tr>
            <td style="width: 90%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;"><u>Page</u></div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Action</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">8<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Affiliate</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Agency</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Agreement</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Authorized Shares Increase Approval</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Bank</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Bank Merger</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Benefit Plans</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Board of Directors</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Business Day</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Capital Stock</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>CDFI</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>CFB</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>CFB Sub</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Class A Common Stock</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Class B Common Stock</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Class C Common Stock</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Closing</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Closing Date</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Code</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>

      </table>
      <div> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">ii</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="ze001ccc5e1e940abb3e5f83599268a2a">

          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Common Stock</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Company</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Employees</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Company Financial Statements</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">9</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Indemnified Parties</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Company Insurance Policies</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company IT Assets</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">10</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Company Reports</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">9</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Specified Representations</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Company Stock Plan</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">7</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Company Subsidiaries</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Company Subsidiary</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Concurrent Other Transactions</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>control</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>controlled by</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>controlling</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Disclosure Schedule</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Disqualification Event</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">18</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>EESA</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>ERISA</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>ERISA Affiliate</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Exchange Act</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">9<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>FDIC</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">6<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Federal Reserve</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>GAAP</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Governmental Authorizations</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Governmental Consent</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Governmental Entity</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Indemnified Party</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Indemnifying Party</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Insider</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">18</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Insurer</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Intellectual Property Rights</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Investment</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Investor</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Investor Indemnified Parties</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Investor Specified Representations</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Knowledge</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Law</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Liens</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">8</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Loan Investor</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Losses</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Material Adverse Effect</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Merger</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Merger Agreement</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">iii</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z89ad22b13dfc45588f9198f6f822d147">

          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Merger Transactions</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Multiemployer Plan</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Non-Voting Common Stock</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">7</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>OFAC</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">12</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Parties</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Per Share Purchase Price</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Person</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Personal Information</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">11</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Placement Agents</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Preferred Stock</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">7</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Previously Disclosed</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Privacy Laws</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">11</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Purchase Price</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Registration Statement</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">21</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Rule 506</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">18</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>SEC</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Securities Act</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">7<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Shares</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>SLHCA Act</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Stockholder Approval</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Subsidiary</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Surviving Bank</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Tax</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Tax Return</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Taxes</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Third Party Claim</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Threshold Amount</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>under common control with</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Voting Common Stock</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">7</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Voting Debt</div>
            </td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: right;">7<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Voting Securities</div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">iv</font></div>
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      </div>
      <div style="text-align: center; font-weight: bold;"><u>STOCK PURCHASE AGREEMENT</u></div>
      <div>&#160;</div>
      <div style="text-align: justify; font-size: 12pt; text-indent: 36pt;"><font style="font-size: 10pt; font-weight: bold;">THIS STOCK PURCHASE AGREEMENT </font><font style="font-size: 10pt;">(as amended, supplemented or otherwise modified from time to
          time, this &#8220;<font style="font-weight: bold;"><u>Agreement</u></font>&#8221;) is dated as of February 19, 2021, and is entered into by and among Broadway Financial Corporation, a Delaware corporation (the &#8220;<font style="font-weight: bold;"><u>Company</u></font>&#8221;),





          and Texas Capital Community Development Corporation, a national banking association (the &#8220;<font style="font-weight: bold;"><u>Investor</u></font>&#8221;, and together with the Company, the &#8220;<font style="font-weight: bold;"><u>Parties</u></font>&#8221;)</font></div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><u>RECITALS</u></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt;"><a name="z_Hlk53516059"></a><font style="font-weight: bold;">WHEREAS</font>, the Company is a party to that certain Agreement and Plan of Merger (the &#8220;<font style="font-weight: bold;"><u>Merger
            Agreement</u></font>&#8221;) with CFBanc Corporation, a District of Columbia benefit corporation (&#8220;<font style="font-weight: bold;"><u>CFB</u></font>&#8221;) which provides, among other things and subject to the terms and conditions of the Merger
        Agreement, for (i) the merger of CFB with and into the Company, with the Company continuing as the surviving entity in the Merger (the &#8220;<font style="font-weight: bold;"><u>Merger</u></font>&#8221;), (ii) <font style="color: rgb(38, 38, 38);">immediately
          following the Merger, Broadway Federal Bank, f.s.b., a wholly owned subsidiary of the Company, will merge with and into City First Bank of D.C., National Association (&#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>CFB Sub</u></font><font style="color: rgb(38, 38, 38);">&#8221;), a wholly owned subsidiary of CFB (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Bank Merger</u></font><font style="color: rgb(38, 38, 38);">&#8221; and together with the Merger and </font>the

        other transactions contemplated by the Merger Agreement, the &#8220;<font style="font-weight: bold;"><u>Merger Transactions</u></font>&#8221;)<font style="color: rgb(38, 38, 38);">, with CFB Sub continuing as the surviving entity (the &#8220;</font><font style="font-weight: bold; color: rgb(38, 38, 38);"><u>Surviving Bank</u></font><font style="color: rgb(38, 38, 38);">&#8221;)</font>, and (iii) the Company&#8217;s voting common stock, par value $0.01 per share, will be renamed Class A Common Stock (&#8220;<font style="font-weight: bold;"><u>Class A Common Stock</u></font>&#8221;), a new class of non-voting common stock of the Company, par value $0.01 per share, will be created which will be named Class B Common Stock (&#8220;<font style="font-weight: bold;"><u>Class

            B Common Stock</u></font>&#8221;) and the Company&#8217;s currently authorized non-voting common stock, par value $0.01 per share, will be renamed Class C Common Stock (the &#8220;<font style="font-weight: bold;"><u>Class C Common Stock</u></font>&#8221; and
        collectively, the &#8220;<font style="font-weight: bold;"><u>Common Stock</u></font>&#8221;);</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company has engaged Raymond James &amp; Associates, Inc. and Keefe, Bruyette
          &amp; Woods, Inc. as co-placement agents (the &#8220;<font style="font-weight: bold;"><u>Placement Agents</u></font>&#8221;) for the offering of the Common Stock.</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company desires to issue and sell to the Investor, and the Investor desires to
          purchase from the Company, on the terms and conditions described herein, shares of Class A Common Stock at the Per Share Purchase Price specified herein (the &#8220;<font style="font-weight: bold;"><u>Investment</u></font>&#8221;);</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made subject to completion of the Merger
          Transactions;</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made concurrently with the sale by the Company of
          shares of Class A Common Stock and Class C Common Stock at the Per Share Purchase Price via private placement to certain other investors (the &#8220;<font style="font-weight: bold;"><u>Concurrent Other Transactions</u></font>&#8221;); and</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">NOW, THEREFORE</font><font style="font-size: 10pt;">, in consideration of the premises, and of the respective representations,
          warranties, covenants and other agreements of the Parties set forth herein, the Parties hereby agree as follows:</font></div>
      <div>&#160;</div>
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        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <!--PROfilePageNumberReset%Num%2%%%-->
      <div style="text-align: center; font-weight: bold;">ARTICLE 1.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655903"></a><a name="z_Toc55380678"></a><a name="z_Toc56510574"></a><a name="z_Toc63867967"></a>PURCHASE&#894; CLOSING</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655904"></a><a name="z_Toc55380679"></a><a name="z_Toc56510575"></a><a name="z_Toc63867968"></a><font style="font-weight: bold;">1.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Issuance,

            Sale and Purchase</u></font><font style="font-weight: bold;">.</font> On the terms and subject to the conditions set forth herein, the Company agrees to issue and sell to the Investor, and the Investor agrees to purchase from the Company, free
        and clear of any Liens, 1,685,393 shares of Class A Common Stock (the &#8220;<font style="font-weight: bold;"><u>Shares</u></font>&#8221;) at a per share purchase price of $1.78, or, if lower, the same price paid by any other Person who acquires shares (or
        enters into any agreement to acquire shares) of Class A Common Stock (or any other Voting Stock or Non-Voting Stock or common equivalent Preferred Stock) in any Concurrent Other Transaction (the &#8220;<font style="font-weight: bold;"><u>Per Share
            Purchase Price</u></font>&#8221;), payable to the Company in immediately available funds at the Closing; provided, however, that the number of Shares that the Investor is required to purchase pursuant to this Section 1.1 shall be reduced, if and to
        the extent necessary to cause the percentage of the Company&#8217;s Class A Common Stock held by the Investor as of immediately following the Closing and the closing of the Concurrent Other Transactions not to exceed 4.99% of the total number of shares
        of Class A Common Stock outstanding immediately following the Closing and the closing of the Concurrent Other Transactions.&#160; The aggregate purchase price payable pursuant to this Section 1.1 is referred to herein as the &#8220;<font style="font-weight: bold;"><u>Purchase Price</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655905"></a><a name="z_Toc55380680"></a><a name="z_Toc56510576"></a><a name="z_Toc63867969"></a><font style="font-weight: bold;">1.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing;





            Deliverables for the Closing; Conditions to the Closing</u><font style="font-weight: normal;">.</font></font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing</u></font>.&#160; Unless this Agreement has been terminated pursuant to Article 4, and subject to the satisfaction or, to the extent permitted by
        Law and this Agreement, the written waiver of the conditions set forth in Section 1.2(c), the closing of the transaction contemplated by this Agreement (the &#8220;<font style="font-weight: bold;"><u>Closing</u></font>&#8221;) shall take place at the offices
        of Arnold &amp; Porter LLP, located at 777 South Figueroa Street, 44th Floor, Los Angeles, California 90017, or remotely via the electronic or other exchange of documents and signature pages, at 9:00 a.m. Pacific Time on the second Business Day
        after the satisfaction or, if permissible, waiver of the conditions set forth in Section 1.2(c) (other than those which by their nature are to be satisfied at Closing, but subject to the satisfaction or waiver of such conditions), or at such other
        place or such other date as may be agreed to by the Parties (the &#8220;<font style="font-weight: bold;"><u>Closing Date</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing Deliverables</u></font>.&#160; Subject to the satisfaction or permitted waiver of the conditions to the Closing set forth in Section 1.2(c), at
        the Closing the Parties shall make the following deliveries:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Company shall deliver to the Investor one or more certificates evidencing the Shares registered in the name of the Investor (or if the Shares are to be uncertificated, the Company
        shall deliver appropriate evidence of such registration of the Shares in the name of the Investor);</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the Company shall deliver to the Investor a schedule setting forth the aggregate number of shares of each class of Capital Stock outstanding immediately after giving effect to the
        Merger Transactions, the Concurrent Other Transactions and the transactions contemplated hereby; and</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the Investor shall deliver the Purchase Price by wire transfer of immediately available funds to the account specified by the Company for this purpose by notice to the Investor prior
        to the Closing.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref53247642"></a>(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing Conditions</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The obligations of the Investor, on the one hand, and the Company, on the other hand, to consummate the purchase and sale of the Shares provided for in this Agreement are each subject
        to the satisfaction or, to the extent permitted by Law and this Agreement, the waiver by the Company or the Investor, as applicable, of the following conditions to the Closing under this Agreement:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160; All Governmental Consents required to have been obtained at or prior to the Closing Date in connection with the execution, delivery or performance of this Agreement and the consummation
        of the transactions contemplated hereby shall have been obtained and shall be in full force and effect.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160; The Merger Transactions shall have been consummated in accordance with the Merger Agreement, including the approval of the Merger Agreement by the stockholders of each of the Company and
        CFB;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160; If required under applicable Law or the rules and regulations of the Nasdaq Stock Market, the approval by stockholders of the Company of resolutions providing for the Company&#8217;s issuance
        of the maximum number of shares of Common Stock to be issued under this Agreement and in the Concurrent Other Transactions in accordance with this Agreement, the definitive documentation relating to the Concurrent Other Transactions, and applicable
        Law and the rules and regulations of the Nasdaq Stock Market (such approval being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Stockholder Approval</u></font>&#8221;) shall have been obtained;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160; Approval by the stockholders of the Company to increase in the authorized number of shares of Voting Common Stock (which will become Class A Common Stock upon completion of the Merger)
        from 50,000,000 shares to 75,000,000 shares, to be effected by the filing of an amended and restated certificate of incorporation of the Company (the &#8220;<font style="font-weight: bold;"><u>Authorized Shares Increase Approval</u></font>&#8221;),<font style="font-weight: bold;">&#160;</font>shall have been obtained.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Investor to consummate the purchase of Shares provided for in this Agreement is also subject to the satisfaction or waiver by the Investor of the following
        conditions to the Closing:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160; (i) The Company Specified Representations shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on and as of
        the Closing Date and (ii) the other representations and warranties of the Company set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on and
        as of the Closing Date, except, in the case of this clause (ii) only, to the extent that the failure to be true and correct (without regard to any materiality or Material Adverse Effect qualifications contained therein), would not reasonably be
        expected to have, individually or in the aggregate, a Material Adverse Effect and except, in the case of clauses (i) and (ii), that representations and warranties made as of a specified date shall be true and correct as of such date;</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160; The Company shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior to the
        Closing Date;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Investor shall have received a certificate, dated as of the Closing Date, signed on behalf of the Company by a senior executive officer certifying to the effect that the conditions
        set forth in Section 1.2(c)(ii)(A), Section 1.2(c)(ii)(B) and Section 1.2(c)(ii)(D) have been satisfied on and as of the Closing Date;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Since the date of this Agreement, no Material Adverse Effect shall have occurred and no change or other event shall have occurred that would reasonably be expected to have, individually
        or in the aggregate, a Material Adverse Effect;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Company to consummate the sale of the Shares provided for in this Agreement is also subject to the satisfaction or written waiver by the Company of the following
        conditions to the Closing:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The representations and warranties of the Investor set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the
        Closing Date as though made on and as of the Closing Date, except to the extent that the failure to be true and correct (without regard to any materiality qualifications contained therein) would not materially adversely affect the ability of the
        Investor to perform its obligations hereunder and except that (1) representations and warranties made as of a specified date shall be true and correct as of such date and (2) the representations and warranties of the Investor set forth in Sections
        2.3(d) and 2.3(f) shall be true and correct in all respects;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Investor shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior to
        the Closing Date; and</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company shall have received a certificate, dated as of the Closing Date, signed on behalf of the Investor by a duly authorized person certifying to the effect that the conditions
        set forth in Section 1.2(c)(iii)(A) and Section 1.2(c)(iii)(B) have been satisfied on and as of the Closing Date.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 2.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655906"></a><a name="z_Toc55380681"></a><a name="z_Toc56510577"></a><a name="z_Toc63867970"></a>REPRESENTATIONS AND WARRANTIES</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655907"></a><a name="z_Toc55380682"></a><a name="z_Toc56510578"></a><a name="z_Toc63867971"></a><font style="font-weight: bold;">2.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Certain





            Terms</u><font style="font-weight: normal;">.</font></font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Material Adverse Effect</u></font>&#8221; means any circumstance, event, change, development or effect that,
        individually or in the aggregate, would reasonably be expected to (i) result in a material adverse effect on the assets, liabilities, business, financial condition or results of operations of the Company and the Company Subsidiaries, taken as a
        whole, or (ii) materially impair or delay the ability of the Company or any of the Company Subsidiaries to perform its or their obligations under this Agreement to consummate the Closing or any of the transactions contemplated hereby; provided,
        however, that in determining whether a Material Adverse Effect has occurred under clause (i), there shall be excluded any circumstance, event, change, development or effect to the extent resulting from (A) actions or omissions of the Company or any
        Company Subsidiary expressly required or contemplated by the terms of this Agreement, (B) changes after the date hereof in general economic conditions in the United States, including financial market volatility or downturns, or in the markets in
        which the Company and the Company Subsidiaries operate, (C) changes after the date hereof affecting the banking industry generally, (D) any changes after the date hereof in applicable Laws or accounting rules or principles, including changes in
        GAAP, (E) changes in the market price or trading volume of the Common Stock or the Company&#8217;s other outstanding securities (but not the underlying causes of such changes), (F) any epidemic, pandemic or disease outbreak (including the Covid-19 virus)
        including any worsening of such conditions; or (G) any failure by the Company or any of the Company Subsidiaries to meet any internal projections or forecasts with regard to the assets, liabilities, business, financial condition or results of
        operations of the Company and the Company Subsidiaries, taken as a whole (but not the underlying causes of such failure), in each case to the extent that such circumstance, event, change, development or effect referred to in clauses (B), (C), (D)
        and (F) do not have a disproportionate effect on the Company and the Company Subsidiaries compared to other participants in the industries or markets in which the Company and the Company Subsidiaries operate.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Previously Disclosed</u></font>&#8221; (i) with regard to any Party, means information set forth in its Disclosure
        Schedule under Section references corresponding with the provision of this Agreement to which such information relates (including, in the case of the Company, information identified in the Company&#8217;s Disclosure Schedule); provided, however, that if
        such information is disclosed in such a way as to make its relevance or applicability to another provision of this Agreement reasonably apparent on its face, such information shall be deemed to be responsive to such other provision of this
        Agreement and (ii) with regard to the Company, includes information publicly disclosed by the Company in any reports, schedules, forms, statements and other documents filed or furnished by the Company under the Securities Act and the Exchange Act
        with the Securities and Exchange Commission (the &#8220;<font style="font-weight: bold;"><u>SEC</u></font>&#8221;), including pursuant to Section 13(a) or 15(d) thereof, since December 31, 2017, in each case available at least two Business Days prior to the
        date of this Agreement (excluding any risk factor disclosures contained in such documents under the heading &#8220;Risk Factors,&#8221; any disclosure under the heading &#8220;Market Risk&#8221; and any disclosure of risks included in any &#8220;forward-looking statements&#8221;
        disclaimer or other statements that are similarly non-specific and are predictive or forward-looking in nature). Notwithstanding anything in this Agreement to the contrary, the mere inclusion of an item in a Disclosure Schedule shall not be deemed
        an admission that such item represents a material exception or material fact, event or circumstance or that such item has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
      <div style="text-indent: 9pt;">&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;"><a name="z_Toc53655908"></a><a name="z_Toc55380683"></a><a name="z_Toc56510579"></a></font></div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
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      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">2.2</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations and Warranties of the Company</u></font>. Except as Previously Disclosed, the Company hereby
        represents and warrants to the Investor, as of the date of this Agreement and as of the Closing Date (except for the representations and warranties that are as of a specific date, which are made as of that date) that:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; Each of the Company and the Company Subsidiaries is a corporation or other entity duly organized and validly
        existing under the laws of the jurisdiction of its incorporation or organization. Each of the Company and the Company Subsidiaries is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of
        property or the conduct of its business requires it to be so qualified, except where any failure to be so qualified would not reasonably be expected to materially and adversely affect the Company and the Company Subsidiaries, taken as a whole.&#160;
        Further, each of the Company and the Company Subsidiaries has the corporate or other organizational power and authority to own its properties and assets and to carry on its business as it is now being conducted.&#160; The Company has Previously
        Disclosed correct and complete copies of the certificate of incorporation and bylaws (or similar governing documents) as amended through the date of this Agreement for the Company and Broadway Federal Bank, f.s.b. (the &#8220;<font style="font-weight: bold;"><u>Bank</u></font>&#8221;).&#160; The Company is duly registered with the Board of Governors of the Federal Reserve System (the &#8220;<font style="font-weight: bold;"><u>Federal Reserve</u></font>&#8221;) as a savings and loan holding company under the Savings
        and Loan Holding Company Act, as amended, 12 U.S.C. 1467a (the &#8220;<font style="font-weight: bold;"><u>SLHCA Act</u></font>&#8221;).&#160; As of the date hereof, the Company is a certified &#8220;community development financial institution&#8221; designated as such under
        the Community Development Banking and Financial Institutions Act of 1994, as amended (12 U.S.C. Sections 5311 et seq.) and its implementing regulations, as applicable (a &#8220;<font style="font-weight: bold;">CDFI</font>&#8221;).&#160; Following the consummation
        of the Bank Merger, the Surviving Bank will apply to be designated as a CDFI.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Company Subsidiaries</u></font>.&#160; As of the date of this Agreement, the Company has Previously Disclosed a true, complete and correct list of each
        entity in which the Company, directly or indirectly, owns sufficient capital stock or holds a sufficient equity or similar interest such that it is consolidated with the Company in the financial statements of the Company or has the power to elect a
        majority of the board of directors or other persons performing similar functions (each, a &#8220;<font style="font-weight: bold;"><u>Company Subsidiary</u></font>&#8221; and, collectively, the &#8220;<font style="font-weight: bold;"><u>Company Subsidiaries</u></font>&#8221;).&#160;

        Except for the Company Subsidiaries and as Previously Disclosed, the Company does not own beneficially or control, directly or indirectly, more than 5% of any class of equity securities or similar interests of any corporation, bank, business trust,
        association or similar organization, and is not, directly or indirectly, a partner in any general partnership or party to any joint venture or similar arrangement.&#160; The Company owns, directly or indirectly, all of its interests in each Company
        Subsidiary free and clear of any and all Liens.&#160; No equity security of any Company Subsidiary is or may be required to be issued by reason of any option, warrant, scrip, preemptive right, right to subscribe to, gross-up right, call or commitment of
        any character whatsoever relating to, or security or right convertible into, shares of any capital stock or other interest of such Company Subsidiary, and there are no contracts, commitments, understandings or arrangements by which any Company
        Subsidiary is bound to issue additional shares of its capital stock or other interest, or any option, warrant or right to purchase or acquire any additional shares of its capital stock.&#160; The deposit accounts of the Bank are insured by the Federal
        Deposit Insurance Corporation (&#8220;<font style="font-weight: bold;"><u>FDIC</u></font>&#8221;) to the fullest extent permitted by the Federal Deposit Insurance Act, as amended, and the rules and regulations of the FDIC thereunder, and all premiums and
        assessments required to be paid in connection therewith have been paid when due (after giving effect to any applicable extensions). The Company beneficially owns all of the outstanding capital securities of, and has sole control of, the Bank.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Capitalization</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except as set forth on the Disclosure Schedule, as of the date hereof, the authorized Capital Stock of the Company consists of 50,000,000 shares of Voting Common Stock, par value
        $0.01 per share (&#8220;<font style="font-weight: bold;"><u>Voting Common Stock</u></font>&#8221;), 25,000,000 shares of Non-Voting Common Stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Non-Voting Common Stock</u></font>&#8221;), and 1,000,000 shares
        of preferred stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Preferred Stock</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, before giving effect to the transaction provided for herein, the Merger Transactions and the Concurrent Other Transactions the Company has issued and
        outstanding: (i) 19,281,758 of shares of Voting Common Stock, including 556,169 shares of Voting Common Stock granted in respect of outstanding restricted stock awards, (ii) 1,637,902 shares of Voting Common Stock held by the trust for the Broadway
        Federal Bank, f.s.b. Employee Stock Ownership Plan, and (iii) 8,756,396 shares of Non-Voting Common Stock.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, other than in respect of awards outstanding under or issuable pursuant to the Company&#8217;s 2008 Long-Term Incentive Plan (the &#8220;<font style="font-weight: bold;"><u>Company





            Stock Plan</u></font>&#8221;) consisting of options to purchase an aggregate of 450,000 shares of common stock, and except in connection with this Agreement and the transactions contemplated hereby, the Merger Agreement and the Concurrent Other
        Transactions, the Company has not (A) agreed to issue or authorized the issuance after the date hereof of any shares of Common Stock or Preferred Stock, or any securities convertible into or exchangeable or exercisable for shares of Common Stock or
        Preferred Stock, (B) reserved for issuance any shares of Capital Stock of the Company or (C) repurchased or redeemed, or agreed to or authorized the repurchase or redemption of, any shares of Capital Stock of the Company.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; All of the issued and outstanding shares of Capital Stock of the Company have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights,
        except for the preemptive rights granted to certain institutional stockholders of the Company identified on Schedule 2.2(c)(iv) of the Company&#8217;s Disclosure Schedule.&#160; None of the outstanding shares of Capital Stock or other securities of the
        Company or any of the Company Subsidiaries was issued, sold or offered by the Company or any Company Subsidiary in violation of the Securities Act of 1933, as amended (the &#8220;<font style="font-weight: bold;"><u>Securities Act</u></font>&#8221;) or the
        securities or blue sky laws of any state or jurisdiction, or in violation of any agreement, arrangement or commitment to which the Company was or is a party or subject, or in violation of any preemptive or similar rights of any Person.&#160; No bonds,
        debentures, notes or other indebtedness having the right to vote on any matters on which the stockholders of the Company may vote (&#8220;<font style="font-weight: bold;"><u>Voting Debt</u></font>&#8221;) are issued and outstanding.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date of this Agreement, except for the outstanding awards under the Company Stock Plan, the Company does not have and is not bound by any outstanding subscriptions, options,
        warrants, calls, commitments or agreements of any character calling for the purchase or issuance of, or securities or rights convertible into or exchangeable or exercisable for, any shares of Capital Stock or Voting Debt of the Company.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">7</font></div>
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      <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company has the corporate power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The Board of Directors has approved the transactions
        contemplated by this Agreement.&#160; This Agreement has been duly and validly executed and delivered by the Company and, assuming due authorization, execution and delivery by the Investor, is the valid and binding obligation of the Company enforceable
        against the Company in accordance with its terms, except as enforcement may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting
        creditors&#8217; rights or by general equity principles (whether applied in equity or at law).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution and delivery by the Company of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Company with any of the
        provisions hereof, will, with or without the passage of time and giving of notice, (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would
        constitute a default) under, or result in the termination of, or result in the loss of any benefit or creation of any right on the part of any third party under, or accelerate the performance required by, or result in a right of termination or
        acceleration of, or result in the creation of any liens, charges, adverse rights or claims, pledges, covenants, title defects, security interests or other encumbrances of any kind (&#8220;<font style="font-weight: bold;"><u>Liens</u></font>&#8221;) upon any of
        the properties or assets of the Company or any Company Subsidiary, under any of the terms, conditions or provisions of (1) the certificate of incorporation or bylaws (or similar governing documents) of the Company and each Company Subsidiary or (2)
        any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Company or any of the Company Subsidiaries is a party or by which it may be bound, or to which the Company or any of the
        Company Subsidiaries, or any of the properties or assets of the Company or any of the Company Subsidiaries may be subject, or (B) violate any Law applicable to the Company or any of the Company Subsidiaries or any of their respective properties or
        assets except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
        delivery of this Agreement or for the sale by the Company of Common Stock to the Investor pursuant to this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Litigation and Other Proceedings</u></font>.&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material
        Adverse Effect, there is no pending or, to the Knowledge of the Company, threatened claim, action, suit, arbitration, complaint, charge or investigation or proceeding (each an &#8220;<font style="font-weight: bold;"><u>Action</u></font>&#8221;) against the
        Company or any Company Subsidiary or any of their respective assets, rights or properties, nor is the Company or any Company Subsidiary a party or named as subject to the provisions of any order, writ, injunction, settlement, judgment or decree of
        any court, arbitrator or government agency, or instrumentality.&#160; There has not been, and to the Knowledge of the Company, there is not pending or contemplated, any investigation or other Action by the SEC involving the Company or any current or
        former director or officer of the Company in his or her capacity as such.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">8</font></div>
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      <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Financial Statements</u></font>.&#160; The audited consolidated balance sheets of the Company and the Company Subsidiaries and the related consolidated
        statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s Annual Report on Form 10-K filed with the SEC for the year ended December 31, 2019 and the unaudited consolidated
        balance sheets of the Company and the Company Subsidiaries and the related unaudited consolidated statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s quarterly reports
        on Form 10-Q filed with the SEC for the quarterly period ending September 30, 2020 (the &#8220;<font style="font-weight: bold;"><u>Company Financial Statements</u></font>&#8221;) (i) have been prepared from, and are in accordance with, the books and records of
        the Company and the Company Subsidiaries, (ii) complied, as of the date of such filing, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, (iii) have been
        prepared in accordance with GAAP applied on a consistent basis and (iv) present fairly in all material respects the consolidated financial position of the Company and the Company Subsidiaries at the dates and the consolidated results of operations,
        changes in stockholders&#8217; equity and cash flows of the Company and the Company Subsidiaries for the periods stated therein.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Reports</u></font>.&#160; Since December 31, 2017, the Company and each Company Subsidiary have filed all material reports, registrations, documents,
        filings, statements and submissions, together with any required amendments thereto, that they were required to file with any Governmental Entity, including all those required under the Exchange Act, including all reports, registrations, documents,
        filings, statements and submissions required pursuant to Section 13(a) or 15(d) thereof (the foregoing, collectively, being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Company Reports</u></font>&#8221;) and have paid all material fees
        and assessments due and payable in connection therewith.&#160; As of their respective filing dates, or as subsequently amended prior to the date hereof, the Company Reports complied in all material respects with all statutes and applicable rules and
        regulations of the applicable Governmental Entities.&#160; As of the date of this Agreement, there are no outstanding comments from the SEC or any other Governmental Entity with respect to any Company Report that were the subject of written
        correspondence that have not been resolved.&#160; The Company Reports, including the documents incorporated by reference in each of them, each contained all the information required to be included in it and, when it was filed and, as of the date of each
        such Company Report filed with the SEC, or if amended prior to the date of this Agreement, as of the date of such amendment, did not contain an untrue statement of a material fact or omit to state a material fact necessary in order to make the
        statements made in it, in light of the circumstances under which they were made, not misleading and complied as to form in all material respects with the applicable requirements of the Securities Act and the Securities Exchange Act of 1934, as
        amended (the &#8220;<font style="font-weight: bold;"><u>Exchange Act</u></font>&#8221;).&#160; No executive officer of the Company has failed in any respect to make the certifications required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act of
        2002.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">9</font></div>
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      <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Internal Accounting and Disclosure Controls</u></font>.&#160; The records, systems, controls, data and information of the Company and the Company
        Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of the Company or the
        Company Subsidiaries (including all means of access thereto and therefrom) or reputable banking industry service providers, except for any non-exclusive ownership and non-direct control that would not reasonably be expected to have an adverse
        effect on the system of internal accounting controls described below in this Section 2.2(i).&#160; The Company (i) has implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) intended to ensure
        that material information relating to the Company, including its consolidated Subsidiaries, is made known to the chief executive officer and the chief financial officer of the Company by others within those entities, and (ii) has disclosed, based
        on its most recent evaluation prior to the date of this Agreement, to the Company&#8217;s outside auditors and the audit committee of the Board of Directors (A) any significant deficiencies and material weaknesses in the design or operation of internal
        control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) that are reasonably likely to adversely affect the Company&#8217;s ability to record, process, summarize and report financial information, and (B) any fraud, whether or
        not material, that involves management or other employees who have a significant role in the Company&#8217;s internal controls over financial reporting.&#160; As of the date of this Agreement, the Company has no Knowledge of any reason that its outside
        auditors and its chief executive and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act of 2002, without
        qualification, when due.&#160; Since December 31, 2017, neither the Company nor any Company Subsidiary nor any director or officer of the Company nor, to the Knowledge of the Company, any employee, auditor, accountant or representative of the Company or
        any Company Subsidiary has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods of
        the Company or any Company Subsidiary or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that the Company or any Company Subsidiary has engaged in questionable accounting or auditing
        practices.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref_ContractCompanion_9kb9Ur04C"></a>(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Data Privacy</u></font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries have taken commercially reasonable steps consistent with customary industry practices to protect the
        confidentiality, integrity, availability and security of the computers, servers, workstations, routers, hubs, switches, circuits, networks and other information technology equipment owned or controlled by them or by any third party and material to
        the Company and the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company IT Assets</u></font>&#8221;) (and all information and transactions stored or contained therein or transmitted thereby) against any unauthorized use, access,
        interruption, modification or corruption, and there has been no unauthorized use, access, interruption, modification or corruption of the Company IT Assets.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">10</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; In connection with their receipt, purchase, collection, securing, safeguarding, storage, transfer (including any transfer across national
        borders), disclosure, destruction/disposal, and/or use or other processing of any Personal Information, each of the Company and the Company Subsidiaries, is and has been, in material compliance with all Privacy Laws, their respective privacy
        policies and the requirements of any contract or codes of conduct to which any of the Company or the Company Subsidiaries is a party.&#160; The privacy policies of the Company are customary for the industry in which the Company operates.&#160; The Company
        and the Company Subsidiaries have commercially reasonable and appropriate physical, technical, organizational, and administrative security measures and policies in place designed to protect all Personal Information collected by them or on their
        behalf from and against unauthorized access, use, interruption, modification, corruption, and/or disclosure.&#160; The Company and the Company Subsidiaries have binding written agreements obligating (in accordance with and as required by Privacy Laws
        (as applicable)) all third parties collecting, accessing, receiving, storing or processing Personal Information on behalf of the Company and the Company Subsidiaries to (i) comply with all applicable Privacy Laws, (ii) take commercially reasonable
        and appropriate steps to protect and secure such Personal Information from and against unauthorized access, use interruption, modification, corruption, and/or disclosure which are no less stringent than those applied by the Company and the Company
        Subsidiaries and (iii) promptly notify the Company and the Company Subsidiaries of any unauthorized access, use interruption, modification, corruption, and/or disclosure of Personal Information or Company IT Assets processing Personal Information.&#160;
        The Company and the Company Subsidiaries are, and since December 31, 2017, have been, in compliance in all material respects with all Privacy Laws and any other applicable Laws in all relevant jurisdictions relating to data loss, theft and breach
        of security notification obligations.&#160; Since December 31, 2017, none of the Company or any of the Company Subsidiaries has experienced a material breach of its information technology systems or a data loss, exposure or theft as defined by the Laws
        in all relevant jurisdictions.&#160; None of the Company or any of the Company Subsidiaries has been charged with, or received any notice of any claims of, the violation in any material respect of any Privacy Laws or any of their respective privacy
        policies.&#160; The consummation of the transactions contemplated hereby will not breach or otherwise cause any violation of any Privacy Law.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; For the purposes of this <u>Section 2.2(j)</u>:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(1)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<u>Personal Information</u>&#8221; means, in addition to any definition provided by applicable law or by the Company and the Company Subsidiaries in
        any of their respective privacy policies, contracts, or other public-facing statements for any similar term (<font style="font-style: italic;">e.g.</font>, &#8220;personally identifiable information&#8221; or &#8220;PII&#8221;), all information identifying, regarding or
        capable of being associated with an individual person or device.&#160; Personal Information may relate to any individual, including a current, prospective or former client (or a client&#8217;s customer or end user) or employee of any Person, and includes
        information in any form, including paper, electronic and other forms.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(2)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<u>Privacy Laws</u>&#8221; means all applicable laws, legal requirements, and self-regulatory guidelines and principles relating to privacy, data
        security, and Personal Information and similar applicable consumer protection laws, including with respect to the receipt, collection, compilation, use, storage, processing, sharing, safeguarding, security, disposal, destruction, disclosure or
        transfer of Personal Information and any and all applicable laws governing breach notification in connection with Personal Information.&#160; As used in this Agreement, &#8220;Privacy Laws&#8221; shall include the California Consumer Privacy Act, General Data
        Protection Regulation and the rules and regulations promulgated thereunder, and applicable state laws.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Undisclosed Liabilities</u></font>.&#160; There are no liabilities of the Company or any of the Company Subsidiaries of any kind whatsoever, whether
        accrued, contingent, absolute, determined, determinable or otherwise, except for (i) liabilities adequately reflected or reserved against in accordance with GAAP in the Company&#8217;s audited balance sheet as of December 31, 2019 and (ii) liabilities
        that have arisen in the ordinary and usual course of business and consistent with past practice since December 31, 2019 and that have not or would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">11</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Mortgage Lending</u></font>.&#160; The Company and each of the Company Subsidiaries have complied in all material respects with, and all documentation in
        connection with the origination, processing, underwriting and credit approval of any mortgage loan originated, purchased or serviced by the Company or any Company Subsidiary has satisfied, in all material respects (i) all Laws with respect to the
        origination, insuring, purchase, sale, servicing, or filing of claims in connection with mortgage loans, including all Laws relating to real estate settlement procedures, consumer credit protection, truth in lending laws, usury limitations, fair
        housing, transfers of servicing, collection practices, equal credit opportunity and adjustable rate mortgages, (ii) the responsibilities and obligations relating to mortgage loans set forth in any agreement between the Company and any Agency, Loan
        Investor or Insurer, (iii) the applicable rules, regulations, guidelines, handbooks and other requirements of any Agency, Loan Investor or Insurer and (iv) the terms and provisions of any mortgage or other collateral documents and other loan
        documents with respect to each mortgage loan.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Bank Secrecy Act; Anti-Money Laundering; OFAC; and Customer Information</u></font>.&#160; The Company is not aware of, has not been advised of, and, to
        the Knowledge of the Company, has no reason to believe that any facts or circumstances exist that would cause it or any Company Subsidiary to be deemed to be not operating in compliance, in all material respects, with the Bank Secrecy Act of 1970,
        as amended, the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (also known as the USA PATRIOT Act), any order or regulation issued by the Treasury&#8217;s Office of Foreign Assets
        Control (&#8220;<font style="font-weight: bold;"><u>OFAC</u></font>&#8221;), or any other applicable anti-money laundering or anti-terrorist-financing statute, rule or regulation.&#160; The Company is not aware of any facts or circumstances that would cause it to
        believe that any nonpublic customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause or require it to undertake any material remedial action.&#160; The Company and each of the Company Subsidiaries
        have adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with the USA PATRIOT Act and such anti-money laundering program meets the requirements
        in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and they have complied in all respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the
        regulations thereunder.&#160; The Company will not directly or indirectly use the proceeds of the sale of the Common Stock pursuant to transactions contemplated by this Agreement, or lend, contribute or otherwise make available such proceeds to any
        Company Subsidiary, joint venture partner or other Person, towards any sales or operations in any country appearing on the OFAC Specially Designated Nationals List (&#8220;<font style="font-weight: bold;"><u>SDN List</u></font>&#8221;) or for the purpose of
        financing the activities of any Person currently appearing on the SDN List.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">12</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Certain Payments</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries, nor any directors or officers of the Company, nor to the
        Knowledge of the Company, employees or any Affiliates of the Company or the Company Subsidiaries or any other Person who to the Knowledge of the Company is associated with or acting on behalf of the Company or any of the Company Subsidiaries has
        directly or indirectly (i) made any contribution, gift, bribe, rebate, payoff, influence payment, kickback, or other payment in material violation of any Law, including the U.S. Foreign Corrupt Practices Act of 1977, as amended, and any applicable
        anti-bribery or anti-corruption laws, to any Person, private or public, regardless of form, whether in money, property, or services (A) to obtain favorable treatment in securing business for the Company or any of the Company Subsidiaries, (B) to
        pay for favorable treatment for business secured by the Company or any of the Company Subsidiaries, or (C) to obtain special concessions or for special concessions already obtained, for or in respect of the Company or any of the Company
        Subsidiaries or (ii) established or maintained any fund or asset with respect to the Company or any of the Company Subsidiaries that was required by Law or GAAP to have been recorded and was not recorded in the books and records of the Company or
        any of the Company Subsidiaries.&#160; <font style="color: rgb(0, 0, 0);">Neither the Company nor any Company Subsidiaries has conducted any internal investigation, made any voluntary, directed, or involuntary disclosure to any Governmental Entity, or
          received any audit report, written communication from a Governmental Entity, or whistleblower or other written complaint, involving alleged violations in any material respect of </font>the U.S. Foreign Corrupt Practices Act of 1977, as amended,
        and any applicable anti-bribery or anti-corruption laws <font style="color: rgb(0, 0, 0);">on the part of the Company, any of the Company Subsidiaries, or any Person acting on behalf of the Company or any of the Company Subsidiaries.</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Absence of Certain Changes</u></font>.&#160; Since December 31, 2019 and except as Previously Disclosed or as required or contemplated by the terms of
        this Agreement, (i) the Company and the Company Subsidiaries have conducted their respective businesses in all material respects in the ordinary and usual course of business consistent with past practices, (ii) through (and including) the date of
        this Agreement, no fact, event, change, condition, development, circumstance or effect has occurred that has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and (iii) no material default (or
        event which, with notice or lapse of time, or both, would constitute a material default) exists on the part of the Company or any Company Subsidiary in the due performance and observance of any term, covenant or condition of any agreement to which
        the Company or any Company Subsidiary is a party and which would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Compliance with Laws</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company, each Company Subsidiary and each of their officers, agents, representatives and employees possesses, holds and have all material permits, licenses, franchises,
        authorizations, orders, consents, registrations, accreditations and approvals of, and have made all filings, applications and registrations with, Governmental Entities that are required in order to permit the Company and each Company Subsidiary to
        own or lease their properties and assets and to carry on their business as presently conducted and that are material to the business of the Company and each Company Subsidiary (collectively, the &#8220;<font style="font-weight: bold;"><u>Governmental
            Authorizations</u></font>&#8221;).&#160; The Company and the Company Subsidiaries, and to the Company&#8217;s Knowledge, their respective officers, agents, representatives and employees, are not in default under any of such Governmental Authorizations, which
        default(s) would be, or be reasonably expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; The Company and each Company Subsidiary have complied with and (A) are not, and since
        December 31, 2017, have not been, in default or violation in any respect of, (B) are not under investigation with respect to, and (C) have not been threatened to be charged with or given notice of any material violation of, any applicable material
        domestic (federal, state or local) or foreign law, statute, ordinance, license, rule, regulation, policy or guideline, order, demand, writ, injunction, decree or judgment of any Governmental Entity (each, a &#8220;<font style="font-weight: bold;"><u>Law</u></font>&#8221;),






        other than such noncompliance, defaults or violations as would not reasonably be expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; No Governmental Entity has placed any
        material restriction on the business or properties of the Company or any of the Company Subsidiaries.&#160; As of the date hereof, the Bank has a Community Reinvestment Act rating of &#8220;outstanding.&#8221;</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">13</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; Except for normal examinations conducted by a Governmental Entity in the ordinary course of business of the Company and the Company Subsidiaries, (A) no Governmental Entity has
        initiated or has pending any proceeding or, to the Knowledge of the Company, investigation into the business or operations of the Company or any of the Company Subsidiaries since December 31, 2017, (B) there is no unresolved violation or exception
        by any Governmental Entity with respect to any report or statement relating to any examinations or inspections of the Company or any of the Company Subsidiaries, and (C) there have been no formal or informal inquiries by, or disagreements or
        disputes with, any Governmental Entity with respect to the business, operations, policies or procedures of the Company or any of the Company Subsidiaries since December 31, 2017, in each case of clauses (A) through (C), which would reasonably be
        expected, individually or in the aggregate, to be material to the Company and the Company Subsidiaries (taken as a whole).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries are not, and since December 31, 2017, have not been, in violation or default of any provisions of their respective certification of
        incorporation or bylaws (or similar governing documents).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Adequate Capitalization</u></font>.&#160; As of September 30, 2020, the Bank met or exceeded the standards necessary to be considered &#8220;adequately
        capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.&#160; As of the Closing and after giving effect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions, the Bank meets or exceeds the
        standards necessary to be considered &#8220;adequately capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Agreements with Regulatory Agencies</u></font>.&#160; The Company and the Company Subsidiaries (A) are not subject to any cease-and-desist or other
        similar order or enforcement action issued by, (B) are not a party to any written agreement, consent agreement or memorandum of understanding with, (C) are not a party to any commitment letter or similar undertaking to, and (D) are not subject to
        any capital directive by, and since December 31, 2017, neither the Company nor any of the Company Subsidiaries has adopted any board resolutions at the request of any Governmental Entity that currently restricts in any material respect the conduct
        of its business or that in any material manner relates to its capital adequacy, its liquidity and funding policies and practices, its ability to pay dividends, its credit, risk management or compliance policies, its internal controls, its
        management or its operations or business, nor has the Company nor any of the Company Subsidiaries been advised since December 31, 2019 by any Governmental Entity that it is considering issuing, initiating, ordering, or requesting any of the same.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">14</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Insurance</u></font>.&#160; The Company and each of the Company Subsidiaries are presently insured, and have been insured for at least the past two
        years, for reasonable amounts with financially sound and reputable insurance companies against such risks as companies engaged in a similar business would, in accordance with good business practice, customarily be insured.&#160; All of the policies,
        bonds and other arrangements providing for the foregoing (the &#8220;<font style="font-weight: bold;"><u>Company Insurance Policies</u></font>&#8221;) are in full force and effect, the premiums due and payable thereon have been or will be timely paid through
        the Closing Date, and there is no material breach or default (and no condition exists or event has occurred that, with the giving of notice or lapse of time or both, would constitute such a material breach or default) by the Company or any of the
        Company Subsidiaries under any of the Company Insurance Policies or, to the Knowledge of the Company, by any other party to the Company Insurance Policies.&#160; Neither the Company nor any of the Company Subsidiaries has received any written notice of
        cancellation or non-renewal of any Company Insurance Policy nor is the termination of any such policies threatened in writing by the insurer, and there is no material claim for coverage by the Company, or any of the Company Subsidiaries, pending
        under any of such Company Insurance Policies as to which coverage has been denied or disputed by the underwriters of such Company Insurance Policies or in respect of which such underwriters have reserved their rights.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Title</u></font>.&#160; The Company and the Company Subsidiaries have good and marketable title in fee simple to all real property owned by them and good
        and valid title to all material personal property owned by them, in each case free and clear of all Liens, except for Liens which do not materially affect the value of such property and do not interfere with the use made and proposed to be made of
        such property by the Company or any Company Subsidiary.&#160; Any real property and facilities held under lease by the Company or the Company Subsidiaries are leased pursuant to valid, subsisting and enforceable leases with such exceptions that are not
        material and do not interfere with the use made and proposed to be made of such property and facilities by the Company or the Company Subsidiaries.</div>
      <div>&#160;</div>
      <div style="color: rgb(0, 0, 0); font-size: 12pt; text-indent: 72pt;"><a name="z_Toc334353686"></a><a name="z_Ref210137921"></a><font style="font-size: 10pt;">(u)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Intellectual

              Property</u></font>. The Company and the Company Subsidiaries own or possess adequate rights or licenses to use all trademarks, service marks and all applications and registrations therefor, trade names, patents, patent rights, copyrights,
          original works of authorship, inventions, trade secrets and other intellectual property rights (collectively, &#8220;<font style="font-weight: bold;"><u>Intellectual Property Rights</u></font>&#8221;) used in their businesses as conducted on the date of this
          Agreement, except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.&#160; To the Knowledge of the Company, no product or service of the Company or the Company Subsidiaries infringes the
          Intellectual Property Rights of others.</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Employee Benefits</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 2.2(v) of the Disclosure Schedule sets forth a correct and complete list of each &#8220;<u>employee benefit plan</u>&#8221; (within the meaning of Section 3(3) of the Employee Retirement
        Income Security Act of 1974, as amended (&#8220;<font style="font-weight: bold;"><u>ERISA</u></font>&#8221;), including, without limitation, multiemployer plans within the meaning of Section 3(37) of ERISA), and all stock purchase, stock option, severance,
        employment, change-in-control, fringe benefit, bonus, incentive, deferred compensation and all other employee benefit plans, agreements, programs, policies or other arrangements, whether or not subject to ERISA (including any funding mechanism
        therefor now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (A) any current or former employee or director of the Company or
        any of the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company Employees</u></font>&#8221;) has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or any of the Company
        Subsidiaries or (B) the Company or any Company Subsidiary has had or has any present or future liability. All such plans, agreements, programs, policies and arrangements are collectively referred herein to as the &#8220;<font style="font-weight: bold;"><u>Benefit





            Plans</u></font>.&#8221;</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">15</font></div>
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      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (A) Each Benefit Plan has been established and administered in all material respects in accordance with its terms, and in compliance with the applicable provisions of ERISA, the Code
        and other Laws&#894; (B) no &#8220;reportable event&#8221; (as such term is defined in Section 4043 of ERISA) that could reasonably be expected to result in material liability has occurred with respect to any Benefit Plan, and (C) no non-exempt &#8220;prohibited
        transaction&#8221; (as such term is defined in Section 406 of ERISA and Section 4975 of the Code) has been engaged in by the Company or any Company Subsidiary with respect to any Benefit Plan that has or is expected to result in any material liability or
        &#8220;accumulated funding deficiency&#8221; (as such term is defined in Section 302 of ERISA and Section 412 of the Code (whether or not waived)).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries will be in compliance, as of the Closing Date, with Sections 111 and 302 of the Emergency Economic Stabilization Act of 2008, as amended by
        the U.S. American Recovery and Reinvestment Act of 2009, including all guidance issued thereunder by a Governmental Entity (collectively &#8220;<font style="font-weight: bold;"><u>EESA</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160; &#160;&#160; None of the Company or any Company Subsidiary or any trade or business, whether or not incorporated (an &#8220;<font style="font-weight: bold;"><u>ERISA Affiliate</u></font>&#8221;), all of which
        together with the Company or any Company Subsidiary would be deemed a &#8220;single employer&#8221; within the meaning of Section 4001 of ERISA, has, at any time during the last six years, contributed to or been obligated to contribute to any plan that is (i)
        subject to Title IV or Section 302 of ERISA or Section 412 or 4971 of the Code or (ii) a &#8220;multiemployer plan&#8221; within the meaning of Section 4001(a)(3) of ERISA (a &#8220;<font style="font-weight: bold;"><u>Multiemployer Plan</u></font>&#8221;) or a plan that
        has two or more contributing sponsors at least two of whom are not under common control, within the meaning of Section 4063 of ERISA; and none of Company and the Company Subsidiaries nor any of their respective ERISA Affiliates has incurred any
        liability to a Multiemployer Plan as a result of a complete or partial withdrawal from such Multiemployer Plan, as those terms are defined in Part I of Subtitle E of Title IV of ERISA.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160; &#160;&#160; &#160; Neither the Company nor any Company Subsidiary has any material unfunded liabilities existing under or in connection with any Benefit Plan, and each such Benefit Plan has been
        established and administered in all respects in accordance with its terms, and in compliance with applicable law, except where failure to be in compliance would not reasonably be expected to result in, individually or in the aggregate, a Material
        Adverse Effect.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(vi)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution of this Agreement nor the consummation of the transactions contemplated hereby could (either alone or in conjunction with any other event) reasonably be expected
        to result in, cause the accelerated vesting, funding or delivery of, or increase the amount or value of, any payment or benefit to any employee, officer or director of the Company or any Company Subsidiary.<br>
        <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">16</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Taxes</u></font>.&#160; All material Tax Returns required to be filed by, or on behalf of, the Company or the Company Subsidiaries have been timely filed,
        or will be timely filed, in accordance with all Laws, and all such Tax Returns are, or will be at the time of filing, complete and correct in all material respects.&#160; The Company and the Company Subsidiaries have timely paid all material Taxes due
        and payable (whether or not shown on such Tax Returns), or, where payment is not yet due, have made adequate financial statement provisions therefor in accordance with GAAP.&#160; There are no Liens with respect to Taxes upon any of the assets or
        properties of either the Company or the Company Subsidiaries other than with respect to Taxes not yet due and payable.&#160; As of the date of this Agreement, there are not pending or threatened in writing, any audits, examinations, investigations or
        other proceedings initiated by the Internal Revenue Service in respect of U.S. federal income tax matters.&#160; None of the Company or any of the Company Subsidiaries has been a &#8220;controlled corporation&#8221; or a &#8220;distributing corporation&#8221; in any
        distribution occurring during the two-year period ending on the date hereof that was purported or intended to be governed by Section 355 of the Code (or any similar provision of state, local or foreign Law).&#160; The Company and each Company Subsidiary
        is, and has been since the date of its formation, a corporation for U.S. federal income tax purposes, and neither the Company nor any Company Subsidiary has elected pursuant to the Code to be treated as a Subchapter S corporation pursuant to
        Section 1362(a) of the Code, nor has it made any other elections pursuant to the Code (other than elections that relate solely to methods of accounting, depreciation or amortization) that would have, or be <font style="color: rgb(0, 0, 0);">reasonably
          expected to result in, </font>individually or in the aggregate, <font style="color: rgb(0, 0, 0);">a Material Adverse Effect.</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Labor</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Employees of the Company and the Company Subsidiaries are not represented by any labor union nor are any collective bargaining agreements otherwise in effect with respect to such
        employees.&#160; No labor organization or group of employees of the Company or any Company Subsidiary has made a pending demand for recognition or certification, and there are no representation or certification proceedings or petitions presently pending
        or threatened to be brought or filed with the National Labor Relations Board or any other labor relations tribunal or authority, nor have there been in the last three years.&#160; There are no strikes, work stoppages, slowdowns, labor picketing
        lockouts, material arbitrations or material grievances, or other material labor disputes pending or, to the Knowledge of the Company, threatened against or involving the Company or any Company Subsidiary, nor have there been any in the past year.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, the Company and the Company Subsidiaries are in compliance with all
        federal and state Laws and requirements respecting employment and employment practices, terms and conditions of employment, collective bargaining, disability, immigration, health and safety, wages, hours and benefits, non-discrimination in
        employment, workers&#8217; compensation and the collection and payment of withholding and/or payroll taxes and similar taxes.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160; &#160; There is no charge or complaint pending or threatened before any Governmental Entity alleging unlawful discrimination in employment practices, unfair labor practices or other unlawful
        employment practices by the Company or any Company Subsidiary.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">17</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; To the Knowledge of the Company, since December 31, 2017, no allegations of sexual harassment or misconduct have been made against (A) an officer of the Company or any of the Company
        Subsidiaries, (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000. Since
        December 31, 2017, neither the Company nor any of the Company Subsidiaries has entered into any settlement agreements related to allegations of sexual harassment or misconduct by (A) an officer of the Company or any of the Company Subsidiaries, (B)
        a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of $75,000.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Except as Previously Disclosed, neither the Company nor any of its officers, directors, employees or agents has
        employed any broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Company in connection with this Agreement or the
        transactions contemplated hereby, the fees of which would be payable by the Investor.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(z)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-weight: bold;"><u>Offering of Securities</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;"><a name="z_Hlk61609564"></a>(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the Company nor any Person acting on its behalf has taken any action (including any offering of any securities of the Company under circumstances
        which would require the integration of such offering with the offering of any of the Shares to be issued pursuant to this Agreement under the Securities Act and the rules and regulations of the SEC promulgated thereunder) which would subject the
        offering, issuance or sale of any of the Shares to be issued pursuant to this Agreement to be subject to the registration requirements of the Securities Act.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company is not disqualified from relying on Rule 506 of Regulation D (&#8220;<font style="font-weight: bold;">Rule 506</font>&#8221;) under the Securities Act for any of the reasons stated in
        Rule 506(d) (each such reason, a &#8220;<font style="font-weight: bold;">Disqualification Event</font>&#8221;) in connection with the issuance and sale of the Shares to the Investor.&#160; The Company has furnished the Investor, a reasonable time prior to the date
        hereof, a description in writing of any matters that would have triggered disqualification under Rule 506(d) but which occurred before September 23, 2013, in each case, in compliance with the disclosure requirements of Rule 506(e).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(aa)&#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Affiliate Transactions</u></font>.&#160; No officer, director, five percent (5%) stockholder or other Affiliate of the Company (or any Company Subsidiary),
        or any individual who, to the Knowledge of the Company, is related by marriage or adoption to or shares the same home as any such Person, or any entity which, to the Knowledge of the Company, is controlled by any such Person (collectively, an &#8220;<font style="font-weight: bold;"><u>Insider</u></font>&#8221;), is a party to any contract or transaction with the Company (or any Company Subsidiary) which pertains to the business of the Company (or any Company Subsidiary) or has any interest in any
        property, real or personal or mixed, tangible or intangible, used in or pertaining to the business of the Company or any Company Subsidiary.&#160; The foregoing representation and warranty does not include deposit accounts of an Insider at the Company
        or any Company Subsidiary or loans of $250,000 or less made in the ordinary course of business to Insiders in compliance with Regulation O and other applicable Law.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">18</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(bb)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Private Placement</u></font>.&#160; <a name="z_Hlk61609623"></a>Assuming the accuracy of the Investor&#8217;s representations and warranties set forth in
        Section 2.3 of this Agreement, no registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.&#160; Assuming the Stockholder Approval is obtained (if required), the issuance and sale of the
        Shares hereunder does not contravene the rules and regulations of the Nasdaq Stock Market.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(cc)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Listing and Maintenance Requirements</u></font>.&#160; The Company&#8217;s Voting Common Stock is (and at the Closing, the Class A Common Stock will be)
        registered pursuant to Section 12(b) of the Exchange Act, and the Company has taken no action designed to terminate the registration of the Voting Common Stock under the Exchange Act nor has the Company received any notification that the SEC is
        contemplating terminating such registration.&#160; The Company has not, in the 12 months preceding the date hereof, received written notice from the Nasdaq Stock Market to the effect that the Company is not in compliance with the listing or maintenance
        requirements of the Nasdaq Stock Market.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(dd)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Investment Company</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries is required to be registered as, and is not an Affiliate of,
        and immediately following the Closing will not be required to register as, an &#8220;investment company&#8221; within the meaning of the Investment Company Act of 1940, as amended.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(ee)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Acknowledgment Regarding the Investor&#8217;s Purchase of Shares</u></font>.&#160; The Company acknowledges and agrees that the Investor is acting solely in the
        capacity of an arm&#8217;s length purchaser with respect to this Agreement and the transactions contemplated hereby.&#160; The Company further acknowledges that the Investor is not acting as a financial advisor or fiduciary of the Company (or in any similar
        capacity) with respect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions and any advice given by the Investor or any of its representatives or agents in connection with this Agreement, the transactions
        contemplated hereby and the Concurrent Other Transactions is merely incidental to Investor&#8217;s purchase of the Shares.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(ff)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No General Solicitation or General Advertising</u></font>.&#160; <a name="z_Hlk61609724"></a>Neither the Company nor any person acting on its behalf
        has engaged or will engage in any form of general solicitation or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">(gg)</font><font style="background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;">Shell Company Status</font>.&#160; The Company is not,
          and has never been, an issuer identified in Rule 144(i)(1) under the Securities Act.</font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(hh)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Valid Issuance of Shares</u></font><font style="font-weight: bold;">.</font>&#160; The Shares sold and delivered in accordance with the terms hereof for
        the consideration expressed herein will be duly and validly issued, fully paid and nonassessable and free of restrictions on transfer other than restrictions on transfer under applicable state and federal securities laws.&#160; Assuming the accuracy of
        the representations and warranties of the Investor set forth in Section 2.3, the Shares will be issued in compliance with all applicable federal and state securities laws.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;"><a name="z_Toc53655909"></a><a name="z_Toc55380684"></a><a name="z_Toc56510580"></a></font></div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">19</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">2.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations and Warranties of the Investor</u></font><font style="font-weight: bold;">.</font> Except as
        Previously Disclosed, the Investor hereby represents and warrants to the Company, as of the date hereof and as of the Closing Date (except for the representations and warranties that are as of a specific date which are made as of that date) that:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; The Investor is duly organized, validly existing and in good standing under the laws of the jurisdiction of
        its organization, is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of property or the conduct of its business requires it to be so qualified and where failure to be so qualified would be
        reasonably expected to materially and adversely impair or delay its ability to perform its obligations under this Agreement or to consummate the transactions contemplated hereby.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>. </div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160; The Investor has the necessary power and authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; The execution, delivery and performance of this
        Agreement and the consummation of the transactions contemplated hereby have been duly authorized by its board of directors, general partner or managing members, investment committee, investment adviser or other authorized person, as the case may
        be, and no further approval or authorization by any of its stockholders, partners or other equity owners, as the case may be, is required.&#160; This Agreement has been duly and validly executed and delivered by the Investor and, assuming due
        authorization, execution and delivery by the Company is the valid and binding obligation of the Investor enforceable against the Investor in accordance with its terms (except as enforcement may be limited by applicable bankruptcy, insolvency,
        reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution, delivery and performance by the Investor of this Agreement nor the consummation of the transactions contemplated hereby, nor compliance by the Investor with any
        of the provisions hereof, will (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would constitute a default) under, or result in the termination
        of, or accelerate the performance required by, or result in a right of termination or acceleration of, or result in the creation of any Liens upon any of the properties or assets of the Investor under any of the terms, conditions or provisions of
        (1) its articles of incorporation or bylaws, its certificate of limited partnership or partnership agreement or its similar governing documents or (2) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument
        or obligation to which the Investor is a party or by which the Investor may be bound, or to which the Investor or any of the properties or assets of the Investor may be subject, or (B) violate any Law applicable to the Investor or any of its
        properties or assets, except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to materially adversely affect the Investor&#8217;s ability to perform its obligations under this Agreement
        or consummate the transactions contemplated hereby on a timely basis.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
        delivery of this Agreement or for the purchase by the Investor of the Shares pursuant to this Agreement.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">20</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Purchase for Investment&#894; Accredited Investor Status; Pre-Existing Relationship</u></font>.&#160; The Investor acknowledges that the Shares to be purchased
        by the Investor pursuant to this Agreement have not been registered under the Securities Act or under any state securities laws and may not be resold or transferred by the Investor without such registration or appropriate reliance on any available
        exemption from such requirements.&#160; The Investor (i) is acquiring the Shares pursuant to an exemption from the registration requirements of the Securities Act and other applicable securities laws solely for investment with no present intention to
        distribute any of the Shares to any Person, (ii) will not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other applicable securities
        laws, (iii) has such knowledge and experience in financial and business matters and in investments of this type that it is capable of evaluating the merits and risks of its investment in the Shares and of making an informed investment decision and
        (iv) is an &#8220;accredited investor&#8221; (as that term is defined by Rule 501 under the Securities Act), (vi) is aware that the Company has entered into the Merger Agreement pursuant to which it is required to file with the SEC a Registration Statement on
        Form S-4 (the &#8220;<font style="font-weight: bold;"><u>Registration Statement</u></font>&#8221;), and (vi) began discussions regarding the potential for the Investment by this Agreement with representatives of the Company before the Registration Statement
        was filed with the SEC and Investor&#8217;s purchase of the Shares was not solicited by the Registration Statement or any other filing made by the Company with the SEC.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Neither the Investor, nor its Affiliates nor any of their respective officers or directors, has employed any broker
        or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Investor in connection with this Agreement or the transactions
        contemplated hereby.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Access to Information</u></font>.&#160; The Investor acknowledges that it has been afforded (i) the opportunity to ask such questions as it has deemed
        necessary of, and to receive answers from, representatives of the Company concerning the terms and conditions of the offering of the Shares and the merits and risks of investing in the Shares; (ii) access to information about the Company and the
        Company Subsidiaries and their respective financial condition, results of operations, business, properties, management and prospects sufficient to enable it to evaluate its investment; (iii) the opportunity to obtain such additional information
        that the Company possesses or can acquire without unreasonable effort or expense that is necessary to make an informed investment decision with respect to the Investment; and (iv) the opportunity to ask questions of management of the Company.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Reliance</u></font>.&#160; The Investor has not relied on any representation or warranty made by any Person by or on behalf of the Company, including,
        without limitation, the Placement Agents, in connection with the Investment other than those contained in this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Placement Agents</u></font>.&#160; The Investor acknowledges that the Placement Agents have not performed any due diligence review on behalf of the
        Investor.&#160; Furthermore, the Investor will purchase the Shares directly from the Company and not from the Placement Agents and understands that neither the Placement Agents nor any other broker or dealer has any obligation to make a market in the
        Common Stock.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">21</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Accuracy of Representations</u></font>.&#160; The Investor understands that each of the Placement Agents and the Company will rely upon the truth and
        accuracy of the foregoing representations, acknowledgements and agreements in connection with the transactions contemplated by this Agreement and agrees that if any of the representations or acknowledgements made by it are no longer accurate as of
        the Closing Date, or if any of the agreements made by it are breached on or prior to the Closing Date, it shall promptly notify the Placement Agents and the Company.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 3.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655910"></a><a name="z_Toc55380685"></a><a name="z_Toc56510581"></a><a name="z_Toc63867974"></a>COVENANTS</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655911"></a><a name="z_Toc55380686"></a><a name="z_Toc56510582"></a><a name="z_Toc63867975"></a><font style="font-weight: bold;">3.1</font>&#160;&#160; &#160;&#160; &#160; <font style="font-weight: bold;"><u>Conduct





            of Business Prior to Closing</u></font><font style="font-weight: normal;">.</font> Except as otherwise expressly required or contemplated by this Agreement or applicable Law, or with the prior written consent of the Investor, between the date
        of this Agreement and the Closing, the Company shall, and the Company shall cause each Company Subsidiary to:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160; &#160; &#160;&#160; use commercially reasonable efforts to conduct its business only in the ordinary course of business consistent with past practice; and</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; use commercially reasonable efforts to (i) preserve the present business operations, organization (including officers and employees) and goodwill of the Company and any Company
        Subsidiary and (ii) preserve business relationships with customers, suppliers, consultants and others having business dealings with the Company; provided, however, that nothing in this clause (b) shall place any limit on the ability of the Board of
        Directors to act in accordance with, or require any actions that the Board of Directors may, in good faith, determine to be inconsistent with, its duties or the Company&#8217;s obligations under applicable Law or imposed by any Governmental Entity.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;"><a name="z_Toc55380687"></a><a name="z_Toc56510583"></a><a name="z_Toc63867976"></a><a name="z_Hlk54711438"></a><font style="font-weight: bold;">3.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Use of Proceed<font style="font-weight: bold;">s</font></u></font><font style="font-weight: bold;"><font style="font-weight: normal;">.</font> </font>The proceeds received by the Company from the sale of the Shares contemplated hereunder (net of any applicable
        costs and expenses) will be used in a manner consistent in all material respects with the capital deployment plan provided by the Company to the Investor prior to the execution of this Agreement.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;"><a name="z_Toc55380688"></a><a name="z_Toc56510584"></a><a name="z_Toc63867977"></a><font style="font-weight: bold;">3.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Regulatory Filing<font style="font-weight: bold;">s</font></u></font><font style="font-weight: normal;">.</font> The Company shall make all filings pursuant to any applicable state securities laws and Regulation D of the Securities Act that are required to be made in connection with
        the Closing.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655912"></a><a name="z_Toc55380689"></a><a name="z_Toc56510585"></a><a name="z_Toc63867978"></a><font style="font-weight: bold;">3.4</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Confidentiality</u></font><font style="font-weight: normal;">.</font> The Investor acknowledges that the information being provided to it in connection with the transactions contemplated hereby includes confidential information that has not been publicly disclosed and agrees to
        maintain the confidentiality of the information with the same degree of care that it uses to protect its own confidential information.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655913"></a><a name="z_Toc55380690"></a><a name="z_Toc56510586"></a><a name="z_Toc63867979"></a><font style="font-weight: bold;">3.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Publicity</u></font><font style="font-weight: normal;">.</font> The Company shall not publicly disclose the financial or other terms of the transactions contemplated hereby or the name of any Investor or any Affiliate or investment adviser of any Investor, or include the
        name of any Investor or any Affiliate or investment adviser of any Investor in any press release or filing with the SEC or the Nasdaq Stock Market and shall not use any names, trademarks, service marks or trade names of the Investor or its
        Affiliates in any form of advertising and publicity or public statements, without the prior written consent of such Investor, except (i) as required by federal securities law in connection with the filing of final transaction documents with the SEC
        or (ii) to the extent such disclosure is required by applicable law, at the request of the staff of the SEC or at the request of the Nasdaq Stock Market regulations, in which case the Company shall provide each such Investor with prior written
        notice of such disclosure and the form of such disclosure shall be subject to the approval of such Investor, such approval not to be unreasonably withheld or delayed.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;"><a name="z_Toc53655914"></a><a name="z_Toc55380691"></a><a name="z_Toc56510587"></a></font></div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">22</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">3.6</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Commercially Reasonable Efforts</u></font><font style="font-weight: normal;">.</font> Upon the terms and
        subject to the conditions herein provided, except as otherwise provided in this Agreement, each of the Parties hereto agrees to use its commercially reasonable efforts to take or cause to be taken all action, to do or cause to be done and to assist
        and cooperate with the other Party in doing all things necessary, proper or advisable under applicable Laws to consummate and make effective the transactions contemplated hereby, including but not limited to: (a) the satisfaction of the conditions
        precedent to the obligations of the Parties; (b) the obtaining of applicable Governmental Consents, and consents, waivers and approvals of any other third parties; (c) defending of any claim, action, suit, investigation or proceeding, whether
        judicial or administrative, challenging this Agreement or the performance of the obligations hereunder; and (d) the execution and delivery of such instruments, and the taking of such other actions as the other Party may reasonably request in order
        to carry out the intent of this Agreement.&#160; Notwithstanding the foregoing, under no circumstances will the Investor be required to disclose to the Company, the Company Subsidiaries or any third party any information the disclosure of which is
        prohibited by Law, nor shall it be required to agree to any restrictions, conditions or commitments imposed or otherwise required by any Government Entity that are determined by the Investor in its sole discretion to be unduly burdensome, other
        than customary passivity commitments, in order to consummate and make effective the transactions contemplated hereby.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655915"></a><a name="z_Toc55380692"></a><a name="z_Toc56510588"></a><a name="z_Toc63867981"></a><font style="font-weight: bold;">&#160;3.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Legend</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt; margin-left: 9pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Investor agrees that all certificates or other instruments representing the Shares subject to this Agreement shall bear legends substantially to the following
        effect, until such time as they are not required under Section 3.7(b)</div>
      <div>&#160;</div>
      <div style="text-align: justify; margin-right: 36pt; margin-left: 36pt;">&#8220;THE SHARES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR SECURITIES LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED,
        SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO IS IN EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR SUCH LAWS.&#8221;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt; margin-left: 9pt;"><a name="z_Ref54712182"></a>(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Upon request of the Investor, the Company shall promptly cause such legends to be removed from any certificate for any Shares to be so
        transferred if such Shares are being transferred pursuant to an exemption from the registration securities requirements of the Securities Act and applicable state Laws, subject to receipt by the Company of an opinion of counsel for the Investor
        reasonably satisfactory to the Company to the effect that such legend is no longer required under the Securities Act and applicable state Laws.&#160; The Investor acknowledges that the sale of the Shares provided for herein has not been registered under
        the Securities Act or under any state securities Laws and agrees that it shall not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other
        applicable securities Laws.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;"><a name="z_Toc53655916"></a><a name="z_Toc55380693"></a><a name="z_Toc56510589"></a></font></div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">23</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">3.8</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exchange Listing</u></font><font style="font-weight: bold;"><font style="font-weight: normal;">.</font> </font>The

        Company shall use its reasonable best efforts to cause the following to be approved for listing on the Nasdaq Stock Market as promptly as possible: the Shares.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655917"></a><a name="z_Toc55380694"></a><a name="z_Toc56510590"></a><a name="z_Toc63867983"></a><font style="font-weight: bold;">3.9</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorized





            Shares</u></font><font style="font-weight: normal;">.</font> The Company will at all times reserve, free of any preemptive or similar rights of stockholders of the Company, a number of unissued shares of Class A Common Stock, sufficient to
        convert automatically, in accordance with the terms of the certificate of incorporation of the Company, all of the shares of Class C Common Stock then outstanding.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655918"></a><a name="z_Toc55380695"></a><a name="z_Toc56510591"></a><a name="z_Toc63867984"></a><font style="font-weight: bold;">3.10</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Rule





            144 Reporting</u></font><font style="font-weight: normal;">.</font> With a view to making available to the Investor the benefits of certain rules and regulations of the SEC which may permit the sale of the Shares by the Investor without
        registration under the Securities Act upon compliance with the initial holding period and other applicable requirements of Rule 144 under the Securities Act, the Company agrees to use its reasonable best efforts to:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160; make and keep adequate current public information with respect to the Company available, as those terms are understood and defined in Rule 144(c)(1) or any similar or analogous rule
        promulgated under the Securities Act, at all times after the effective date of this Agreement;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; so long as the Investor owns any of the Shares, furnish to the Investor forthwith upon request: (A) a written statement by the Company as to its compliance with the reporting
        requirements of Rule 144 under the Securities Act, and of the Exchange Act; (B) a copy of the most recent annual or quarterly report of the Company; and (C) such other reports and documents as the Investor may reasonably request in availing itself
        of any rule or regulation of the SEC allowing it to sell any of the Shares without registration; and</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; to take such further action as the Investor may reasonably request, all to the extent required from time to time to enable the Investor to sell Shares without registration under the
        Securities Act.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655919"></a><a name="z_Toc55380696"></a><a name="z_Toc63867985"></a><font style="font-weight: bold;">3.11</font>&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Exchange Rights</u></font><font style="font-weight: normal;">.</font> The Investor shall have the right from time to time to exchange any of the shares of Class A Common Stock acquired by the Investor hereunder for Class C Common Stock in order to reduce its ownership of voting
        common stock to less than 4.99% of the then outstanding shares of Class A Common Stock. Any shares of Class C Common Stock received by the Investor or any Affiliate of the Investor pursuant to this <u>Section 3.11</u> shall not be convertible by
        the Investor into shares of Class A Common Stock or any other voting security of the Company, and any such shares shall be subject to the restrictions set forth in the provisions of the Company&#8217;s certificate of incorporation relating to the Class C
        Common Stock.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">24</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 4.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655920"></a><a name="z_Toc55380697"></a><a name="z_Toc56510592"></a><a name="z_Toc63867986"></a>TERMINATION</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655921"></a><a name="z_Toc55380698"></a><a name="z_Toc56510593"></a><a name="z_Toc63867987"></a><font style="font-weight: bold;">4.1</font>&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Terminatio<font style="font-weight: bold;">n</font></u></font><font style="font-weight: normal;">.</font> This Agreement may be terminated prior to the Closing:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by mutual written agreement of the Company and the Investor;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b) &#160; &#160;&#160;&#160;&#160; by either Party, upon written notice to the other Party in the event that the Closing does not occur on or before September 1, 2021; <u>provided</u>, <u>however</u>, that the right to
        terminate this Agreement pursuant to this Section 4.1(b) shall not be available to any Party whose failure to fulfill any obligation under this Agreement shall have been the cause of, or shall have resulted in, the failure of the Closing to occur
        on or prior to such date;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by either Party, upon written notice to the other Party, (i) in the event that Stockholder Approval is required under applicable Law or the rules and regulations of the Nasdaq Stock
        Market, but has not been obtained on or prior to the closing date of the Merger or (ii) the Authorized Shares Increase Approval has not been obtained on or prior to the closing date of the Merger; <u>provided</u>, <u>however</u>, that the right
        to terminate this Agreement pursuant to this Section 4.1(c) shall not be available to any Party whose failure to fulfill any obligation under this Agreement shall have been the proximate cause of the failure of the Closing to occur on or prior to
        such date;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by the Investor, upon written notice to the Company, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Company in this Agreement, or any
        such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(ii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date that
        would otherwise be the Closing Date in the absence of such breach or condition; provided that this Section 4.1(d) shall only apply if the Investor is not in material breach of any of the terms of this Agreement;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by the Company, upon written notice to the Investor, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Investor in this Agreement, or
        any such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(iii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the date
        that would otherwise be the Closing Date in absence of such breach or condition; provided that this Section 4.1(e) shall only apply if the Company is not in material breach of any of the terms of this Agreement; or</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160; by any Party, upon written notice to the other Party, in the event that any Governmental Entity shall have issued any order, decree or injunction or taken any other action restraining,
        enjoining or prohibiting any of the transactions contemplated by this Agreement, and such order, decree, injunction or other action shall have become final and non-appealable.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655922"></a><a name="z_Toc55380699"></a><a name="z_Toc56510594"></a><a name="z_Toc63867988"></a><font style="font-weight: bold;">4.2</font>&#160;&#160; &#160; &#160;&#160;&#160; <font style="font-weight: bold;"><u>Effects





            of Termination</u></font><font style="font-weight: normal;">.</font> In the event of any termination of this Agreement as provided in Section 4.1, this Agreement (other than Section 3.4, this Article 4 and Article 6 of this Agreement, which
        shall remain in full force and effect) shall forthwith become wholly void and of no further force and effect; provided, that nothing herein shall relieve any Party from liability for fraud or willful breach of this Agreement.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">25</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 5.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655923"></a><a name="z_Toc55380700"></a><a name="z_Toc56510595"></a><a name="z_Toc63867989"></a>INDEMNITY</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655924"></a><a name="z_Toc55380701"></a><a name="z_Toc56510596"></a><a name="z_Toc63867990"></a><font style="font-weight: bold;">5.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification





            by the Company</u><font style="font-weight: normal;">.</font></font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;After the Closing, and subject to Sections 5.1(b), 5.3 and 5.4, the Company shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Investor and its
        Affiliates, and their respective successors and assigns, officers, directors, partners, members and employees, as applicable, (the &#8220;<font style="font-weight: bold;"><u>Investor Indemnified Parties</u></font>&#8221;) against and from, and reimburse any of
        the Investor Indemnified Parties for, all Losses that any of the Investor Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach of any representation or warranty
        made by the Company in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by the Company to perform any of its covenants or agreements contained in this Agreement.&#160; Notwithstanding anything herein to the
        contrary, the obligations of the Company under this Section 5.1(a) shall not be applicable to or inure to the benefit of any transferee of the Common Stock sold pursuant to this Agreement who is not an Affiliate of the Investor.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless any of the Investor Indemnified Parties against, or
        reimburse any of the Investor Indemnified Parties for, any Losses pursuant to Section 5.1(a) (other than Losses arising out of the inaccuracy or breach of any Company Specified Representations) until the aggregate amount of the Investor Indemnified
        Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a) exceeds $100,000 (the &#8220;<font style="font-weight: bold;"><u>Threshold Amount</u></font>&#8221;), upon the
        occurrence of which the Company shall be obligated for all of the Investor Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a).&#160;
        Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless the Investor Indemnified Parties against, or reimburse the Investor Indemnified Parties for, any Losses pursuant to
        Section 5.1(a) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; For purposes of Section 5.1(a), in determining whether there has been a breach of a representation or warranty, the Parties hereto shall ignore any &#8220;materiality,&#8221; &#8220;Material Adverse
        Effect&#8221; or similar qualifications.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">26</font></div>
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      </div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">&#160;5.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification by the Investor</u><font style="font-weight: normal;">.</font></font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53184709"></a><a name="z_Toc53215208"></a></div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; After the Closing, and subject to Sections 5.2(b), 5.3 and 5.4, the Investor shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Company and its
        respective Affiliates and their respective successors and assigns, officers, directors, partners, members, employees, representatives and agents (collectively, the &#8220;<font style="font-weight: bold;"><u>Company Indemnified Parties</u></font>&#8221;)
        against and from, and reimburse any of the Company Indemnified Parties for, all Losses that the Company Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach of
        any representation or warranty made by the Investor in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by such Investor to perform any of its covenants or agreements contained in this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless any of the Company Indemnified Parties against, or
        reimburse any of the Company Indemnified Parties for any Losses pursuant to Section 5.2(a)(1) until the aggregate amount of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally determined to be otherwise
        entitled to indemnification under Section 5.2(a) exceeds the Threshold Amount, upon the occurrence of which the Investor shall be obligated for all of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally
        determined to be otherwise entitled to indemnification under Section 5.2(a)(1).&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless the Company Indemnified Parties
        against, or reimburse the Company Indemnified Parties for, any Losses pursuant to Section 5.2(a)(1) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1 hereof.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;For purposes of Section 5.2(a), in determining whether there has been a breach of a representation or warranty, the Parties shall ignore any &#8220;materiality&#8221; or similar qualifications.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655926"></a><a name="z_Toc55380703"></a><a name="z_Toc56510598"></a><a name="z_Toc63867992"></a><font style="font-weight: bold;">5.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Notification





            of Claims</u><font style="font-weight: normal;">.</font></font></div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160; &#160; &#160;&#160;&#160;&#160; Any Person that may be entitled to be indemnified under this Article 5 (the &#8220;<font style="font-weight: bold;"><u>Indemnified Party</u></font>&#8221;) shall promptly notify the party or
        parties liable for such indemnification (the &#8220;<font style="font-weight: bold;"><u>Indemnifying Party</u></font>&#8221;) in writing of any claim in respect of which indemnity may be sought hereunder, including any pending or threatened claim or demand by
        a third party that the Indemnified Party has determined has given or could reasonably give rise to a right of indemnification under this Agreement (including a pending or threatened claim or demand asserted by a third party against the Indemnified
        Party) (each, a &#8220;<font style="font-weight: bold;"><u>Third Party Claim</u></font>&#8221;), describing in reasonable detail the facts and circumstances with respect to the subject matter of such claim or demand; provided, however, that the failure to
        provide such notice shall not release the Indemnifying Party from any of its obligations under this Agreement except to the extent that the Indemnifying Party is materially prejudiced by such failure.&#160; The Parties agree that notices for claims in
        respect of a breach of a representation, warranty, covenant or agreement must be delivered prior to the expiration of any applicable survival period specified in Section 6.1 for such representation, warranty, covenant or agreement; provided, that
        if, prior to such applicable date, a Party hereto shall have notified the other Party hereto in accordance with the requirements of this Section 5.3(a) of a claim for indemnification under this Agreement (whether or not formal legal action shall
        have been commenced based upon such claim), such claim shall continue to be subject to indemnification in accordance with this Agreement notwithstanding the passing of such applicable date.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">27</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon receipt of a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) in respect of a Third Party Claim, the Indemnifying Party may, by notice to the
        Indemnified Party delivered within twenty (20) Business Days of the receipt of notice of such Third Party Claim, assume the defense and control of any Third Party Claim, with its own counsel reasonably acceptable to the Indemnified Party and at its
        own expense.&#160; The Indemnified Party shall have the right to employ counsel on its own behalf for, and otherwise participate in the defense of, any such Third Party Claim, but the fees and expenses of its counsel will be at its own expense unless
        (A) the employment of counsel by the Indemnified Party at the Indemnifying Party&#8217;s expense has been authorized in writing by the Indemnifying Party, (B) the Indemnified Party reasonably believes there may be a conflict of interest between the
        Indemnified Party and the Indemnifying Party in the conduct of the defense of such Third Party Claim, (C) the Indemnified Party reasonably believes there are legal defenses available to it that are different from, additional to or inconsistent with
        those available to the Indemnifying Party, or (D) the Indemnifying Party has not in fact employed counsel to assume the defense of such Third Party Claim within a reasonable time after receipt of notice of the commencement of such Third Party
        Claim, in each of which cases the fees and expenses of such Indemnified Party&#8217;s counsel shall be at the expense of the Indemnifying Party; provided, however, that in the event that the Company is required to assume the fees and expenses of such
        Investor Indemnified Party&#8217;s counsel in accordance with the foregoing and such Investor Indemnified Party is similarly situated with any other &#8220;Investor Indemnified Party&#8221; under any of the other stock purchase agreements with respect to any Third
        Party Claim, and does not have any conflict of interest with such Person in the conduct of the defense of such Third Party Claim or have legal defenses available to it that are different from, additional to or inconsistent with those available to
        such Person, such Investor Indemnified Party shall be required to employ the same counsel as such Person and the Company shall be responsible for the fees and expenses of only one such counsel for such Investor Indemnified Party and such other
        Person or Persons (assuming any of clauses (A) through (D) above is satisfied).&#160; The Indemnified Party may take any actions reasonably necessary to defend such Third Party Claim prior to the time that it receives a notice from the Indemnifying
        Party as contemplated by the immediately preceding sentence.&#160; The Indemnified Party shall, and shall cause each of its Affiliates and representatives to, use reasonable best efforts to cooperate with the Indemnifying Party in the defense of any
        Third Party Claim.&#160; The Indemnifying Party shall not, without the prior written consent of the Indemnified Party (which shall not be unreasonably withheld or delayed), consent to a settlement, compromise or discharge of, or the entry of any
        judgment arising from, any Third Party Claim, unless such settlement, compromise, discharge or entry of any judgment does not involve any statement, finding or admission of any fault, culpability, failure to act, violation of Law or admission of
        any wrongdoing by or on behalf of the Indemnified Party, and the Indemnifying Party shall (i) pay or cause to be paid all amounts arising out of such settlement or judgment concurrently with the effectiveness of such settlement or judgment (unless
        otherwise provided in such judgment), (ii) not encumber any of the assets of any Indemnified Party or agree to any restriction or condition that would apply to or materially adversely affect any Indemnified Party or the conduct of any Indemnified
        Party&#8217;s business and (iii) obtain, as a condition of any settlement, compromise, discharge, entry of judgment (if applicable), or other resolution, a complete and unconditional release of each Indemnified Party in form and substance reasonably
        satisfactory to such Indemnified Party from any and all liabilities in respect of such Third Party Claim.&#160; An Indemnified Party shall not settle, compromise or consent to the entry of any judgment with respect to any claim or demand for which it is
        seeking indemnification from the Indemnifying Party or admit to any liability with respect to such claim or demand without the prior written consent of the Indemnifying Party (which consent shall not be unreasonably withheld or delayed); provided,
        that such consent shall not be required if the Indemnifying Party has not fulfilled any material obligations under this Section 5.3(b).</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">28</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; In the event any Indemnifying Party receives a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) that does not involve a Third Party Claim, the
        Indemnifying Party shall notify the Indemnified Party within twenty (20) Business Days following its receipt of such notice whether the Indemnifying Party disputes its liability to the Indemnified Party under this Agreement.&#160; The Indemnified Party
        shall reasonably cooperate with and assist the Indemnifying Party in determining the validity of any such claim for indemnity by the Indemnified Party.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655927"></a><a name="z_Toc55380704"></a><a name="z_Toc56510599"></a><a name="z_Toc63867993"></a><font style="font-weight: bold;">5.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification





            Paymen<font style="font-weight: bold;">t</font></u></font><font style="font-weight: normal;">.</font> In the event a claim or any Action for indemnification hereunder has been finally determined, the amount of such final determination shall be
        paid by the Indemnifying Party to the Indemnified Party on demand in immediately available funds.&#160; A claim or an Action, and the liability for and amount of damages therefor, shall be deemed to be &#8220;<u>finally determined</u>&#8221; for purposes of this
        Agreement when the Parties have so determined by mutual agreement or, if disputed, when a final non-appealable judicial order has been entered into with respect to such claim or Action.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655928"></a><a name="z_Toc55380705"></a><a name="z_Toc56510600"></a><a name="z_Toc63867994"></a><font style="font-weight: bold;">5.5</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exclusive





            Remedie<font style="font-weight: bold;">s</font></u></font><font style="font-weight: normal;">.</font> Subject to Section 6.14, each Party acknowledges and agrees that following the Closing, the indemnification provisions hereunder shall be the
        sole and exclusive remedies of the Parties for any breach of the representations, warranties or covenants contained in this Agreement.&#160; No investigation of the Company by the Investor, or of the Investor by the Company, whether prior to or after
        the date of this Agreement, shall limit any Indemnified Party&#8217;s exercise of any right hereunder or be deemed to be a waiver of any such right.&#160; The Parties agree that any indemnification payment made pursuant to this Agreement shall be treated as
        an adjustment to the Purchase Price for Tax purposes, unless otherwise required by Law.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;">ARTICLE 6.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655929"></a><a name="z_Toc55380706"></a><a name="z_Toc56510601"></a><a name="z_Toc63867995"></a>MISCELLANEOUS</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655930"></a><a name="z_Toc55380707"></a><a name="z_Toc56510602"></a><a name="z_Toc63867996"></a><font style="font-weight: bold;">6.1</font>&#160;&#160; &#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Survival</u></font><font style="font-weight: bold;"><font style="font-weight: normal;">.</font> </font>The representations and warranties of the Parties contained in this Agreement shall survive in full force and effect until the date that is fifteen (15) months after
        the Closing Date (or until final resolution of any claim or action arising from the breach of any such representation and warranty, if notice of such breach was provided prior to the end of such period), at which time they shall terminate and no
        claims shall be made for indemnification under Section 5.1 or Section 5.2, as applicable, for breaches of representations or warranties thereafter, except the Company Specified Representations (other than the representations and warranties made in
        Section 2.2(v), which shall survive until the expiration of the applicable statute of limitations) and the Investor Specified Representations shall survive the Closing indefinitely.&#160; The covenants and agreements set forth in this Agreement shall
        survive until the expiration of any applicable statute of limitations or until performed or no longer operative in accordance with their respective terms.&#160; Notwithstanding the foregoing, the Company Specified Representations shall survive for the
        period of the applicable statute of limitations.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;"><a name="z_Toc53655931"></a><a name="z_Toc55380708"></a><a name="z_Toc56510603"></a></font></div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">29</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">6.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Other Definitions</u></font><font style="font-weight: bold;"><font style="font-weight: normal;">.</font> </font>Wherever

        required by the context of this Agreement, the singular shall include the plural and vice versa, and the masculine gender shall include the feminine and neuter genders and vice versa, and references to any agreement, document or instrument shall be
        deemed to refer to such agreement, document or instrument as amended, supplemented or modified from time to time.&#160; In addition, the following terms shall have the meanings assigned to them below:</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Affiliate</u></font>&#8221; means, with respect to any Person, any Person directly or indirectly controlling, controlled by or under common
        control with, such other Person provided that no security holder of the Company shall be deemed to be an Affiliate of any other security holder or of the Company or any of the Company Subsidiaries solely by reason of any investment in the Company
        and, for purposes of this definition, &#8220;<font style="font-weight: bold;"><u>control</u></font>&#8221; (including, with correlative meanings, the terms &#8220;<font style="font-weight: bold;"><u>controlling</u></font>&#8221;, &#8220;<font style="font-weight: bold;"><u>controlled
            by</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>under common control with</u></font>&#8221;) when used with respect to any Person, means the possession, directly or indirectly, of the power to cause the direction of management or policies of
        such Person, whether through the ownership of voting securities, by contract or otherwise;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Agency</u></font>&#8221; means the Federal Housing Administration, the Federal Home Loan Mortgage Corporation, the Farmers Home Administration (now
        known as Rural Housing and Community Development Services), the Federal National Mortgage Association, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of Agriculture or any other federal or state
        agency with authority to (i) determine any investment, origination, lending or servicing requirements with regard to mortgage loans originated, purchased or serviced by the Company or (ii) originate, purchase, or service mortgage loans, or
        otherwise promote mortgage lending, including state and local housing finance authorities;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; the term &#8220;<font style="font-weight: bold;"><u>Board of Directors</u></font>&#8221; means the Board of Directors of the Company;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Business Day</u></font>&#8221; means any day except Saturday, Sunday and any day which shall be a legal holiday or a day on which banking
        institutions in the State of New York or in the State of California generally are authorized or required by Law or other governmental actions to close;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Capital Stock</u></font>&#8221; means the capital stock or other applicable type of equity interest in a Person;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Code</u></font>&#8221; means the Internal Revenue Code of 1986, as amended;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Company Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.2(a), <u>Section 2.2(b)</u>,
        Section 2.2(c), Section 2.2(d), Section 2.2(x), Section 2.2(z) and Section 2.2(hh);</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">30</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Disclosure Schedule</u></font>&#8221; shall mean a schedule delivered, on or prior to the date of this Agreement, by (i) the Investor to the
        Company and (ii) the Company to the Investor setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express disclosure requirement contained in a provision hereof or as an exception to
        one or more representations or warranties contained in Section 2.2 with respect to the Company, or in Section 2.3 with respect to the Investor, or to one or more covenants contained in Article 3;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>GAAP</u></font>&#8221; means United States generally accepted accounting principles and practices as in effect from time to time;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Governmental Consent</u></font>&#8221; means any notice to, registration, qualification, designation, declaration or filing with, exemption or
        review by, or authorization, order, consent or approval of, any Governmental Entity, or the expiration or termination of any statutory waiting periods;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Governmental Entity</u></font>&#8221; means any court, administrative agency or commission or other governmental authority or instrumentality,
        whether federal, state, local or foreign, and any applicable industry self-regulatory organization or securities exchange;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Insurer</u></font>&#8221; means a Person who insures or guarantees for the benefit of the mortgagee all or any portion of the risk of loss upon
        borrower default on any of the mortgage loans originated, purchased or serviced by the Bank, including the Federal Housing Administration, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of
        Agriculture and any private mortgage insurer, and providers of hazard, title or other insurance with respect to such mortgage loans or the related collateral;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Investor Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.3(b)(i), Section 2.3(d) and Section
        2.3(f);</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Knowledge</u></font>&#8221; of the Company and words of similar import mean the knowledge of any directors or executive officers of the Company
        listed on the Disclosure Schedule hereto;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160; &#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Loan Investor</u></font>&#8221; means any Person (including an Agency) having a beneficial interest in any mortgage loan originated, purchased or
        serviced by the Bank or a security backed by or representing an interest in any such mortgage loan;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Losses</u></font>&#8221; means any and all losses, damages, reasonable costs, reasonable expenses (including reasonable attorneys&#8217; fees and
        disbursements), liabilities, settlement payments, awards, judgments, fines, obligations, claims, and deficiencies of any kind, excluding special, consequential, exemplary and punitive damages;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Person</u></font>&#8221; means any individual, firm, corporation, partnership, trust, incorporated or unincorporated association, joint venture,
        joint stock company, limited liability company, Governmental Entity or other entity of any kind, and shall include any successor (by merger or otherwise) of such entity;</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">31</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Subsidiary</u></font>&#8221; means, with respect to any Person, any corporation, partnership, joint venture, limited liability company or other
        entity (x) of which such Person or a Subsidiary of such Person is a general partner or (y) of which a majority of the voting securities or other voting interests, or a majority of the securities or other interests of which having by their terms
        ordinary voting power to elect a majority of the board of directors or persons performing similar functions with respect to such entity, is directly or indirectly owned by such Person and/or one or more Subsidiaries thereof;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160; &#160; &#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Tax</u></font>&#8221; or &#8220;<font style="font-weight: bold;"><u>Taxes</u></font>&#8221; means all United States federal, state, local or foreign income,
        profits, estimated, gross receipts, windfall profits, severance, property, intangible property, occupation, production, sales, use, license, excise, emergency excise, franchise, capital gains, capital stock, employment, withholding, transfer,
        stamp, payroll, goods and services, value added, alternative or add-on minimum tax, or any other tax, custom, duty or governmental fee, or other like assessment or charge of any kind whatsoever, together with any interest, penalties, fines, related
        liabilities or additions to tax that may become payable in respect thereof imposed by any Governmental Entity, whether or not disputed;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Tax Return</u></font>&#8221; means any return, declaration, report or similar statement required to be filed with respect to any Taxes
        (including any attached schedules), including, without limitation, any information return, claim or refund, amended return and declaration of estimated Tax;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(u)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Voting Securities</u></font>&#8221; means at any time shares of any class of Capital Stock of the Company, including but not limited to Voting
        Common Stock (or, after giving effect to the Merger Transactions, Class A Common Stock), and Voting Debt that are then entitled to vote generally in the election of directors;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; the word &#8220;<font style="font-weight: bold;"><u>or</u></font>&#8221; is not exclusive;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the words &#8220;<font style="font-weight: bold;"><u>including</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>includes</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>included</u></font>&#8221;
        and &#8220;<font style="font-weight: bold;"><u>include</u></font>&#8221; are deemed to be followed by the words &#8220;without limitation&#8221;;</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the terms &#8220;<font style="font-weight: bold;"><u>herein</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>hereof</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>hereunder</u></font>&#8221;
        and other words of similar import refer to this Agreement as a whole and not to any particular section, paragraph or subdivision; and</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160; &#160; all article, section, paragraph or clause references not attributed to a particular document shall be references to such parts of this Agreement, and all exhibit and schedule references
        not attributed to a particular document shall be references to such exhibits and schedules to this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655932"></a><a name="z_Toc55380709"></a><a name="z_Toc56510604"></a><a name="z_Toc63867998"></a><font style="font-weight: bold;">6.3</font>&#160;&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Amendment





            and Waivers</u></font><font style="font-weight: normal;">.</font>&#160; The conditions to each Party&#8217;s obligation to consummate the Closing are for the sole benefit of such Party and may be waived by such Party in whole or in part to the extent
        permitted by Law.&#160; No amendment or waiver of any provision of this Agreement will be effective against any Party unless it is in a writing signed by a duly authorized officer of such Party.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">32</font></div>
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655933"></a><a name="z_Toc55380710"></a><font style="font-weight: bold;"> 6.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Counterparts and Facsimil<font style="font-weight: bold;">e</font></u></font><font style="font-weight: normal;">.</font> For the convenience of the Parties, this Agreement may be executed in any number of separate counterparts, each such counterpart being deemed to be an original instrument,
        and all such counterparts will together constitute the same agreement.&#160; Executed signature pages to this Agreement may be delivered by facsimile and such facsimiles shall be deemed as sufficient as if manually signed signature pages had been
        delivered.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655934"></a><a name="z_Toc55380711"></a><a name="z_Toc56510606"></a><a name="z_Toc63868000"></a><font style="font-weight: bold;">6.5</font>&#160;&#160; &#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Governing





            Law</u></font><font style="font-weight: normal;">.</font> This Agreement will be governed by and construed in accordance with the Laws of the State of California applicable to contracts made and to be performed entirely within such State.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655935"></a><a name="z_Toc55380712"></a><a name="z_Toc56510607"></a><a name="z_Toc63868001"></a><font style="font-weight: bold;">6.6</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>WAIVER

            OF JURY TRIAL</u></font><font style="font-weight: normal;">.</font> TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVESTOR HEREBY IRREVOCABLY WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY
        RELATING TO THIS AGREEMENT, THE TRANSACTIONS CONTEMPLATED HEREBY WHETHER BASED ON CONTRACT, EQUITY, TORT OR ANY OTHER THEORY.&#160; THIS WAIVER OF RIGHT TO TRIAL BY JURY IS GIVEN BY INVESTOR, KNOWINGLY AND VOLUNTARILY WITH THE BENEFIT OF COMPETENT LEGAL
        COUNSEL.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655936"></a><a name="z_Toc55380713"></a><a name="z_Toc56510608"></a><a name="z_Toc63868002"></a><font style="font-weight: bold;">6.7</font>&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-weight: bold;"><u>Notic<font style="font-weight: bold;">es</font></u></font><font style="font-weight: normal;">.</font> Any notice, request, instruction or other document to be given hereunder by any Party to the other will be in writing and will be deemed to have been
        duly given (a) on the date of delivery if delivered personally or by telecopy or facsimile, upon confirmation of receipt, (b) on the first Business Day following the date of dispatch if delivered by a recognized next-day courier service, or (c) on
        the third Business Day following the date of mailing if delivered by registered or certified mail, return receipt requested, postage prepaid, provided that any such notice, request, instruction or other document to be given hereunder shall not be
        deemed to have been duly given unless and until it is sent via electronic mail to the recipient thereof.&#160; All notices hereunder shall be delivered as set forth below, or pursuant to such other instructions as may be designated in writing by the
        Party to receive such notice.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; If to the Investor, to the address set forth on the Investor&#8217;s signature page to this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160; &#160; &#160; If to the Company:</div>
      <div>&#160;</div>
      <div style="margin-left: 108pt;"><a name="z_Hlk56512958"></a>Broadway Financial Corporation</div>
      <div style="margin-left: 108pt;">5055 Wilshire Boulevard, Suite 500</div>
      <div style="margin-left: 108pt;">Los Angeles, California 90036</div>
      <div style="margin-left: 108pt;">Attn: Brenda Battey,</div>
      <div style="margin-left: 108pt;">Chief Financial Officer</div>
      <div style="margin-left: 108pt;">Email: bbattey@broadwayfederalbank.com</div>
      <div style="margin-left: 108pt;">&#160;</div>
      <div style="margin-left: 108pt;">with a copy (which copy shall not constitute notice) to:</div>
      <div style="margin-left: 108pt;">&#160;</div>
      <div style="margin-left: 108pt;">Arnold &amp; Porter LLP</div>
      <div style="margin-left: 108pt;">777 South Figueroa Street,</div>
      <div style="margin-left: 108pt;">44th Floor</div>
      <div style="margin-left: 108pt;">Los Angeles, California 90017</div>
      <div style="margin-left: 108pt;">Attn: James R. Walther, Esq.</div>
      <div style="margin-left: 108pt;">Fax: (213) 243-4199</div>
      <div style="margin-left: 108pt;">Email: James.Walther@arnoldporter.com</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;"><a name="z_Toc53655937"></a><a name="z_Toc55380714"></a><a name="z_Toc56510609"></a></font></div>
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          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;">6.8</font>&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Entire Agreeme<font style="font-weight: bold;">nt</font></u></font><font style="font-weight: normal;">.</font>
        This Agreement constitutes the entire agreement, and supersede all other prior agreements, understandings, representations and warranties, inducements or conditions, both written and oral, among the Parties, with respect to the subject matter
        hereof and thereof.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655938"></a><a name="z_Toc55380715"></a><a name="z_Toc56510610"></a><a name="z_Toc63868004"></a><font style="font-weight: bold;">6.9</font> &#160;&#160; &#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Successors





            and Assign<font style="font-weight: bold;">s</font></u></font><font style="font-weight: normal;">.</font> This Agreement shall be binding upon and inure to the benefit of the Parties and their respective successors and assigns, including any
        purchasers of the Common Stock to be issued pursuant to this Agreement.&#160; The Company shall not assign this Agreement or any rights or obligations hereunder without the prior written consent of the Investor.&#160; The Investor may assign some or all of
        its rights hereunder or thereunder without the consent of the Company to any Affiliate of the Investor, and such assignee shall be deemed to be an Investor hereunder with respect to such assigned rights and shall be bound by the terms and
        conditions of this Agreement that apply to the Investor.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655939"></a><a name="z_Toc55380716"></a><a name="z_Toc56510611"></a><a name="z_Toc63868005"></a><font style="font-weight: bold;">6.10</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Caption<font style="font-weight: bold;">s</font></u></font><font style="font-weight: bold;"><font style="font-weight: normal;">.</font> </font>The article, section, paragraph and clause captions herein are for convenience of reference only, do not
        constitute part of this Agreement and will not be deemed to limit or otherwise affect any of the provisions hereof.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655940"></a><a name="z_Toc55380717"></a><a name="z_Toc56510612"></a><a name="z_Toc63868006"></a><font style="font-weight: bold;">6.11</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Severabilit<font style="font-weight: bold;">y</font></u></font><font style="font-weight: bold;">.</font> If any provision of this Agreement or the application thereof to any Person or circumstance is determined by a court of competent jurisdiction to be
        invalid, void or unenforceable, the remaining provisions hereof, or the application of such provision to Persons or circumstances other than those as to which it has been held invalid or unenforceable, will remain in full force and effect and shall
        in no way be affected, impaired or invalidated thereby, so long as the economic or legal substance of the transactions contemplated hereby is not affected in any manner materially adverse to any party.&#160; Upon such determination, the Parties shall
        negotiate in good faith in an effort to agree upon a suitable and equitable substitute provision to effect the original intent of the Parties.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655941"></a><a name="z_Toc55380718"></a><a name="z_Toc56510613"></a><a name="z_Toc63868007"></a><font style="font-weight: bold;">6.12</font>&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>Third

            Party Beneficiarie<font style="font-weight: bold;">s</font></u></font><font style="font-weight: normal;">.</font> Nothing contained in this Agreement, expressed or implied, is intended to confer upon any Person other than the Parties, any
        benefit right or remedies, except that the Placement Agents may rely on the representations and warranties contained herein to the same extent as if they were party to this Agreement and the provisions of Sections 5.1 and 5.2 shall inure to the
        benefit of the Persons referred to in such Sections.</div>
      <div>&#160;</div>
      <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655942"></a><a name="z_Toc55380719"></a><a name="z_Toc56510614"></a><a name="z_Toc63868008"></a><font style="font-weight: bold;">6.13</font>&#160; &#160;&#160; <font style="font-weight: bold;"><u>Public





            Announcemen<font style="font-weight: bold;">ts</font></u></font><font style="font-weight: normal;">.</font> The Investor will not make (and will use its reasonable best efforts to ensure that its Affiliates and representatives do not make) any
        news release or public disclosure with respect to this Agreement and any of the transactions contemplated hereby, without first consulting with the Company and, in each case, also receiving the Company&#8217;s consent (which shall not be unreasonably
        withheld, conditioned or delayed).</div>
      <div style="text-align: justify; text-indent: 72pt;"> <br>
      </div>
      <div style="text-align: justify; text-indent: 72pt;"><font style="font-weight: bold;"><a name="z_Toc53655943"></a><a name="z_Toc55380720"></a><a name="z_Toc56510615"></a><a name="z_Toc63868009"></a></font></div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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      <div style="text-indent: 72pt;"><font style="font-weight: bold;">6.14</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Specific Performanc<font style="font-weight: bold;">e</font></u></font><font style="font-weight: normal;">.</font> The Parties
        agree that irreparable damage would occur in the event that any of the provisions of this Agreement were not performed in accordance with their specific terms.&#160; It is accordingly agreed that the Parties shall be entitled to seek specific
        performance of the terms hereof, this being in addition to any other remedies to which they are entitled at law or equity.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;"><a name="z_Toc53655944"></a><a name="z_Toc55380721"></a><a name="z_Toc56510616"></a><a name="z_Toc63868010"></a><font style="font-weight: bold;">6.15</font>&#160; &#160; &#160;&#160; <font style="font-weight: bold;"><u>No Recourse to
            Other Person<font style="font-weight: bold;">s</font></u></font><font style="font-weight: normal;">.</font> This Agreement may only be enforced against the named Parties.&#160; All claims or causes of action that may be based upon, arise out of or
        relate to this Agreement, or the negotiation, execution or performance of this Agreement may be made only against the entities that are expressly identified as Parties or that are subject to the terms hereof, and no past, present or future
        director, officer, employee, incorporator, member, manager, partner, stockholder, Affiliate, agent, attorney or representative of any Party (including any person negotiating or executing this Agreement on behalf of a Party) shall have any liability
        or obligation with respect to this Agreement or with respect to any claim or cause of action, whether in tort, contract or otherwise, that may arise out of or relate to this Agreement, or the negotiation, execution or performance of this Agreement
        and the transactions contemplated hereby.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-style: italic;">[<font style="font-weight: bold;">signature page follows</font>]</div>
      <div><br>
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      <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">IN WITNESS WHEREOF</font><font style="font-size: 10pt;">, the Parties have caused this Agreement to be duly executed by their
          respective authorized officers as of the day and year first above written.</font></div>
      <div><br>
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          <tr>
            <td colspan="4" rowspan="1" style="width: 3%; vertical-align: top; font-weight: bold;">BROADWAY FINANCIAL CORPORATION</td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 22%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
              <div>By:</div>
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            <td style="width: 5%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 22%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 70%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
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            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div>Name:</div>
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              <div>Wayne-Kent A. Bradshaw</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div>Title:</div>
            </td>
            <td colspan="2" style="vertical-align: top;">
              <div>President and Chief Executive Officer</div>
            </td>
          </tr>

      </table>
      <div>
        <div style="text-align: center;"> <br>
        </div>
        <div style="text-align: center;">[Stock Purchase Agreement]</div>
        <div style="text-align: center;"> <br>
        </div>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="3" style="vertical-align: top;">
              <div style="font-weight: bold;">TEXAS CAPITAL COMMUNITY</div>
              <div style="font-weight: bold;">DEVELOPMENT CORPORATION</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 25%; vertical-align: top;">&#160;</td>
            <td style="width: 22%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
              <div>By:</div>
            </td>
            <td style="width: 25%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 22%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 25%; vertical-align: top;">
              <div>Name:</div>
            </td>
            <td style="width: 22%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 25%; vertical-align: top;">
              <div>Title:</div>
            </td>
            <td style="width: 22%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 25%; vertical-align: top;">&#160;</td>
            <td style="width: 22%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="2" rowspan="1" style="vertical-align: top;">
              <div>Address for notices:</div>
            </td>
            <td style="width: 22%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="2" rowspan="1" style="vertical-align: top;">&#160;&#160;</td>
            <td style="width: 22%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td colspan="2" rowspan="1" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;&#160;</td>
            <td style="width: 22%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td colspan="2" rowspan="1" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;&#160;</td>
            <td style="width: 22%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td colspan="2" rowspan="1" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;&#160;</td>
            <td style="width: 22%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td colspan="2" rowspan="1" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;&#160;</td>
            <td style="width: 22%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>

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      <div><br>
      </div>
      <div>
        <div style="text-align: center;">[Stock Purchase Agreement]</div>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="font-size: 8pt;">
        <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.32
<SEQUENCE>12
<FILENAME>brhc10022486_ex10-32.htm
<DESCRIPTION>EXHIBIT 10.32
<TEXT>
<html>
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    <title></title>
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<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <div>
      <div>
        <div style="text-align: right; font-weight: bold;">
          <div style="font-weight: bold;"><u>STRICTLY CONFIDENTIAL</u></div>
          <div style="font-weight: bold;">Execution Version</div>
        </div>
        <div style="text-align: right; font-weight: bold;">
          <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">Exhibit 10.32<u><br>
          </u></div>
        <div style="text-align: right; font-weight: bold;"><u> <br>
          </u></div>
        <div style="text-align: center;">STOCK PURCHASE AGREEMENT</div>
        <div><br>
        </div>
        <div style="text-align: center;">BY AND BETWEEN</div>
        <div><br>
        </div>
        <div style="text-align: center;">BROADWAY FINANCIAL CORPORATION</div>
        <div><br>
        </div>
        <div style="text-align: center;">AND</div>
        <div><br>
        </div>
        <div style="text-align: center;">J.P. MORGAN CHASE COMMUNITY DEVELOPMENT CORPORATION</div>
        <div><br>
        </div>
        <div style="text-align: center;">February 20, 2021</div>
        <div style="text-align: center;"> <br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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        <div style="text-align: center; font-weight: bold;"><u>TABLE OF CONTENTS</u></div>
        <div style="text-align: center;"> <br>
        </div>
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              <td colspan="3" style="vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;"><u>Page</u></div>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 1.</font><font style="font-size: 10pt;"> PURCHASE&#894; CLOSING</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">1.1</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Issuance, Sale and Purchase</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">1.2</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Closing; Deliverables for the Closing; Conditions to the Closing</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 2.</font><font style="font-size: 10pt;"> REPRESENTATIONS AND WARRANTIES</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.1</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Certain Terms</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.2</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Representations and Warranties of the Company</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">2.3</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Representations and Warranties of the Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">21</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 3.</font><font style="font-size: 10pt;"> COVENANTS</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.1</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Conduct of Business Prior to Closing</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.2</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Use of Proceeds</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.3</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Regulatory Filings</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.4</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Confidentiality</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">23</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.5</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Publicity</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.6</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Commercially Reasonable Efforts</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.7</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">Legend</font><font style="font-size: 10pt;">.</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">24</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.8</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Exchange Listing</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.9</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Authorized Shares</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.10</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Rule 144 Reporting</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">25</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">3.11</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Automatic Conversion</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 4.</font><font style="font-size: 10pt;"> TERMINATION</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">4.1</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Termination</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">4.2</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Effects of Termination</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 5.</font><font style="font-size: 10pt;"> INDEMNITY</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.1</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification by the Company</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.2</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification by the Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">28</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.3</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Notification of Claims</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.4</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Indemnification Payment</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">5.5</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Exclusive Remedies</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td colspan="3" style="vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">ARTICLE 6.</font><font style="font-size: 10pt;"> MISCELLANEOUS</font></div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.1</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Survival</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.2</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>

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        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">i</font></div>
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            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.3</div>
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              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
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            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
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            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.4</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Counterparts and Facsimile</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
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            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.5</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.6</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">35</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.7</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Notices</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">35</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.8</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Entire Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">36</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.9</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Successors and Assigns</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">36</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.10</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Captions</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">36</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.11</div>
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              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Severability</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">36</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.12</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Third Party Beneficiaries</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">37</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.13</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Public Announcements</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">37</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.14</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">Specific Performance</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">37</div>
              </td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
              <td style="width: 87%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">6.15</div>
              </td>
              <td style="width: 87%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="font-weight: bold;">No Recourse to Other Persons</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">37</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-align: center; font-weight: bold;"><u>INDEX OF DEFINED TERMS</u></div>
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            <tr>
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              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
            </tr>
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                <div>Action</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Affiliate</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Agency</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Anti-Corruption Laws</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">14</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Authorized Shares Increase Approval</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Bank Merger</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Benefit Plans</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
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            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Board of Directors</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Business Day</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Capital Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>CDFI</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
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                <div>CFB</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>CFB Sub</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Class A Common Stock</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Class B Common Stock</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
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            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Class C Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Closing</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Closing Date</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Code</div>
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              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Common Stock</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>

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        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">ii</font></div>
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            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z4a5828bf96b24471b3ac6e72f43c4573">

            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Employees</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Financial Statements</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">10</div>
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            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Indemnified Parties</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">28</div>
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            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Insurance Policies</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company IT Assets</div>
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              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">11</div>
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            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Reports</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">10</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Specified Representations</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Stock Plan</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">8<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Company Subsidiaries</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Company Subsidiary</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Concurrent Other Transactions</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>control</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>controlled by</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>controlling</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Disclosure Schedule</div>
              </td>
              <td style="width: 5%; vertical-align: top; text-align: right;">32</td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Disqualification Event</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">19</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>ERISA</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>ERISA Affiliate</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">17</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Exchange Act</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">10</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>FDIC</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Federal Reserve</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>GAAP</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255); text-align: right;">32</td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Governmental Authorizations</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">14</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Governmental Consent</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255); text-align: right;">32</td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Governmental Entity</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Indemnified Party</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Indemnifying Party</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Insider</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">20</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Insurer</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Intellectual Property Rights</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Investment</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Investor Indemnified Parties</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Investor Specified Representations</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Investor&#8217;s Rights Letter Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Knowledge</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Law</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">14</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Liens</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Loan Investor</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Losses</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Material Adverse Effect</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Merger</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Merger Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Merger Transactions</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">iii</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zaa8a5eef8ac04d6eb8dd31e920b0d045">

            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Multiemployer Plan</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">17</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Non-Voting Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>OFAC</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">13</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Parties</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Per Share Purchase Price</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Person</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Personal Information</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">12</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Placement Agents</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Preferred Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Previously Disclosed</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Privacy Laws</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">12</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Purchase Price</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Registration Statement</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">21</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Rule 506</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">19</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Sanctioned Country</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Sanctioned Person</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Sanctions Laws</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">13</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>SEC</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">6</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Securities Act</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">8</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Shares</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Stockholder Approval</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Subsidiary</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Surviving Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Tax</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Tax Return</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Taxes</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">34</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Third Party Claim</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">29</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Threshold Amount</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">28</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Transaction Agreements</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>under common control with</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Voting Common Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top;">
                <div>Voting Debt</div>
              </td>
              <td style="width: 5%; vertical-align: top;">
                <div style="text-align: right;">8</div>
              </td>
            </tr>
            <tr>
              <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div>Voting Securities</div>
              </td>
              <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
                <div style="text-align: right;">34</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">iv</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;"><u>STOCK PURCHASE AGREEMENT</u></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">THIS STOCK PURCHASE AGREEMENT </font><font style="font-size: 10pt;">(as amended, supplemented or otherwise modified from time
            to time, this &#8220;<font style="font-weight: bold;"><u>Agreement</u></font>&#8221;) is dated as of February 20, 2021, and is entered into by and among Broadway Financial Corporation, a Delaware corporation (the &#8220;<font style="font-weight: bold;"><u>Company</u></font>&#8221;),

            and J.P. Morgan Chase Community Development Corporation, a Delaware Corporation (the &#8220;<font style="font-weight: bold;"><u>Investor</u></font>&#8221;, and together with the Company, the &#8220;<font style="font-weight: bold;"><u>Parties</u></font>&#8221;)</font></div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><u>RECITALS</u></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><a name="z_Hlk53516059"></a><font style="font-weight: bold;">WHEREAS</font>, the Company is a party to that certain Agreement and Plan of Merger (the &#8220;<font style="font-weight: bold;"><u>Merger
              Agreement</u></font>&#8221;) with CFBanc Corporation, a District of Columbia public benefit corporation (&#8220;<font style="font-weight: bold;"><u>CFB</u></font>&#8221;), which provides, among other things and subject to the terms and conditions of the Merger
          Agreement, for (i) the merger of CFB with and into the Company, with the Company continuing as the surviving entity in the Merger (the &#8220;<font style="font-weight: bold;"><u>Merger</u></font>&#8221;), (ii) <font style="color: rgb(38, 38, 38);">immediately

            following the </font>Merger<font style="color: rgb(38, 38, 38);">, Broadway Federal Bank, </font>f.s.b.<font style="color: rgb(38, 38, 38);">, a wholly owned </font>subsidiary <font style="color: rgb(38, 38, 38);">of the </font>Company
          (the &#8220;<font style="font-weight: bold;"><u>Bank</u></font>&#8221;)<font style="color: rgb(38, 38, 38);">, will merge with and into City First Bank of D.C., National Association (&#8220;</font><font style="font-weight: bold;"><u>CFB Sub</u></font><font style="color: rgb(38, 38, 38);">&#8221;), a wholly owned </font>subsidiary <font style="color: rgb(38, 38, 38);">of </font>CFB <font style="color: rgb(38, 38, 38);">(the &#8220;</font><font style="font-weight: bold;"><u>Bank Merger</u></font><font style="color: rgb(38, 38, 38);">&#8221; and together with the </font>Merger <font style="color: rgb(38, 38, 38);">and </font>the other transactions contemplated by the Merger Agreement, the &#8220;<font style="font-weight: bold;"><u>Merger Transactions</u></font>&#8221;)<font style="color: rgb(38, 38, 38);">, with </font>CFB Sub <font style="color: rgb(38, 38, 38);">continuing as the surviving entity (the &#8220;</font><font style="font-weight: bold;"><u>Surviving Bank</u></font><font style="color: rgb(38, 38, 38);">&#8221;)</font>,
          and (iii) the Company&#8217;s voting common stock, par value $0.01 per share, will be renamed Class A Common Stock (&#8220;<font style="font-weight: bold;"><u>Class A Common Stock</u></font>&#8221;), a new class of non-voting common stock of the Company, par value
          $0.01 per share, will be created which will be named Class B Common Stock (&#8220;<font style="font-weight: bold;"><u>Class B Common Stock</u></font>&#8221;) and the Company&#8217;s currently authorized non-voting common stock, par value $0.01 per share, will be
          renamed Class C Common Stock (the &#8220;<font style="font-weight: bold;"><u>Class C Common Stock</u></font>&#8221; and collectively, the &#8220;<font style="font-weight: bold;"><u>Common Stock</u></font>&#8221; );</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company has engaged Raymond James &amp; Associates, Inc. and Keefe, Bruyette
            &amp; Woods, Inc. as co-placement agents (the &#8220;<font style="font-weight: bold;"><u>Placement Agents</u></font>&#8221;) for the offering of the Common Stock.</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Company desires to issue and sell to the Investor, and the Investor desires
            to purchase from the Company, on the terms and conditions described herein, shares of Class C Common Stock at the Per Share Purchase Price specified herein (the &#8220;<font style="font-weight: bold;"><u>Investment</u></font>&#8221;);</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made subject to completion of the Merger
            Transactions;</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, it is proposed that the Company and the Investor enter into that certain
            investor&#8217;s rights letter agreement, dated as of the Closing Date, in substantially the same form as attached hereto as <font style="font-weight: bold;"><u>Exhibit A</u></font> (the &#8220;<font style="font-weight: bold;"><u>Investor&#8217;s Rights Letter
                Agreement</u></font>&#8221; and together with this Agreement and the Exchange Agreement referred to below, the <font style="font-weight: bold;"><u>Transaction Agreements</u></font>&#8221;);</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the Investment is proposed to be made concurrently with the sale by the Company
            of shares of Class A Common Stock and Class C Common Stock at the Per Share Purchase Price via private placement to certain other investors set forth on <font style="font-weight: bold;"><u>Annex A</u></font> attached hereto (the &#8220;<font style="font-weight: bold;"><u>Concurrent Other Transactions</u></font>&#8221;); and</font></div>
        <div>&#160;</div>
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        <!--PROfilePageNumberReset%Num%2%%%-->
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">NOW, THEREFORE</font><font style="font-size: 10pt;">, in consideration of the premises, and of the respective representations,
            warranties, covenants and other agreements of the Parties set forth herein, the Parties hereby agree as follows:</font></div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 1.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655903"></a><a name="z_Toc55380678"></a><a name="z_Toc56510574"></a><a name="z_Toc63970884"></a>PURCHASE&#894; CLOSING</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655904"></a><a name="z_Toc55380679"></a><a name="z_Toc56510575"></a><a name="z_Toc63970885"></a><font style="font-weight: bold;">1.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Issuance, Sale and Purchase</u></font>.&#160; On the terms and subject to the conditions set forth herein, the Company agrees to issue and sell to the Investor, and the Investor agrees to purchase from the Company, free and clear of any
          Liens,<a name="z_Hlk61175468"></a> 5,056,179 shares of Class C Common Stock (the &#8220;<font style="font-weight: bold;"><u>Shares</u></font>&#8221;), which will (together with shares of Class C Common Stock received by the Investor pursuant to the Exchange
          Agreement, by and between the Company and the Investor, to be entered into following the closing of the Merger Transaction) represent approximately 8.04% of the total outstanding shares of the Common Stock of the Company (excluding outstanding
          restricted stock awards) immediately following the Closing and the closing of the Concurrent Other Transactions, at a per share purchase price of $1.78 or, if lower, the same price paid by any other Person who acquires shares (or enters into any
          agreement to acquire shares) of Class A Common Stock or Class C Common Stock (or any other Voting Common Stock or Non-Voting Stock or common equivalent Preferred Stock) after the date hereof and prior to, or substantially contemporaneous with,
          the Closing (in either case, the &#8220;<font style="font-weight: bold;"><u>Per Share Purchase Price</u></font>&#8221;), payable to the Company in immediately available funds at the Closing; provided, however, that in no event shall the Investor purchase a
          number of shares of Class C Common Stock that would result in the Investor owning more than 9.90% of the total number of shares of the Common Stock outstanding immediately following the Closing and the closing of the Concurrent Other
          Transactions.&#160; The aggregate purchase price payable pursuant to this Section 1.1 is $8,999,998.62 and is referred to herein as the &#8220;<font style="font-weight: bold;"><u>Purchase Price</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div>
          <div style="text-align: justify; text-indent: 72pt;"><a id="z_Toc53655905" name="z_Toc53655905"></a><a id="z_Toc55380680" name="z_Toc55380680"></a><a id="z_Toc56510576" name="z_Toc56510576"></a><a id="z_Toc63970886" name="z_Toc63970886"></a><font style="font-weight: bold;">1.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-weight: bold;"><u>Closing; Deliverables for the Closing; Conditions to the Closing</u>.</font></div>
        </div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Closing</u></font>.&#160; Unless this Agreement has been terminated pursuant to Article 4, and subject to the satisfaction or, to the extent permitted
          by Law and this Agreement, the written waiver of the conditions set forth in Section 1.2(c), the closing of the transaction contemplated by this Agreement (the &#8220;<font style="font-weight: bold;"><u>Closing</u></font>&#8221;) shall take place remotely
          via the electronic or other exchange of documents and signature pages, at 9:00 a.m. Pacific Time on the second Business Day after the satisfaction or, if permissible, waiver of the conditions set forth in Section 1.2(c) (other than those which by
          their nature are to be satisfied at Closing, but subject to the satisfaction or waiver of such conditions), or at such other place or such other date as may be agreed to by the Parties (the &#8220;<font style="font-weight: bold;"><u>Closing Date</u></font>&#8221;).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Closing Deliverables</u></font>.&#160; Subject to the satisfaction or permitted waiver of the conditions to the Closing set forth in Section 1.2(c), at
          the Closing the Parties shall make the following deliveries:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Company shall deliver to the Investor one or more certificates evidencing the Shares registered in the name of the Investor (or if the Shares are to be uncertificated, the
          Company shall deliver a receipt or similar record confirming that the Shares are registered in the name of the Investor);</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">2</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160; the Company shall deliver to the Investor a schedule setting forth the aggregate number of shares of each class of Capital Stock outstanding immediately after giving effect to the
          Merger Transactions, the Concurrent Other Transactions and the transactions contemplated hereby;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; at or prior to the Closing, the Investor shall deliver the Purchase Price to the Company, by wire transfer of immediately available funds to the account set forth in a written
          notice by the Company delivered to the Investor at least three Business Days prior to the Closing.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref53247642"></a>(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Closing Conditions</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligations of the Investor, on the one hand, and the Company, on the other hand, to consummate the purchase and sale of the Shares provided for in this Agreement are each
          subject to the satisfaction or, to the extent permitted by Law and this Agreement, the waiver by the Company or the Investor, as applicable, of the following conditions to the Closing under this Agreement:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;All Governmental Consents required to have been obtained at or prior to the Closing Date in connection with the execution, delivery or performance of this Agreement and the
          consummation of the transactions contemplated hereby shall have been obtained and shall be in full force and effect;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; The Merger Transactions shall have been consummated in accordance with the Merger Agreement, including the approval of the Merger Agreement by the stockholders of each of the
          Company and CFB; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;If required under applicable Law or the rules and regulations of the Nasdaq Stock Market, the approval by stockholders of the Company of resolutions providing for the Company&#8217;s
          issuance of the maximum number of shares of Common Stock to be issued under this Agreement in accordance with this Agreement and in the Concurrent Other Transactions, the definitive documentation relating to the Concurrent Other Transactions, and
          applicable Law and the rules and regulations of the Nasdaq Stock Market (such approval being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Stockholder Approval</u></font>&#8221;) shall have been obtained.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Approval by the stockholders of the Company to increase in the authorized number of shares of Voting Common Stock (which will become Class A Common Stock upon completion of the
          Merger) from 50,000,000 shares to 75,000,000 shares, to be effected by the filing of an amended and restated certificate of incorporation of the Company (the &#8220;<font style="font-weight: bold;"><u>Authorized Shares Increase Approval</u></font>&#8221;),<font style="font-weight: bold;">&#160;</font>shall have been obtained.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;"><a name="z_Hlk62233030"></a>(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The obligation of the Investor to consummate the purchase of Shares provided for in this Agreement is also subject to the satisfaction or waiver by the
          Investor of the following conditions to the Closing:</div>
        <div>&#160;</div>
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          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">3</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(i) The Company Specified Representations shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made on and
          as of the Closing Date and (ii) the other representations and warranties of the Company set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the Closing Date as though made
          on and as of the Closing Date, except, in the case of this clause (ii) only, to the extent that the failure to be true and correct (without regard to any materiality or Material Adverse Effect qualifications contained therein), would not
          reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect and except, in the case of clauses (i) and (ii), that representations and warranties made as of a specified date shall be true and correct as of such
          date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior
          to the Closing Date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(C)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Investor shall have received a certificate, dated as of the Closing Date, signed on behalf of the Company by a senior executive officer certifying to the effect that the
          conditions set forth in Section 1.2(c)(ii)(A), Section 1.2(c)(ii)(B) and Section 1.2(c)(ii)(F) have been satisfied on and as of the Closing Date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;"><a name="z_Hlk61273574"></a>(D)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Investor shall have received a certificate, dated as of the Closing Date, signed by the Secretary of the Company certifying (i) the bylaws of the
          Company and (ii) resolutions of the board of directors of the Company approving the Transaction Agreements and the transactions contemplated under the Transaction Agreements;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(E)&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160; The Company shall have executed and delivered a counterpart signature page to the Investor&#8217;s Rights Letter Agreement in substantially the form attached hereto as Exhibit A;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;"><a name="z_Ref63353721"></a>(F)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; The Investor shall have received from Arnold &amp; Porter Kaye Scholer LLP, counsel for the Company, an opinion, dated as of the Closing Date, in
          substantially the form of <font style="font-weight: bold;"><u>Exhibit B</u></font> attached hereto;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(G)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Since the date of this Agreement, no Material Adverse Effect shall have occurred and no change or other event shall have occurred that would reasonably be expected to have,
          individually or in the aggregate, a Material Adverse Effect; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(H)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company shall have executed and delivered the Exchange Agreement in the form attached hereto as <font style="font-weight: bold;"><u>Exhibit C </u></font>and the Closing (as
          defined therein) shall have occurred prior to the Closing.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The obligation of the Company to consummate the sale of the Shares provided for in this Agreement is also subject to the satisfaction or written waiver by the Company of the
          following conditions to the Closing:</div>
        <div>&#160;</div>
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          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">4</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 144pt;">(A)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The representations and warranties of the Investor set forth in this Agreement shall be true and correct in all respects on and as of the date of this Agreement and on and as of the
          Closing Date as though made on and as of the Closing Date, except to the extent that the failure to be true and correct (without regard to any materiality qualifications contained therein) would not materially adversely affect the ability of the
          Investor to perform its obligations hereunder and except that (1) representations and warranties made as of a specified date shall be true and correct as of such date and (2) the representations and warranties of the Investor set forth in Section
          2.3(c) 2.3(e) shall be true and correct in all respects; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;">(B)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Investor shall have performed and complied with, in all material respects, all agreements, covenants and conditions required by this Agreement to be performed by it on or prior
          to the Closing Date.</div>
        <div style="text-align: center; font-weight: bold;">&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 2.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655906"></a><a name="z_Toc55380681"></a><a name="z_Toc56510577"></a><a name="z_Toc63970887"></a>REPRESENTATIONS AND WARRANTIES</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655907"></a><a name="z_Toc55380682"></a><a name="z_Toc56510578"></a><a name="z_Toc63970888"></a><font style="font-weight: bold;">2.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Certain Terms</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Material Adverse Effect</u></font>&#8221; means any circumstance, event, change, development or effect that,
          individually or in the aggregate, would reasonably be expected to (i) result in a material adverse effect on the assets, liabilities, business, financial condition or results of operations of the Company and the Company Subsidiaries, taken as a
          whole, or (ii) materially impair or delay the ability of the Company or any of the Company Subsidiaries to perform its or their obligations under this Agreement to consummate the Closing or any of the transactions contemplated hereby; provided,
          however, that in determining whether a Material Adverse Effect has occurred under clause (i), there shall be excluded any circumstance, event, change, development or effect to the extent resulting from (A) actions or omissions of the Company or
          any Company Subsidiary expressly required or contemplated by the terms of this Agreement, (B) changes after the date hereof in general economic conditions in the United States, including financial market volatility or downturns, or in the markets
          in which the Company and the Company Subsidiaries operate, (C) changes after the date hereof affecting the banking industry generally, (D) any changes after the date hereof in applicable Laws or accounting rules or principles, including changes
          in GAAP, (E) changes in the market price or trading volume of the Common Stock or the Company&#8217;s other outstanding securities (but not the underlying causes of such changes), (F) any epidemic, pandemic or disease outbreak (including the Covid-19
          virus) including any worsening of such conditions; or (G) any failure by the Company or any of the Company Subsidiaries to meet any internal projections or forecasts with regard to the assets, liabilities, business, financial condition or results
          of operations of the Company and the Company Subsidiaries, taken as a whole (but not the underlying causes of such failure), in each case to the extent that such circumstance, event, change, development or effect referred to in clauses (B), (C)
          and (D) do not have a disproportionate effect on the Company and the Company Subsidiaries compared to other participants in the industries or markets in which the Company and the Company Subsidiaries operate.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">5</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; As used in this Agreement, the term &#8220;<font style="font-weight: bold;"><u>Previously Disclosed</u></font>&#8221; (i) with regard to any Party, means information set forth in its Disclosure
          Schedule under Section references corresponding with the provision of Section 2.2 to which such information relates (including, in the case of the Company, information identified in the Company&#8217;s Disclosure Schedule) provided, however, that if
          such information is disclosed in such a way as to make its applicability to another provision of Section 2.2 reasonably apparent on its face, such information shall be deemed to be responsive to such other provision of this Agreement and (ii)
          with regard to the Company, includes information publicly disclosed by the Company in any reports, schedules, forms, statements and other documents filed or furnished by the Company under the Securities Act and the Exchange Act with the
          Securities and Exchange Commission (the &#8220;<font style="font-weight: bold;"><u>SEC</u></font>&#8221;), including pursuant to Section 13(a) or 15(d) thereof, since December 31, 2017, in each case available on the SEC&#8217;s Electronic Data Gathering, Analysis
          and Retrieval system prior to the date of this Agreement (excluding any risk factor disclosures contained in such documents under the heading &#8220;Risk Factors&#8221; and any disclosure of risks included in any &#8220;forward-looking statements&#8221; disclaimer or
          other statements that are similarly non-specific and are predictive or forward-looking in nature). Notwithstanding anything in this Agreement to the contrary, the mere inclusion of an item in a Disclosure Schedule shall not be deemed an admission
          that such item represents a material exception or material fact, event or circumstance or that such item has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655908"></a><a name="z_Toc55380683"></a><a name="z_Toc56510579"></a><a name="z_Toc63970889"></a><font style="font-weight: bold;">2.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations and Warranties of the Company</u></font>.&#160; Except as Previously Disclosed, the Company hereby represents and warrants to the Investor, as of the date of this Agreement and, after giving effect to the Merger
          Transactions, as of the Closing Date (except for the representations and warranties that are as of a specific date, which are made as of that date) that:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; Each of the Company and the Company Subsidiaries is a corporation or other entity duly organized and
          validly existing under the laws of the jurisdiction of its incorporation or organization, is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of property or the conduct of its business
          requires it to be so qualified, except where any failure to be so qualified would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and has the corporate or other organizational power and authority
          to own its properties and assets and to carry on its business as it is now being conducted.&#160; The Company has Previously Disclosed correct and complete copies of the certificate of incorporation and bylaws (or similar governing documents) as
          amended through the date of this Agreement for the Company and the Bank.&#160; The Company is duly registered with the Board of Governors of the Federal Reserve System (the &#8220;<font style="font-weight: bold;"><u>Federal Reserve</u></font>&#8221;) as a savings
          and loan holding company under the Savings and Loan Holding Company Act, as amended, 12 U.S.C. 1467a.&#160; As of the date hereof, the Company is a certified &#8220;community development financial institution&#8221; designated as such under the Community
          Development Banking and Financial Institutions Act of 1994, as amended (12 U.S.C. Sections 5311 et seq.) and its implementing regulations, as applicable (a &#8220;<font style="font-weight: bold;">CDFI</font>&#8221;).&#160; Following the consummation of the Bank
          Merger, the Surviving Bank will apply to be designated as a CDFI.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">6</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Company Subsidiaries</u></font>.&#160; As of the date of this Agreement, the Company has Previously Disclosed a true, complete and correct list of each
          entity in which the Company, directly or indirectly, owns sufficient capital stock or holds a sufficient equity or similar interest such that it is consolidated with the Company in the financial statements of the Company or has the power to elect
          a majority of the board of directors or other persons performing similar functions (each, a &#8220;<font style="font-weight: bold;"><u>Company Subsidiary</u></font>&#8221; and, collectively, the &#8220;<font style="font-weight: bold;"><u>Company Subsidiaries</u></font>&#8221;).&#160;

          Each of the Company Subsidiaries is set forth in the Disclosure Schedule. Except for the Company Subsidiaries, and as set forth in the Disclosure Schedule, the Company does not own beneficially or control, directly or indirectly, equity
          securities or similar interests of any corporation, bank, business trust, association or similar organization, and is not, directly or indirectly, a partner in any general partnership or party to any joint venture or similar arrangement.&#160; The
          Company owns, directly or indirectly, all of its interests in each Company Subsidiary free and clear of any and all Liens.&#160; No equity security of any Company Subsidiary is or may be required to be issued by reason of any option, warrant, scrip,
          preemptive right, right to subscribe to, gross-up right, call or commitment of any character whatsoever relating to, or security or right convertible into, shares of any capital stock or other interest of such Company Subsidiary, and there are no
          contracts, commitments, understandings or arrangements by which any Company Subsidiary is bound to issue additional shares of its capital stock or other interest, or any option, warrant or right to purchase or acquire any additional shares of its
          capital stock.&#160; The deposit accounts of the Bank are insured by the Federal Deposit Insurance Corporation (&#8220;<font style="font-weight: bold;"><u>FDIC</u></font>&#8221;) to the fullest extent permitted by the Federal Deposit Insurance Act, as amended,
          and the rules and regulations of the FDIC thereunder, and all premiums and assessments required to be paid in connection therewith have been paid when due (after giving effect to any applicable extensions). The Company beneficially owns all of
          the outstanding capital securities of, and has sole control of, the Bank. As of the date of this Agreement, the Bank is duly qualified as a &#8220;minority depository institution&#8221; (as defined in Section 308 of the Financial Institutions Reform,
          Recovery and Enforcement Act of 1989). Upon the consummation of the Merger Transactions, the Surviving Bank shall be deemed a Company Subsidiary and the Surviving Bank shall apply to be qualified as a &#8220;minority depository institution&#8221;.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Capitalization</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as set forth on the Disclosure Schedule, as of the date hereof, the authorized Capital Stock of the Company consists of 50,000,000 shares of Voting Common Stock, par value
          $0.01 per share (&#8220;<font style="font-weight: bold;"><u>Voting Common Stock</u></font>&#8221;), 25,000,000 shares of Non-Voting Common Stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Non-Voting Common Stock</u></font>&#8221;), and 1,000,000 shares
          of preferred stock, par value $0.01 (&#8220;<font style="font-weight: bold;"><u>Preferred Stock</u></font>&#8221;).&#160; After giving effect to the amendment of&#160; the certificate of incorporation of the Company pursuant to the Authorized Share Increase Approval
          (assuming such approval is obtained) and the Merger, the authorized Capital Stock of the Company shall consist of 75,000,000 shares of Class A Common Stock, 15,000,000 shares of Class B Common Stock, 25,000,000 shares of Class C Common Stock and
          1,000,000 shares of serial Preferred Stock, par value $0.01 per share.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, before giving effect to the transaction provided for herein, the Merger Transactions and the Concurrent Other Transactions the Company has issued and
          outstanding: (i) 19,281,758 of shares of Voting Common Stock, including 556,169 shares of Voting Common Stock granted in respect of outstanding restricted stock awards, (ii) 1,637,902 shares of Voting Common Stock held by the trust for the
          Broadway Federal Bank, f.s.b. Employee Stock Ownership Plan, and (iii) 8,756,396 shares of Non-Voting Common Stock.&#160; No shares of Preferred Stock are outstanding as of the date hereof.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">7</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date hereof, other than in respect of awards outstanding under or issuable pursuant to the Company&#8217;s 2008 Long-Term Incentive Plan (the &#8220;<font style="font-weight: bold;"><u>Company

              Stock Plan</u></font>&#8221;) consisting of options to purchase an aggregate of 450,000 shares of common stock, and except in connection with this Agreement and the transactions contemplated hereby, the Merger Agreement and the Concurrent Other
          Transactions, the Company has not (A) agreed to issue or authorized the issuance after the date hereof of any shares of Common Stock or Preferred Stock, or any securities convertible into or exchangeable or exercisable for shares of Common Stock
          or Preferred Stock, (B) reserved for issuance any shares of Capital Stock of the Company or (C) repurchased or redeemed, or agreed to or authorized the repurchase or redemption of, any shares of Capital Stock of the Company.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; All of the issued and outstanding shares of Capital Stock of the Company have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights,
          except for the preemptive rights granted to certain institutional stockholders of the Company identified on Schedule 2.2(c)(iv) of the Disclosure Schedule, which have been duly waived with respect to the Investment in accordance with the
          agreements specified on Schedule 2.2(c)(iv) of the Disclosure Schedule.&#160; None of the outstanding shares of Capital Stock or other securities of the Company or any of the Company Subsidiaries was issued, sold or offered by the Company or any
          Company Subsidiary in violation of the Securities Act of 1933, as amended (the &#8220;<font style="font-weight: bold;"><u>Securities Act</u></font>&#8221;), or the securities or blue sky laws of any state or jurisdiction, or in violation of any agreement,
          arrangement or commitment to which the Company was or is a party or subject, or in violation of any preemptive or similar rights of any Person.&#160; No bonds, debentures, notes or other indebtedness having the right to vote on any matters on which
          the stockholders of the Company may vote (&#8220;<font style="font-weight: bold;"><u>Voting Debt</u></font>&#8221;) are issued and outstanding.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date of this Agreement, except for the outstanding awards under the Company Stock Plan, the Company does not have and is not bound by any outstanding subscriptions, options,
          warrants, calls, commitments or agreements of any character calling for the purchase or issuance of, or securities or rights convertible into or exchangeable or exercisable for, or any agreements with respect to the voting of any issued or
          unissued Capital Stock or Voting Debt of the Company (except for definitive documentation relating to the Concurrent Other Transactions or as Previously Disclosed).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company has the corporate power and authority to execute and deliver the Transaction Agreements and to perform its obligations hereunder and thereunder.&#160; The Board of Directors
          has approved the transactions contemplated by the Transaction Agreements, and, except for the Stockholder Approval and the Authorized Shares Increase Approval, no other corporate approvals are necessary in connection with the consummation by the
          Company of the transactions contemplated hereby and thereby.&#160; This Agreement has been, and the Investor&#8217;s Rights Letter Agreement will be, when executed and delivered by the Company, duly and validly executed and delivered by the Company and,
          assuming due authorization, execution and delivery by the Investor, this Agreement is, and the Investor&#8217;s Rights Letter Agreement will be, the valid and binding obligation of the Company enforceable against the Company in accordance with its
          terms, except as enforcement may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles
          (whether applied in equity or at law).</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">8</font></div>
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        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the execution and delivery by the Company of the Transaction Agreements nor the consummation of the transactions contemplated hereby or thereby, nor compliance by the
          Company with any of the provisions hereof, will, with or without the passage of time and giving of notice, (A) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of
          time or both, would constitute a default) under, or result in the termination of, or result in the loss of any benefit or creation of any right on the part of any third party under, or accelerate the performance required by, or result in a right
          of termination or acceleration of, or result in the creation of any liens, charges, adverse rights or claims, pledges, covenants, title defects, security interests or other encumbrances of any kind (&#8220;<font style="font-weight: bold;"><u>Liens</u></font>&#8221;)

          upon any of the properties or assets of the Company or any Company Subsidiary, under any of the terms, conditions or provisions of (1) the certificate of incorporation or bylaws (or similar governing documents) of the Company and each Company
          Subsidiary or (2) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Company or any of the Company Subsidiaries is a party or by which it may be bound, or to which the
          Company or any of the Company Subsidiaries, or any of the properties or assets of the Company or any of the Company Subsidiaries may be subject, or (B) violate any Law applicable to the Company or any of the Company Subsidiaries or any of their
          respective properties or assets except in the case of clauses (A)(2) and (B) for such violations, conflicts and breaches as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Governmental Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no Governmental Consents are necessary for the execution and
          delivery of and performance of the Company under the Transaction Agreements for the sale by the Company of Common Stock to the Investor pursuant to this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Third-Party Consents</u></font>.&#160; Except as set forth in the Disclosure Schedule, no consents, approvals, releases, and waivers from any
          third-party are required or necessary for the Company to consummate the transactions contemplated in the Transaction Agreements.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Litigation and Other Proceedings</u></font>.&#160; Except as would not reasonably be expected to have, individually or in the aggregate, a Material
          Adverse Effect, or as would not reasonably be expected to adversely impact the reputation of the Company, the Company Subsidiaries or their respective investors in any material respect, there is no pending or, to the Knowledge of the Company,
          threatened claim, action, suit, arbitration, complaint, charge or investigation or proceeding (each an &#8220;<font style="font-weight: bold;"><u>Action</u></font>&#8221;) against (i) the Company or any Company Subsidiary (including any of their respective
          assets, rights or properties) or (ii) the Company, any Company Subsidiary, or to the Company&#8217;s Knowledge, any officer or director of the Company or Company Subsidiary (arising out of their service or board relationship with the Company or such
          Company Subsidiary) as a party or named as subject to the provisions of any order, writ, injunction, settlement, judgment or decree of any court, arbitrator or government agency, or instrumentality (in the case of officers or directors, such as
          would affect the Company or the Company Subsidiaries).&#160; There has not been, and to the Knowledge of the Company, there is not pending or contemplated, any investigation or other Action by the SEC involving the Company or any current or former
          director or officer of the Company in his or her capacity as such.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">9</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Financial Statements</u></font>.&#160; The audited consolidated balance sheets of the Company and the Company Subsidiaries and the related consolidated
          statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s Annual Report on Form 10-K filed with the SEC for the year ended December 31, 2019 and the unaudited consolidated
          balance sheets of the Company and the Company Subsidiaries and the related unaudited consolidated statements of operations, changes in stockholders&#8217; equity and cash flows, together with the notes thereto, included in the Company&#8217;s quarterly
          reports on Form 10-Q filed with the SEC for the quarterly period ending September 30, 2020 (the &#8220;<font style="font-weight: bold;"><u>Company Financial Statements</u></font>&#8221;) (i) have been prepared from, and are in accordance with, the books and
          records of the Company and the Company Subsidiaries, (ii) complied, as of the date of such filing, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto,
          (iii) have been prepared in accordance with GAAP applied on a consistent basis and (iv) present fairly in all material respects the consolidated financial position of the Company and the Company Subsidiaries at the dates and the consolidated
          results of operations, changes in stockholders&#8217; equity and cash flows of the Company and the Company Subsidiaries for the periods stated therein.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Reports</u></font>.&#160; Since December 31, 2017, the Company and each Company Subsidiary have filed all material reports, registrations, documents,
          filings, statements and submissions, together with any required amendments thereto, that they were required to file with any Governmental Entity, including all those required under the Exchange Act, including pursuant to Section 13(a) or 15(d)
          thereof (the foregoing, collectively, being referred to herein as the &#8220;<font style="font-weight: bold;"><u>Company Reports</u></font>&#8221;) and have paid all material fees and assessments due and payable in connection therewith.&#160; As of their
          respective filing dates, or as subsequently amended prior to the date hereof, the Company Reports complied in all material respects with all statutes and applicable rules and regulations of the applicable Governmental Entities.&#160; As of the date of
          this Agreement, there are no outstanding comments from the SEC or any other Governmental Entity with respect to any Company Report that were the subject of written correspondence that have not been resolved.&#160; The Company Reports, including the
          documents incorporated by reference in each of them, each contained all the information required to be included in it and, when it was filed and, as of the date of each such Company Report filed with the SEC, or if amended prior to the date of
          this Agreement, as of the date of such amendment, did not contain an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made in it, in light of the circumstances under which they were
          made, not misleading and complied as to form in all material respects with the applicable requirements of the Securities Act and the Securities Exchange Act of 1934, as amended (the &#8220;<font style="font-weight: bold;"><u>Exchange Act</u></font>&#8221;).&#160;
          No executive officer of the Company has failed in any respect to make the certifications required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act of 2002.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">10</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Internal Accounting and Disclosure Controls</u></font>.&#160; The records, systems, controls, data and information of the Company and the Company
          Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of the Company or the
          Company Subsidiaries (including all means of access thereto and therefrom) or reputable banking industry service providers, except for any non-exclusive ownership and non-direct control that would not reasonably be expected to have an adverse
          effect on the system of internal accounting controls described below in this Section 2.2(j).&#160; The Company (i) has implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) intended to ensure
          that material information relating to the Company, including its consolidated Subsidiaries, is made known to the chief executive officer and the chief financial officer of the Company by others within those entities, and (ii) has disclosed, based
          on its most recent evaluation prior to the date of this Agreement, to the Company&#8217;s outside auditors and the audit committee of the Board of Directors (A) any significant deficiencies and material weaknesses in the design or operation of internal
          control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) that are reasonably likely to adversely affect the Company&#8217;s ability to record, process, summarize and report financial information, and (B) any fraud, whether or
          not material, that involves management or other employees who have a significant role in the Company&#8217;s internal controls over financial reporting.&#160; As of the date of this Agreement, the Company has no Knowledge of any reason that its outside
          auditors and its chief executive and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act of 2002, without
          qualification, when due.&#160; Since December 31, 2017, neither the Company nor any Company Subsidiary nor, to the Knowledge of the Company, any director, officer, employee, auditor, accountant or representative of the Company or any Company
          Subsidiary has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods of the Company
          or any Company Subsidiary or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that the Company or any Company Subsidiary has engaged in questionable accounting or auditing practices.</div>
        <div style="color: rgb(0, 0, 0); text-indent: 72pt;">&#160;</div>
        <div style="color: rgb(0, 0, 0); text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Data Privacy</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries have taken reasonable steps consistent with customary industry practices to protect the
          confidentiality, integrity, availability and security of the computers, servers, workstations, routers, hubs, switches, circuits, networks and other information technology equipment owned or controlled by them or by any third party and material
          to the Company and the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company IT Assets</u></font>&#8221;) (and all information and transactions stored or contained therein or transmitted thereby) against any unauthorized use, access,
          interruption, modification or corruption, and there has been no unauthorized use, access, interruption, modification or corruption of the Company IT Assets.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">11</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; In connection with their receipt, purchase, collection, securing, safeguarding, storage, transfer (including any transfer across national
          borders), disclosure, destruction/disposal, and/or use or other processing of any Personal Information, each of the Company and the Company Subsidiaries, is and has been, in material compliance with all Privacy Laws, their respective privacy
          policies and the requirements of any contract or codes of conduct to which any of the Company or the Company Subsidiaries is a party.&#160; The privacy policies of the Company are customary for the industry in which the Company operates.&#160; The Company
          and the Company Subsidiaries have commercially reasonable and appropriate physical, technical, organizational, and administrative security measures and policies in place designed to protect all Personal Information collected by them or on their
          behalf from and against unauthorized access, use, interruption, modification, corruption, and/or disclosure.&#160; The Company and the Company Subsidiaries have binding written agreements obligating (in accordance with and as required by Privacy Laws
          (as applicable)) all third parties collecting, accessing, receiving, storing or processing Personal Information on behalf of the Company and the Company Subsidiaries to (i) comply with all applicable Privacy Laws, (ii) take commercially
          reasonable and appropriate steps to protect and secure such Personal Information from and against unauthorized access, use interruption, modification, corruption, and/or disclosure which are no less stringent than those applied by the Company and
          the Company Subsidiaries and (iii) promptly notify the Company and the Company Subsidiaries of any unauthorized access, use interruption, modification, corruption, and/or disclosure of Personal Information or Company IT Assets processing Personal
          Information.&#160; The Company and the Company Subsidiaries are, and since December 31, 2017, have been, in compliance in all material respects with all Privacy Laws and any other applicable Laws in all relevant jurisdictions relating to data loss,
          theft and breach of security notification obligations.&#160; Since December 31, 2017, none of the Company or any of the Company Subsidiaries has experienced a material breach of its information technology systems or a data loss or theft as defined by
          the Laws in all relevant jurisdictions.&#160; None of the Company or any of the Company Subsidiaries has been charged with, or received any notice of any claims of, the violation in any material respect of any Privacy Laws or any of their respective
          privacy policies.&#160; The consummation of the transactions contemplated hereby will not breach or otherwise cause any violation of any Privacy Law.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(0, 0, 0);">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; For the purposes of this <u>Section 2.2(k)</u>:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(1)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#8220;<u>Personal Information</u>&#8221; means, in addition to any definition provided by applicable law or by the Company and the Company
          Subsidiaries in any of their respective privacy policies, contracts, or other public-facing statements for any similar term (<font style="font-style: italic;">e.g.</font>, &#8220;personally identifiable information&#8221; or &#8220;PII&#8221;), all information
          identifying, regarding or capable of being associated with an individual person or device.&#160; Personal Information may relate to any individual, including a current, prospective or former client (or a client&#8217;s customer or end user) or employee of
          any Person, and includes information in any form, including paper, electronic and other forms.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(0, 0, 0);">(2)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#8220;<u>Privacy Laws</u>&#8221; means all applicable laws, legal requirements, and self-regulatory guidelines and principles relating to privacy,
          data security, and Personal Information and similar applicable consumer protection laws, including with respect to the receipt, collection, compilation, use, storage, processing, sharing, safeguarding, security, disposal, destruction, disclosure
          or transfer of Personal Information and any and all applicable laws governing breach notification in connection with Personal Information.&#160; As used in this Agreement, &#8220;Privacy Laws&#8221; shall include the California Consumer Privacy Act, General Data
          Protection Regulation and the rules and regulations promulgated thereunder, and applicable state laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Undisclosed Liabilities</u></font>.&#160; There are no liabilities of the Company or any of the Company Subsidiaries of any kind whatsoever, whether
          accrued, contingent, absolute, determined, determinable or otherwise, except for (i) liabilities adequately reflected or reserved against in accordance with GAAP in the Company&#8217;s audited balance sheet as of December 31, 2019 or the Company&#8217;s
          unaudited balance sheet as of September 30, 2020 and (ii)&#160; liabilities that have arisen in the ordinary and usual course of business and consistent with past practice since December 31, 2019 and that have not or would not reasonably be expected
          to be material to the Company and the Company Subsidiaries, taken as a whole.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">12</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Mortgage Lending</u></font>.&#160; The Company and each of the Company Subsidiaries have complied in all material respects with, and all documentation in
          connection with the origination, processing, underwriting and credit approval of any mortgage loan originated, purchased or serviced by the Company or any Company Subsidiary has satisfied, in all material respects (i) all Laws with respect to the
          origination, insuring, purchase, sale, servicing, or filing of claims in connection with mortgage loans, including all Laws relating to real estate settlement procedures, consumer credit protection, truth in lending laws, usury limitations, fair
          housing, transfers of servicing, collection practices, equal credit opportunity and adjustable rate mortgages, (ii) the responsibilities and obligations relating to mortgage loans set forth in any agreement between the Company and any Agency,
          Loan Investor or Insurer, (iii) the applicable rules, regulations, guidelines, handbooks and other requirements of any Agency, Loan Investor or Insurer and (iv) the terms and provisions of any mortgage or other collateral documents and other loan
          documents with respect to each mortgage loan.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Bank Secrecy Act; Anti-Money Laundering; OFAC; and Customer Information</u></font>.&#160; The Company, the Company Subsidiaries, their respective
          Affiliates, and, to the Knowledge of the Company, its or their respective officers, directors, employees and agents, are and have been operating in compliance, in all material respects, in connection with the business of the Company or any
          Company Subsidiary, with (i) the Bank Secrecy Act of 1970, as amended, the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (also known as the USA PATRIOT Act), or any other
          applicable anti-money laundering or antiterrorist-financing statute or regulation (&#8220;<font style="font-weight: bold;">AML Laws</font>&#8221;), or (ii) any order or regulation issued by the Treasury&#8217;s Office of Foreign Assets Control (&#8220;<font style="font-weight: bold;"><u>OFAC</u></font>&#8221;), or any other applicable international trade, economic sanctions, and export controls statute, rule or regulation (&#8220;<font style="font-weight: bold;"><u>Sanctions Laws</u></font>&#8221;).&#160; The Company
          and each of the Company Subsidiaries have adopted and implemented (i) an anti-money laundering program that contains customer identification verification procedures that comply with the USA PATRIOT Act and such anti-money laundering program meets
          the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder to the extent applicable, and (ii) a sanctions compliance program related to compliance with Sanctions Laws.&#160; The Company and each
          Company Subsidiary have complied in all respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.&#160; The Company represents that none of it, any Company
          Subsidiary or their respective Affiliates, and its and their respective directors, officers, employees and, to the Company&#8217;s Knowledge, agents is a Sanctioned Person.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">13</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Certain Payments</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries or Affiliates, nor any directors, officers, nor to the
          Knowledge of the Company, employees (acting on behalf of the Company or any of the Company Subsidiaries) or any of their Affiliates or any other Person who to the Knowledge of the Company is acting on behalf of the Company or any of the Company
          Subsidiaries has directly or indirectly, in connection with the business of the Company or any of the Company Subsidiaries, (i) made any contribution, gift, bribe, rebate, payoff, influence payment, kickback, or other payment in violation of any
          applicable anti-bribery or anti-corruption laws (&#8220;<font style="font-weight: bold;"><u>Anti-Corruption Laws</u></font>&#8221;), including the U.S. Foreign Corrupt Practices Act of 1977, as amended , to any Person, private or public, regardless of form,
          whether in money, property, or services or (ii) established or maintained any fund or asset with respect to the Company or any of the Company Subsidiaries that was required by Anti-Corruption Laws to have been recorded and was not recorded in the
          books and records of the Company or any of the Company Subsidiaries.&#160; The Company and each of the Company Subsidiaries have adopted and implemented a compliance program related to compliance with Anti-Corruption Laws.&#160; <font style="color: rgb(0, 0, 0);">Neither the </font>Company <font style="color: rgb(0, 0, 0);">nor any </font>Company Subsidiaries <font style="color: rgb(0, 0, 0);">has conducted any internal investigation, made any voluntary, directed, or involuntary disclosure
            to any </font>Governmental Entity<font style="color: rgb(0, 0, 0);">, or received any audit report, written communication from a </font>Governmental Entity<font style="color: rgb(0, 0, 0);">, or whistleblower or other written complaint,
            involving alleged violations in any material respect of </font>the U.S. Foreign Corrupt Practices Act of 1977, as amended, and any applicable Anti-Corruption Laws <font style="color: rgb(0, 0, 0);">on the part of the </font>Company<font style="color: rgb(0, 0, 0);">, any of the </font>Company Subsidiaries<font style="color: rgb(0, 0, 0);">, or any </font>Person <font style="color: rgb(0, 0, 0);">acting on behalf of the </font>Company <font style="color: rgb(0, 0, 0);">or
            any of the </font>Company Subsidiaries<font style="color: rgb(0, 0, 0);">.</font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Absence of Certain Changes</u></font>.&#160; Since December 31, 2019 and except as Previously Disclosed or as required or contemplated by the terms of
          this Agreement, (i) the Company and the Company Subsidiaries have conducted their respective businesses in all material respects in the ordinary and usual course of business consistent with past practices, (ii) through (and including) the date of
          this Agreement, no fact, event, change, condition, development, circumstance or effect has occurred that has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and (iii) no material default
          (or event which, with notice or lapse of time, or both, would constitute a material default) exists on the part of the Company or any Company Subsidiary in the due performance and observance of any term, covenant or condition of any agreement to
          which the Company or any Company Subsidiary is a party and which would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Compliance with Laws</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company, each Company Subsidiary and each of their officers, agents, representatives and employees possesses, holds and have all material permits, licenses, franchises,
          authorizations, orders, consents, registrations, accreditations and approvals of, and have made all filings, applications and registrations with, Governmental Entities that are required in order to permit the Company and each Company Subsidiary
          to own or lease their properties and assets and to carry on their business as presently conducted and that are material to the business of the Company and each Company Subsidiary (collectively, the &#8220;<font style="font-weight: bold;"><u>Governmental

              Authorizations</u></font>&#8221;).&#160; The Company and the Company Subsidiaries, and to the Company&#8217;s Knowledge, their respective officers, agents, representatives and employees, are not in default under any of such Governmental Authorizations, which
          default(s) would be, or be reasonably expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; The Company and each Company Subsidiary have complied with and (A) are not, and
          since December 31, 2017, have not been, in default or violation in any respect of, (B) are not under investigation with respect to, and (C) have not been threatened to be charged with or given notice of any material violation of, any applicable
          material domestic (federal, state or local) or foreign law, statute, ordinance, license, rule, regulation, policy or guideline, order, demand, writ, injunction, decree or judgment of any Governmental Entity (each, a &#8220;<font style="font-weight: bold;"><u>Law</u></font>&#8221;), other than such noncompliance, defaults or violations as would not reasonably be expected to be, individually or in the aggregate, material to the Company and the Company Subsidiaries (taken as a whole).&#160; No
          Governmental Entity has placed any material restriction on the business or properties of the Company or any of the Company Subsidiaries.&#160; As of the date hereof, the Bank has a Community Reinvestment Act rating of &#8220;outstanding.&#8221;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">14</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except for normal examinations conducted by a Governmental Entity in the ordinary course of business of the Company and the Company Subsidiaries, (A) no Governmental Entity has
          initiated or has pending any proceeding or, to the Knowledge of the Company, investigation into the business or operations of the Company or any of the Company Subsidiaries since December 31, 2017, (B) there is no unresolved violation or
          exception by any Governmental Entity with respect to any report or statement relating to any examinations or inspections of the Company or any of the Company Subsidiaries, and (C) there have been no formal or informal inquiries by, or
          disagreements or disputes with, any Governmental Entity with respect to the business, operations, policies or procedures of the Company or any of the Company Subsidiaries since December 31, 2017, in each case of clauses (A) through (C), which
          would reasonably be expected, individually or in the aggregate, to be material to the Company and the Company Subsidiaries (taken as a whole).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries are not, and since December 31, 2017, have not been, in violation or default of any provisions of their respective certification of
          incorporation or bylaws (or similar governing documents).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Hlk62569519"></a>(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Adequate Capitalization</u></font>.&#160; As of December 31, 2020, the Bank met or exceeded the standards necessary to be
          considered &#8220;adequately capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.&#160; As of the Closing and after giving effect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions, the
          Bank meets or exceeds the standards necessary to be considered &#8220;adequately capitalized&#8221; under the FDIC&#8217;s regulatory framework for prompt corrective action.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Agreements with Regulatory Agencies</u></font>.&#160; The Company and the Company Subsidiaries (A) are not subject to any cease-and-desist or other
          similar order or enforcement action issued by, (B) are not a party to any written agreement, consent agreement or memorandum of understanding with, (C) are not a party to any commitment letter or similar undertaking to, and (D) are not subject to
          any capital directive by, and since December 31, 2019, neither the Company nor any of the Company Subsidiaries has adopted any board resolutions at the request of any Governmental Entity that currently restricts in any material respect the
          conduct of its business or that in any material manner relates to its capital adequacy, its liquidity and funding policies and practices, its ability to pay dividends, its credit, risk management or compliance policies, its internal controls, its
          management or its operations or business, nor has the Company nor any of the Company Subsidiaries been advised since December 31, 2019 by any Governmental Entity that it is considering issuing, initiating, ordering, or requesting any of the same.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">15</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Insurance</u></font>.&#160; The Company and each of the Company Subsidiaries are presently insured, and have been insured for at least the past two
          years, for reasonable amounts with financially sound and reputable insurance companies against such risks as companies engaged in a similar business would, in accordance with good business practice, customarily be insured.&#160; All of the policies,
          bonds and other arrangements providing for the foregoing (the &#8220;<font style="font-weight: bold;"><u>Company Insurance Policies</u></font>&#8221;) are in full force and effect, the premiums due and payable thereon have been or will be timely paid through
          the Closing Date, and there is no material breach or default (and no condition exists or event has occurred that, with the giving of notice or lapse of time or both, would constitute such a material breach or default) by the Company or any of the
          Company Subsidiaries under any of the Company Insurance Policies or, to the Knowledge of the Company, by any other party to the Company Insurance Policies.&#160; Neither the Company nor any of the Company Subsidiaries has received any written notice
          of cancellation or non-renewal of any Company Insurance Policy nor, to the Knowledge of the Company, is the termination of any such policies threatened in writing by the insurer, and there is no material claim for coverage by the Company, or any
          of the Company Subsidiaries, pending under any of such Company Insurance Policies as to which coverage has been denied or disputed by the underwriters of such Company Insurance Policies or in respect of which such underwriters have reserved their
          rights.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(u)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Title</u></font>.&#160; The Company and the Company Subsidiaries have good and marketable title in fee simple to all real property owned by them and
          good and valid title to all material personal property owned by them, in each case free and clear of all Liens, except for Liens which do not materially affect the value of such property or do not interfere with the use made and proposed to be
          made of such property by the Company or any Company Subsidiary.&#160; Any real property and facilities held under lease by the Company or the Company Subsidiaries are leased pursuant to valid, subsisting and enforceable leases with such exceptions
          that are not material and do not interfere with the use made and proposed to be made of such property and facilities by the Company or the Company Subsidiaries.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt; font-size: 12pt;"><a name="z_Toc334353686"></a><a name="z_Ref210137921"></a><font style="font-size: 10pt;">(v)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Intellectual

                Property</u></font><font style="font-weight: bold; color: rgb(0, 0, 0);">.</font><font style="color: rgb(0, 0, 0);">&#160; The Company and the Company Subsidiaries own or possess adequate rights or licenses to use all trademarks, service marks
              and all applications and registrations therefor, trade names, patents, patent rights, copyrights, original works of authorship, inventions, trade secrets and other intellectual property rights (collectively, &#8220;</font><font style="font-weight: bold;"><u>Intellectual Property Rights</u></font><font style="color: rgb(0, 0, 0);">&#8221;) used in their businesses as conducted on the date of this </font>Agreement<font style="color: rgb(0, 0, 0);">, except as </font>would not reasonably be
            expected to have, individually or in the aggregate, a Material Adverse Effect<font style="color: rgb(0, 0, 0);">.&#160; To the </font>Knowledge <font style="color: rgb(0, 0, 0);">of the </font>Company<font style="color: rgb(0, 0, 0);">, no
              product or service of the </font>Company <font style="color: rgb(0, 0, 0);">or the </font>Company Subsidiaries <font style="color: rgb(0, 0, 0);">infringes the </font>Intellectual Property Rights <font style="color: rgb(0, 0, 0);">of
              others.</font></font></div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref63418174"></a>(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Employee Benefits</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Section 2.2(v) of the Disclosure Schedule sets forth a correct and complete list of each &#8220;<u>employee benefit plan</u>&#8221; (within the meaning of Section 3(3) of the Employee
          Retirement Income Security Act of 1974, as amended (&#8220;<font style="font-weight: bold;"><u>ERISA</u></font>&#8221;), including, without limitation, multiemployer plans within the meaning of Section 3(37) of ERISA), and all stock purchase, stock option,
          severance, employment, change-in-control, fringe benefit, bonus, incentive, deferred compensation and all other employee benefit plans, agreements, programs, policies or other arrangements, whether or not subject to ERISA (including any funding
          mechanism therefor now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (A) any current or former employee or director of
          the Company or any of the Company Subsidiaries (the &#8220;<font style="font-weight: bold;"><u>Company Employees</u></font>&#8221;) has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or any of
          the Company Subsidiaries or (B) the Company or any Company Subsidiary has had or has any present or future liability. All such plans, agreements, programs, policies and arrangements are collectively referred herein to as the &#8220;<font style="font-weight: bold;"><u>Benefit Plans</u></font>.&#8221;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">16</font></div>
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        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (A) each Benefit Plan has been established and administered in all material respects in accordance with its terms, and in compliance with the applicable provisions of ERISA, the
          Code and other Laws&#894; (B) no &#8220;reportable event&#8221; (as such term is defined in Section 4043 of ERISA) that could reasonably be expected to result in material liability has occurred with respect to any Benefit Plan, and (C) no non-exempt &#8220;prohibited
          transaction&#8221; (as such term is defined in Section 406 of ERISA and Section 4975 of the Code) has been engaged in by the Company or any Company Subsidiary with respect to any Benefit Plan that has or is expected to result in any material liability
          or &#8220;accumulated funding deficiency&#8221; (as such term is defined in Section 302 of ERISA and Section 412 of the Code (whether or not waived)).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries will be in compliance, as of the Closing Date, with Sections 111 and 302 of the Emergency Economic Stabilization Act of 2008, as amended by
          the U.S. American Recovery and Reinvestment Act of 2009, including all guidance issued thereunder by a Governmental Entity.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160; None of the Company or any Company Subsidiary or any trade or business, whether or not incorporated (an &#8220;<font style="font-weight: bold;"><u>ERISA Affiliate</u></font>&#8221;), all of which
          together with the Company or any Company Subsidiary would be deemed a &#8220;single employer&#8221; within the meaning of Section 4001 of ERISA, has, at any time during the last six years, contributed to or been obligated to contribute to any plan that is
          (i) subject to Title IV or Section 302 of ERISA or Section 412 or 4971 of the Code or (ii) a &#8220;multiemployer plan&#8221; within the meaning of Section 4001(a)(3) of ERISA (a &#8220;<font style="font-weight: bold;"><u>Multiemployer Plan</u></font>&#8221;) or a plan
          that has two or more contributing sponsors at least two of whom are not under common control, within the meaning of Section 4063 of ERISA; and none of Company and the Company Subsidiaries nor any of their respective ERISA Affiliates has incurred
          any liability to a Multiemployer Plan as a result of a complete or partial withdrawal from such Multiemployer Plan, as those terms are defined in Part I of Subtitle E of Title IV of ERISA.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the Company nor any Company Subsidiary has any material unfunded liabilities existing under or in connection with any Benefit Plan, and each such Benefit Plan has been
          established and administered in all respects in accordance with its terms, and in compliance with applicable law, except where failure to be in compliance would not reasonably be expected to result in, individually or in the aggregate, a Material
          Adverse Effect.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(vi)&#160;&#160;&#160;&#160;&#160; &#160; Neither the execution of the Transaction Agreements nor the consummation of the transactions contemplated hereby and thereby could (either alone or in conjunction with any other
          event) reasonably be expected to result in, cause the accelerated vesting, funding or delivery of, or increase the amount or value of, any payment or benefit to any employee, officer or director of the Company or any Company Subsidiary.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">17</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Taxes</u></font>.&#160; All material Tax Returns required to be filed by, or on behalf of, the Company or the Company Subsidiaries have been timely
          filed, or will be timely filed, in accordance with all Laws, and all such Tax Returns are, or will be at the time of filing, complete and correct in all material respects.&#160; The Company and the Company Subsidiaries have timely paid all material
          Taxes due and payable (whether or not shown on such Tax Returns), or, where payment is not yet due, have made adequate financial statement provisions therefor in accordance with GAAP.&#160; There are no Liens with respect to Taxes upon any of the
          assets or properties of either the Company or the Company Subsidiaries other than with respect to Taxes not yet due and payable.&#160; As of the date of this Agreement, there are not pending or threatened in writing, any audits, examinations,
          investigations or other proceedings initiated by the Internal Revenue Service in respect of U.S. federal income tax matters.&#160; Neither the Company nor any Company Subsidiary has received a written notice from a jurisdiction in which they do not
          file Tax Returns that Tax Return filing is required.&#160; None of the Company or any of the Company Subsidiaries has been a &#8220;controlled corporation&#8221; or a &#8220;distributing corporation&#8221; in any distribution occurring during the two-year period ending on
          the date hereof that was purported or intended to be governed by Section 355 of the Code (or any similar provision of state, local or foreign Law).&#160; Neither the Company nor any of the Company Subsidiaries has engaged in, or advised on, a listed
          transaction within the meaning of Section 6011 of the Code and the regulations issued thereunder.&#160; The Company and each Company Subsidiary is, and has been since the date of its formation, a corporation for U.S. federal income tax purposes, and
          neither the Company nor any Company Subsidiary has elected pursuant to the Code to be treated as a Subchapter S corporation pursuant to Section 1362(a) of the Code, nor has it made any other elections pursuant to the Code (other than elections
          that relate solely to methods of accounting, depreciation or amortization) that would have, or be reasonably expected to result in, individually or in the aggregate, a Material Adverse Effect.&#160; Each of the Company and the Company Subsidiaries has
          complied with all applicable Laws related to the withholding of material Taxes and has duly and timely paid over to the appropriate taxing authorities all material amounts required to be so withheld and paid over.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Labor</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Employees of the Company and the Company Subsidiaries are not represented by any labor union nor are any collective bargaining agreements otherwise in effect with respect to such
          employees.&#160; No labor organization or group of employees of the Company or any Company Subsidiary has made a pending demand for recognition or certification, and there are no representation or certification proceedings or petitions presently
          pending or threatened to be brought or filed with the National Labor Relations Board or any other labor relations tribunal or authority, nor have there been in the last three years.&#160; There are no strikes, work stoppages, slowdowns, labor
          picketing lockouts, material arbitrations or material grievances, or other material labor disputes pending or, to the Knowledge of the Company, threatened against or involving the Company or any Company Subsidiary, nor have there been any in the
          past year.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company and the Company Subsidiaries are in compliance in all material respects with all federal and state Laws and requirements respecting employment and employment practices,
          terms and conditions of employment, collective bargaining, disability, immigration, health and safety, wages, hours and benefits, non-discrimination in employment, workers&#8217; compensation and the collection and payment of withholding and/or payroll
          taxes and similar taxes.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160; There is no charge or complaint before any Governmental Entity, or labor arbitration proceeding, pending or threatened alleging unlawful discrimination in employment practices,
          unfair labor practices or other unlawful employment practices by the Company or any Company Subsidiary.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">18</font></div>
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160;&#160; To the Knowledge of the Company, since December 31, 2017, (i) no allegations of sexual harassment or misconduct have been made against (A) an officer of the Company or any of the
          Company Subsidiaries, (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries with a total annual compensation opportunity in excess of
          $75,000, and (ii) neither the Company nor any of the Company Subsidiaries has entered into any settlement agreements related to allegations of sexual harassment or misconduct by (A) an officer of the Company or any of the Company Subsidiaries,
          (B) a member of the board of directors of the Company or any of the Company Subsidiaries, or (C) an employee of the Company or any of the Company Subsidiaries.&#160; <a name="z_Hlk62586735"></a>As of the date hereof, the Company has in place a
          comprehensive Board of Directors-approved employee code of conduct and anti-harassment and discrimination policy.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(z)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Neither the Company nor any of its officers, directors, employees or agents has employed any broker or finder or
          incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Company in connection with this Agreement or the transactions contemplated
          hereby, except for Raymond James &amp; Associates, Inc., Keefe, Bruyette &amp; Woods, Inc., or any other broker or finder, the fees of which would not be payable by the Investor.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(aa)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Offering of Securities</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Neither the Company nor any Person acting on its behalf has taken any action (including any offering of any securities of the Company under circumstances which would require the
          integration of such offering with the offering of any of the Shares to be issued pursuant to this Agreement under the Securities Act and the rules and regulations of the SEC promulgated thereunder) which would subject the offering, issuance or
          sale of any of the Shares to be issued pursuant to this Agreement to be subject to the registration requirements of the Securities Act.&#160; Neither the Company nor any Person acting on its behalf has engaged or will engage in any form of general
          solicitation or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares pursuant to the transactions contemplated by this Agreement.&#160; Assuming the accuracy of the
          Investor&#8217;s representations and warranties set forth in this Agreement, no registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Company is not disqualified from relying on Rule 506 of Regulation D (&#8220;<font style="font-weight: bold;">Rule 506</font>&#8221;) under the Securities Act for any of the reasons stated
          in Rule 506(d) (each such reason, a &#8220;<font style="font-weight: bold;"><u>Disqualification Event</u></font>&#8221;) in connection with the issuance and sale of the Shares to the Investor.&#160; The Company has furnished the Investor, a reasonable time prior
          to the date hereof, a description in writing of any matters that would have triggered disqualification under Rule 506(d) but which occurred before September 23, 2013, in each case, in compliance with the disclosure requirements of Rule 506(e).</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">19</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(bb)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Affiliate Transactions</u></font>.&#160; No officer, director, five percent (5%) stockholder or other Affiliate of the Company (or any Company
          Subsidiary), or any individual who, to the Knowledge of the Company, is related by marriage or adoption to or shares the same home as any such Person, or any entity which, to the Knowledge of the Company, is controlled by any such Person
          (collectively, an &#8220;<font style="font-weight: bold;"><u>Insider</u></font>&#8221;), is a party to any contract, agreement or transaction with the Company (or any Company Subsidiary) which pertains to the business of the Company (or any Company
          Subsidiary) or has any interest in any property, real or personal or mixed, tangible or intangible, used in or pertaining to the business of the Company or any Company Subsidiary.&#160; The foregoing representation and warranty does not include
          deposit accounts of an Insider at the Company or any Company Subsidiary or loans of $250,000 or less made in the ordinary course of business to Insiders in compliance with Regulation O and other applicable Law.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(cc)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Private Placement</u></font>.&#160; Assuming the accuracy of the Investor&#8217;s representations and warranties set forth in Section 2.3 of this Agreement,
          no registration under the Securities Act is required for the offer and sale of the Shares by the Company to the Investor.&#160; Assuming the Stockholder Approval is obtained (if required), the issuance and sale of the Shares hereunder does not
          contravene the rules and regulations of the Nasdaq Stock Market.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(dd)&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Listing and Maintenance Requirements</u></font>.&#160; The Company&#8217;s Voting Common Stock is (and at the Closing, the Class A Common Stock will be)
          registered pursuant to Section 12(b) of the Exchange Act, and the Company has taken no action designed to terminate the registration of the Voting Common Stock under the Exchange Act nor has the Company received any notification that the SEC is
          contemplating terminating such registration.&#160; The Company has not, in the 12 months preceding the date hereof, received written notice from the Nasdaq Stock Market to the effect that the Company is not in compliance with the listing or
          maintenance requirements of the Nasdaq Stock Market.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(ee)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Investment Company</u></font>.&#160; Neither the Company nor any of the Company Subsidiaries is required to be registered as, and is not an Affiliate
          of, and immediately following the Closing will not be required to register as, an &#8220;investment company&#8221; within the meaning of the Investment Company Act of 1940, as amended.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(ff)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Acknowledgment Regarding the Investor&#8217;s Purchase of Shares</u></font>.&#160; The Company acknowledges and agrees that the Investor is acting solely in
          the capacity of an arm&#8217;s length purchaser with respect to this Agreement and the transactions contemplated hereby.&#160; The Company further acknowledges that the Investor is not acting as a financial advisor or fiduciary of the Company (or in any
          similar capacity) with respect to this Agreement, the transactions contemplated hereby and the Concurrent Other Transactions and any advice given by the Investor or any of its representatives or agents in connection with this Agreement, the
          transactions contemplated hereby and the Concurrent Other Transactions is merely incidental to Investor&#8217;s purchase of the Shares.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(gg)&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No General Solicitation or General Advertising</u></font>.&#160; Neither the Company nor any Person acting on its behalf has engaged or will engage in
          any form of general solicitation or general advertising (within the meaning of Regulation D under the Securities Act) in connection with any offer or sale of the Shares.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">20</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(hh)&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Shell Company Status</u></font>.&#160; The Company is not, and has never been, an issuer identified in Rule 144(i)(1) under the Securities Act.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Valid Issuance of Shares</u></font><font style="font-weight: bold;">.</font>&#160; The Shares, when issued, sold and delivered in accordance with the
          terms hereof for the consideration expressed herein will be duly and validly issued, fully paid and nonassessable and free of restrictions on transfer other than restrictions on transfer under applicable state and federal securities laws or as
          otherwise set forth herein, in the Company&#8217;s certificate of incorporation or in the Investor&#8217;s Rights Letter Agreement.&#160; Assuming the accuracy of the representations and warranties of the Investor set forth in Section 2.3, the Shares will be
          issued in compliance with all applicable federal and state securities laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655909"></a><a name="z_Toc55380684"></a><a name="z_Toc56510580"></a><a name="z_Toc63970890"></a><font style="font-weight: bold;">2.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Representations and Warranties of the Investor</u></font>.&#160;&#160; Except as Previously Disclosed, the Investor hereby represents and warrants to the Company, as of the date hereof and as of the Closing Date (except for the representations
          and warranties that are as of a specific date which are made as of that date) that:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref64490155"></a>(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;"><u>Organization and Authority</u></font>.&#160; The Investor is duly organized, validly existing and in good standing under
          the laws of the jurisdiction of its organization, is duly qualified to do business and is in good standing in all jurisdictions where its ownership or leasing of property or the conduct of its business requires it to be so qualified and where
          failure to be so qualified would be reasonably expected to materially and adversely impair or delay its ability to perform its obligations under this Agreement or to consummate the transactions contemplated hereby.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref64498157"></a>(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorization&#894; No Conflicts</u></font>.&#160; <a name="z_Ref63418407"></a>The Investor has the necessary power and
          authority to execute and deliver this Agreement and to perform its obligations hereunder.&#160; All corporate action on the part of the Investor, its officers, directors and stockholders necessary for the execution and delivery by the Investor of the
          Transaction Agreements, the performance of all obligations of the Investor hereunder and thereunder and the consummation of the transactions contemplated hereunder has been taken.&#160; This Agreement has been duly and validly executed and delivered
          by the Investor and, assuming due authorization, execution and delivery by the Company is the valid and binding obligation of the Investor enforceable against the Investor in accordance with its terms (except as enforcement may be limited by
          applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref63418418"></a>(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Purchase for Investment&#894; Accredited Investor Status; Pre-Existing Relationship</u></font>.&#160; The Investor acknowledges
          that the Shares to be purchased by the Investor pursuant to this Agreement have not been registered under the Securities Act or under any state securities laws and may not be resold or transferred by the Investor without such registration or
          appropriate reliance on any available exemption from such requirements.&#160; The Investor (i) is acquiring the Shares pursuant to an exemption from the registration requirements of the Securities Act and other applicable securities laws solely for
          investment with no present intention to distribute any of the Shares to any Person, (ii) will not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities
          Act and any other applicable securities laws, (iii) has such knowledge and experience in financial and business matters and in investments of this type that it is capable of evaluating the merits and risks of its investment in the Shares and of
          making an informed investment decision and (iv) is an &#8220;accredited investor&#8221; (as that term is defined by Rule 501 under the Securities Act), and (v) is aware that the Company has entered into the Merger Agreement pursuant to which it is required
          to file with the SEC a Registration Statement on Form S-4 (the &#8220;<font style="font-weight: bold;"><u>Registration Statement</u></font>&#8221;), and (vi) began discussions regarding the potential for the Investment by this Agreement with representatives
          of the Company before the Registration Statement was filed with the SEC and Investor&#8217;s purchase of the Shares was not solicited by the Registration Statement or any other filing made by the Company with the SEC.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">21</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref63353794"></a> (d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Brokers and Finders</u></font>.&#160; Neither the Investor, nor its Affiliates nor any of their respective officers or
          directors, has employed any broker or finder or incurred any liability for any financial advisory fees, brokerage fees, commissions or finder&#8217;s fees, and no broker or finder has acted directly or indirectly for the Investor in connection with
          this Agreement or the transactions contemplated hereby.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref64490188"></a>(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Access to Information</u></font>.&#160; The Investor acknowledges that it has been afforded (i) the opportunity to ask such
          questions as it has deemed necessary of, and to receive answers from, representatives of the Company concerning the terms and conditions of the offering of the Shares and the merits and risks of investing in the Shares; (ii) access to information
          about the Company and the Company Subsidiaries and their respective financial condition, results of operations, business, properties, management and prospects; (iii) the opportunity to request such additional information that the Company
          possesses or can acquire without unreasonable effort or expense that it deems necessary to make an informed investment decision with respect to the Investment; and (iv) the opportunity to ask questions of management of the Company. The foregoing,
          however, does not limit or modify the enforceability of Section 5.1 with respect to breaches of the representations and warranties of the Company in Section 2.2 of this Agreement or the right of the Investor to rely on such representations and
          warranties.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref64490189"></a>(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Reliance</u></font>.&#160; The Investor has not relied on any representation or warranty made by any Person by or on
          behalf of the Company, including, without limitation, the Placement Agents, in connection with the Investment other than those contained in this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Placement Agents</u></font>.&#160; The Investor acknowledges that the Placement Agents have not performed any due diligence review on behalf of the
          Investor.&#160; Furthermore, the Investor will purchase the Shares directly from the Company and not from the Placement Agents and understands that neither the Placement Agents nor any other broker or dealer has any obligation to make a market in the
          Common Stock.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Accuracy of Representations</u></font>.&#160; The Investor understands that the Company will rely upon the truth and accuracy of the foregoing
          representations, acknowledgements and agreements in connection with the transactions contemplated by this Agreement and agrees that if any of the representations or acknowledgements made by it are no longer accurate as of the Closing Date, or if
          any of the agreements made by it are breached on or prior to the Closing Date, it shall promptly notify the Company.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">22</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 3.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655910"></a><a name="z_Toc55380685"></a><a name="z_Toc56510581"></a>COVENANTS</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655911"></a><a name="z_Toc55380686"></a><a name="z_Toc56510582"></a><a name="z_Toc63970892"></a><font style="font-weight: bold;">3.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Conduct of Business Prior to Closing</u></font>.&#160; Except as otherwise expressly required or contemplated by this Agreement or applicable Law, or with the prior written consent of the Investor, between the date of this Agreement and
          the Closing, the Company shall, and the Company shall cause each Company Subsidiary to:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;use commercially reasonable efforts to conduct its business only in the ordinary course of business consistent with past practice; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; use commercially reasonable efforts to (i) preserve the present business operations, organization (including officers and employees) and goodwill of the Company and any Company
          Subsidiary and (ii) preserve business relationships with customers, suppliers, consultants and others having business dealings with the Company; provided, however, that nothing in this clause (b) shall place any limit on the ability of the Board
          of Directors to act in accordance with, or require any actions that the Board of Directors may, in good faith, determine to be inconsistent with, its duties or the Company&#8217;s obligations under applicable Law or imposed by any Governmental Entity.</div>
        <div>&#160;</div>
        <div style="text-indent: 72pt;"><a name="z_Toc55380687"></a><a name="z_Toc56510583"></a><a name="z_Toc63970893"></a><a name="z_Hlk60916217"></a><a name="z_Hlk54711438"></a><font style="font-weight: bold;">3.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Use of Proceeds</u></font>.&#160; <a name="z_Hlk54713751"></a>The proceeds received by the Company from the sale of the Shares contemplated hereunder (net of any applicable costs and expenses) will be used in a manner
          consistent in all material respects with the c<a name="z_Hlk62567222"></a>apital deployment plan provided by the Company to the Investor prior to the execution of this Agreement.&#160; The Company will not directly or indirectly use the proceeds of
          the sale of the Common Stock pursuant to transactions contemplated by this Agreement, or lend, contribute or otherwise make available such proceeds to any Company Subsidiary, joint venture partner or other Person, (i) for the purpose of funding,
          financing or facilitating any sales, operations, activities, business or transactions in any Sanctioned Country or with any Sanctioned Person, or (ii) in violation of Anti-Corruption Laws.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-indent: 72pt;"><a name="z_Toc55380688"></a><a name="z_Toc56510584"></a><font style="font-weight: bold;">3.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Regulatory Filings</u></font>.&#160; The Company shall make all filings
          pursuant to any applicable state securities laws and Regulation D of the Securities Act that are required to be made by it in connection with the transactions contemplated by this Agreement.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655912"></a><a name="z_Toc55380689"></a><a name="z_Toc56510585"></a><a name="z_Toc63970895"></a><font style="font-weight: bold;">3.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Confidentiality</u></font>.&#160; The Investor acknowledges that the information being provided to it in connection with the transactions contemplated hereby includes confidential information that has not been publicly disclosed and agrees
          to maintain the confidentiality of the information with the same degree of care that it uses to protect its own similar confidential information unless any such information (i) is or becomes part of the public domain (other than as a result of a
          breach of this Agreement by the Investor), or (ii) is or has been made known or disclosed to the Investor by a third party without, to the knowledge of the Investor, a breach of any confidentiality obligations by such third party; or (iii) as
          required by applicable law or as may be required or requested by any governmental, administrative or regulatory authority pursuant to a regulatory inquiry or investigation or otherwise, provided that in the case of clause (iii), Investor shall
          promptly notify the Company of such request or requirement (to the extent such notice is permitted by law, regulation or regulatory guidance) and exercise reasonable efforts to assist the Company in seeking confidential treatment of such
          confidential information at the sole cost and expense of the Company.&#160; Notwithstanding the foregoing, nothing shall prohibit the Investor from disclosing, without prior notice, any such information to any governmental agency, regulatory authority
          or self-regulatory authority with authority to regulate or oversee any aspect of its business, including (without limitation) bank and securities examiners, in the course of inspections, filings, reviews, examinations or inquiries thereby.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">23</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655913"></a><a name="z_Toc55380690"></a><a name="z_Toc56510586"></a><font style="font-weight: bold;">3.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Publicity</u></font>.&#160;
          The Company shall not disclose the financial or other terms of the transactions contemplated hereby or the name of the Investor or any Affiliate or investment adviser or other adviser of the Investor, without the prior written consent of the
          Investor, provided that the Company may disclose such information to its financial, legal and other advisors who are subject to confidentiality obligations to the Company with respect to such information.&#160; Without limiting the foregoing, the
          Company shall not include the name of the Investor or any Affiliate, investment adviser or other adviser of the Investor in any press release or filing with the SEC or the Nasdaq Stock Market and shall not use any names, trademarks, service marks
          or trade names of the Investor or its Affiliates in any form of advertising and publicity or public statements, without the prior written consent of the Investor. Notwithstanding the foregoing, the Company may disclose such information (i) as
          required by federal securities law in connection with the filing of final transaction documents with the SEC or (ii) to the extent such disclosure is required by applicable law, at the request of the staff of the SEC or at the request of the
          Nasdaq Stock Market regulations, in which case the Company shall promptly provide the Investor with prior written notice of such disclosure and the form of such disclosure shall be subject to the approval of the Investor, such approval not to be
          unreasonably withheld or delayed.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655914"></a><a name="z_Toc55380691"></a><a name="z_Toc56510587"></a><a name="z_Toc63970897"></a><font style="font-weight: bold;">3.6</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Commercially Reasonable Efforts</u></font>.&#160; Upon the terms and subject to the conditions herein provided, except as otherwise provided in this Agreement, each of the Parties hereto agrees to use its commercially reasonable efforts to
          take or cause to be taken all action, to do or cause to be done and to assist and cooperate reasonably with the other Party in doing all things necessary, proper or advisable under applicable Laws to consummate and make effective the transactions
          contemplated hereby, including but not limited to: (a) the satisfaction of the conditions precedent to the obligations of the Parties; (b) the obtaining of applicable Governmental Consents, and consents, waivers and approvals of any other third
          parties; and (c) the execution and delivery of such instruments, and the taking of such other actions as the other Party may reasonably request in order to carry out the intent of this Agreement.&#160; Notwithstanding the foregoing, under no
          circumstances will the Investor be required to disclose to the Company, the Company Subsidiaries or any third party any information the disclosure of which is prohibited by Law, nor shall it be required to agree to any restrictions, conditions or
          commitments imposed or otherwise required by any Governmental Entity that are determined by the Investor in its sole discretion to be unduly burdensome, other than customary passivity commitments, in order to consummate and make effective the
          transactions contemplated hereby.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655915"></a><a name="z_Toc55380692"></a><a name="z_Toc56510588"></a><a name="z_Toc63970898"></a><font style="font-weight: bold;">3.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Legend</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Investor agrees that all certificates or other instruments representing the Shares subject to this Agreement shall bear legends substantially to the following effect, until such
          time as they are not required under Section 3.7(b)</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">24</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; margin-right: 36pt; margin-left: 36pt;">&#8220;THE SHARES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR SECURITIES LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED,
          SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO IS IN EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR SUCH LAWS.&#8221;</div>
        <div>&#160;</div>
        <div style="text-align: justify; margin-right: 36pt; margin-left: 36pt;">&#8220;THE SALE OR TRANSFER OF SHARES OF THE CLASS C COMMON STOCK OF THE CORPORATION IS SUBJECT TO CERTAIN RESTRICTIONS SET FORTH IN THE CERTIFICATE OF INCORPORATION OF THE
          CORPORATION, A COPY OF WHICH MAY BE OBTAINED FROM THE SECRETARY OF THE CORPORATION.&#8221;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref54712182"></a>(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon request of the Investor, the Company shall promptly cause such legends to be removed from any certificate for any Shares to be so transferred if such
          Shares are being transferred pursuant to an exemption from the registration securities requirements of the Securities Act and applicable state Laws, subject to receipt by the Company of an opinion of counsel for the Investor reasonably
          satisfactory to the Company to the effect that such legend is no longer required under the Securities Act and applicable state Laws.&#160; The Investor acknowledges that the sale of the Shares provided for herein has not been registered under the
          Securities Act or under any state securities Laws and agrees that it shall not sell or otherwise dispose of any of the Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any other
          applicable securities Laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655916"></a><a name="z_Toc55380693"></a><a name="z_Toc56510589"></a><a name="z_Toc63970899"></a><font style="font-weight: bold;">3.8</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exchange Listing</u></font>.&#160; <a name="z_Hlk63867427"></a>The Company shall use its reasonable best efforts to cause to be approved for listing on the Nasdaq Stock Market as promptly as possible any shares of Class A Common Stock
          into which Shares of Class C Common Stock are converted in connection with resale of such Shares by the Investor in compliance with the restrictions set forth in the certificate of incorporation of the Company.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655917"></a><a name="z_Toc55380694"></a><a name="z_Toc56510590"></a><a name="z_Toc63970900"></a><font style="font-weight: bold;">3.9</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Authorized Shares</u></font>.&#160; The Company will at all times reserve, free of any preemptive or similar rights of stockholders of the Company, a number of unissued shares of Class A Common Stock, sufficient to convert automatically,
          in accordance with the terms of the certificate of incorporation of the Company, all of the shares of Class C Common Stock then outstanding.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655918"></a><a name="z_Toc55380695"></a><a name="z_Toc56510591"></a><a name="z_Toc63970901"></a><font style="font-weight: bold;">3.10</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Rule 144 Reporting</u></font>.&#160; With a view to making available to the Investor the benefits of certain rules and regulations of the SEC which may permit the sale of the Shares by the Investor without registration under the Securities
          Act upon compliance with the initial holding period and other applicable requirements of Rule 144 under the Securities Act, the Company agrees to use its reasonable best efforts to:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;make and keep adequate current public information with respect to the Company available, as those terms are understood and defined in Rule 144(c)(1) or any similar or analogous rule
          promulgated under the Securities Act, at all times after the effective date of this Agreement;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">25</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 108pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; so long as the Investor owns any of the Shares, furnish to the Investor forthwith upon request: (A) a written statement by the Company as to its compliance with the reporting
          requirements of Rule 144 under the Securities Act, and of the Exchange Act; (B) a copy of the most recent annual or quarterly report of the Company; and (C) such other reports and documents as the Investor may reasonably request in availing
          itself of any rule or regulation of the SEC allowing it to sell any of the Shares without registration; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 108pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; to take such further action as the Investor may reasonably request, all to the extent required from time to time to enable the Investor to sell Shares without registration under the
          Securities Act.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655919"></a><a name="z_Toc55380696"></a><a name="z_Toc63970902"></a><font style="font-weight: bold;">3.11</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Automatic Conversion</u></font>.&#160;

          If the Investor transfers shares of Class C Common Stock held by the Investor to a Person other than the Investor or an Affiliate of the Investor in a transaction that complies with the applicable terms and conditions set forth in the Company&#8217;s
          certificate of incorporation, including the restrictions on transfer contained therein that are intended to cause such shares to qualify as non-voting shares under the applicable requirements and policies of the Board of Governors of the Federal
          Reserve System, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation or any other regulatory body having jurisdiction over the Company or the Bank, then such shares shall immediately and without any further
          action on the part of any Person, automatically convert into shares of Class A Common Stock.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 4.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655920"></a><a name="z_Toc55380697"></a><a name="z_Toc56510592"></a><a name="z_Toc63970903"></a>TERMINATION</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655921"></a><a name="z_Toc55380698"></a><a name="z_Toc56510593"></a><a name="z_Toc63970904"></a><font style="font-weight: bold;">4.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Termination</u></font>.&#160; This Agreement may be terminated prior to the Closing:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by mutual written agreement of the Company and the Investor;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by either Party, upon written notice to the other Party in the event that the Closing does not occur on or before September 1, 2021 (the &#8220;<font style="font-weight: bold;"><u>Termination

              Date</u></font>&#8221;); <u>provided</u>, <u>however</u>, that the right to terminate this Agreement pursuant to this Section 4.1(b) shall not be available to any Party whose failure to fulfill any obligation under this Agreement shall have been
          the cause of, or shall have resulted in, the failure of the Closing to occur on or prior to such date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by either Party, upon written notice to the other Party, (i) in the event that Stockholder Approval is required under applicable Law or the rules and regulations of the Nasdaq Stock
          Market, but has not been obtained on or prior to the closing date of the Merger or (ii) the Authorized Shares Increase Approval has not been obtained on or prior to the closing date of the Merger;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">26</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by the Investor, upon written notice to the Company, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Company in this Agreement, or
          any such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(ii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the
          Termination Date;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by the Company, upon written notice to the Investor, if (i) there has been a breach of any representation, warranty, covenant or agreement made by the Investor in this Agreement, or
          any such representation and warranty shall have become untrue after the date of this Agreement, such that Section 1.2(c)(iii)(A) would not be satisfied and (ii) such breach or condition is not curable or, if curable, is not cured prior to the
          date that would otherwise be the Closing Date in absence of such breach or condition; provided that this Section 4.1(e) shall only apply if the Company is not in material breach of any of the terms of this Agreement; or</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;by any Party, upon written notice to the other Party, in the event that any Governmental Entity shall have issued any order, decree or injunction or taken any other action
          restraining, enjoining or prohibiting any of the transactions contemplated by this Agreement, and such order, decree, injunction or other action shall have become final and non-appealable.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655922"></a><a name="z_Toc55380699"></a><a name="z_Toc56510594"></a><a name="z_Toc63970905"></a><font style="font-weight: bold;">4.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Effects of Termination</u></font>.&#160; In the event of any termination of this Agreement as provided in Section 4.1, this Agreement (other than Section 3.4, this Article 4 and Article 6 of this Agreement, which shall remain in full force
          and effect) shall forthwith become wholly void and of no further force and effect; provided, that nothing herein shall relieve any Party from liability for fraud or willful breach of this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 5.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655923"></a><a name="z_Toc55380700"></a><a name="z_Toc56510595"></a><a name="z_Toc63970906"></a>INDEMNITY</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655924"></a><a name="z_Toc55380701"></a><a name="z_Toc56510596"></a><a name="z_Toc63970907"></a><font style="font-weight: bold;">5.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification by the Company</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; After the Closing, and subject to Sections 5.1(b), 5.3 and 5.4, the Company shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Investor and its
          Affiliates, and their respective successors and assigns, officers, directors, partners, members and employees, as applicable, (the &#8220;<font style="font-weight: bold;"><u>Investor Indemnified Parties</u></font>&#8221;) against and from, and reimburse any
          of the Investor Indemnified Parties for, all Losses that any of the Investor Indemnified Parties may at any time suffer or incur, or become subject to, as a result of or in connection with (1) the inaccuracy or breach of any representation or
          warranty made by the Company in this Agreement or any certificate delivered pursuant hereto or (2) any breach or failure by the Company to perform any of its covenants or agreements contained in this Agreement.&#160; Notwithstanding anything herein to
          the contrary, the obligations of the Company under this Section 5.1(a) shall not be applicable to or inure to the benefit of any transferee of the Common Stock sold pursuant to this Agreement who is not an Affiliate of the Investor.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">27</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Company shall not be required to indemnify, defend or hold harmless any of the Investor Indemnified Parties against, or
          reimburse any of the Investor Indemnified Parties for, any Losses pursuant to Section 5.1(a) (other than Losses arising out of the inaccuracy or breach of any Company Specified Representations) until the aggregate amount of the Investor
          Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a) exceeds $100,000 (the &#8220;<font style="font-weight: bold;"><u>Threshold Amount</u></font>&#8221;),
          upon the occurrence of which the Company shall be obligated for all of the Investor Indemnified Parties&#8217; Losses for which the Investor Indemnified Parties are finally determined to be otherwise entitled to indemnification under Section 5.1(a).&#160;
          Notwithstanding anything to the contrary contained herein, the Company shall not be precluded from bringing or maintaining any claim of intentional, common law fraud by the Investor in making the representations and warranties set forth in
          Section 2.3, and shall not be required to indemnify, defend or hold harmless the Investor Indemnified Parties against, or reimburse the Investor Indemnified Parties for, any Losses pursuant to Section 5.1(a) in a cumulative aggregate amount
          exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; For purposes of Section 5.1(a), in determining whether there has been a breach of a representation or warranty, the Parties hereto shall ignore any &#8220;materiality,&#8221; &#8220;Material Adverse
          Effect&#8221; or similar qualifications.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655925"></a><a name="z_Toc55380702"></a><a name="z_Toc56510597"></a><a name="z_Toc63970908"></a><font style="font-weight: bold;">5.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification by the Investor</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; After the Closing, and subject to Sections 5.2(b), 5.3 and 5.4, the Investor shall indemnify, defend and hold harmless to the fullest extent permitted by Law the Company and its
          respective Affiliates and their respective successors and assigns, officers, directors, partners, members, employees and consultants retained in connection with the transactions contemplated by this Agreement (collectively, the &#8220;<font style="font-weight: bold;"><u>Company Indemnified Parties</u></font>&#8221;) against and from, and reimburse any of the Company Indemnified Parties for, all Losses that the Company Indemnified Parties may at any time suffer or incur, or become
          subject to, as a result of or in connection with (1) the inaccuracy or breach of any representation or warranty made by the Investor in this Agreement or (2) any breach or failure by such Investor to perform any of its covenants or agreements
          contained in this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless any of the Company Indemnified Parties against, or
          reimburse any of the Company Indemnified Parties for any Losses pursuant to Section 5.2(a)(1) until the aggregate amount of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally determined to be otherwise
          entitled to indemnification under Section 5.2(a) exceeds the Threshold Amount, upon the occurrence of which the Investor shall be obligated for all of the Company Indemnified Parties&#8217; Losses for which the Company Indemnified Parties are finally
          determined to be otherwise entitled to indemnification under Section 5.2(a)(1).&#160; Notwithstanding anything to the contrary contained herein, the Investor shall not be required to indemnify, defend or hold harmless the Company Indemnified Parties
          against, or reimburse the Company Indemnified Parties for, any Losses pursuant to Section 5.2(a)(1) in a cumulative aggregate amount exceeding the Purchase Price paid by the Investor to the Company pursuant to Section 1.1 hereof. Notwithstanding
          anything to the contrary contained in this Section 5.2, the Investor shall not be precluded from bringing or maintaining any claim of intentional, common law fraud, fraud under the U.S. securities laws, gross negligence, willful misconduct or bad
          faith in each case by the Company, and shall not be required to indemnify, defend or hold harmless the Company Indemnified Parties for any Losses resulting or arising, in whole or in part, from actions taken by the Company or other Company
          Indemnified Parties that constitute fraud, gross negligence, willful misconduct or bad faith by the Company or the applicable Company Indemnified Party.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">28</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160; For purposes of Section 5.2(a), in determining whether there has been a breach of a representation or warranty, the Parties shall ignore any &#8220;materiality&#8221; or similar qualifications.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655926"></a><a name="z_Toc55380703"></a><a name="z_Toc56510598"></a><a name="z_Toc63970909"></a><font style="font-weight: bold;">5.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Notification of Claims</u></font>.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Any Person that may be entitled to be indemnified under this Article 5 (the &#8220;<font style="font-weight: bold;"><u>Indemnified Party</u></font>&#8221;) shall promptly notify the party or
          parties liable for such indemnification (the &#8220;<font style="font-weight: bold;"><u>Indemnifying Party</u></font>&#8221;) in writing of any claim in respect of which indemnity may be sought hereunder, including any pending or threatened claim or demand
          by a third party that the Indemnified Party has determined has given or could reasonably give rise to a right of indemnification under this Agreement (including a pending or threatened claim or demand asserted by a third party against the
          Indemnified Party) (each, a &#8220;<font style="font-weight: bold;"><u>Third Party Claim</u></font>&#8221;), describing in reasonable detail the facts and circumstances with respect to the subject matter of such claim or demand; provided, however, that the
          failure to provide such notice shall not release the Indemnifying Party from any of its obligations under this Agreement except to the extent that the Indemnifying Party is materially prejudiced by such failure.&#160; The Parties agree that notices
          for claims in respect of a breach of a representation, warranty, covenant or agreement must be delivered prior to the expiration of any applicable survival period specified in Section 6.1 for such representation, warranty, covenant or agreement;
          provided, that if, prior to such applicable date, a Party hereto shall have notified the other Party hereto in accordance with the requirements of this Section 5.3(a) of a claim for indemnification under this Agreement (whether or not formal
          legal action shall have been commenced based upon such claim), such claim shall continue to be subject to indemnification in accordance with this Agreement notwithstanding the passing of such applicable date.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">29</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon receipt of a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) in respect of a Third Party Claim, the Indemnifying Party may, by notice to the
          Indemnified Party delivered within twenty (20) Business Days of the receipt of notice of such Third Party Claim, assume the defense and control of any Third Party Claim, with its own counsel reasonably acceptable to the Indemnified Party and at
          its own expense.&#160; The Indemnified Party shall have the right to employ counsel on its own behalf for, and otherwise participate in the defense of, any such Third Party Claim, but the fees and expenses of its counsel will be at its own expense
          unless (A) the employment of counsel by the Indemnified Party at the Indemnifying Party&#8217;s expense has been authorized in writing by the Indemnifying Party, (B) the Indemnified Party reasonably believes there may be a conflict of interest between
          the Indemnified Party and the Indemnifying Party in the conduct of the defense of such Third Party Claim, (C) the Indemnified Party reasonably believes there are legal defenses available to it that are different from, additional to or
          inconsistent with those available to the Indemnifying Party, or (D) the Indemnifying Party has not in fact employed counsel to assume the defense of such Third Party Claim within a reasonable time after receipt of notice of the commencement of
          such Third Party Claim, in each of which cases the fees and expenses of such Indemnified Party&#8217;s counsel shall be at the expense of the Indemnifying Party; provided, however, that in the event that the Company is required to assume the fees and
          expenses of such Investor Indemnified Party&#8217;s counsel in accordance with the foregoing and such Investor Indemnified Party is similarly situated with any other &#8220;Investor Indemnified Party&#8221; under any of the other stock purchase agreements with
          respect to any Third Party Claim, and does not have any conflict of interest with such Person in the conduct of the defense of such Third Party Claim or have legal defenses available to it that are different from, additional to or inconsistent
          with those available to such Person, such Investor Indemnified Party shall be required to employ the same counsel as such Person and the Company shall be responsible for the fees and expenses of only one such counsel for such Investor Indemnified
          Party and such other Person or Persons (assuming any of clauses (A) through (D) above is satisfied).&#160; The Indemnified Party may take any actions reasonably necessary to defend such Third Party Claim prior to the time that it receives a notice
          from the Indemnifying Party as contemplated by the immediately preceding sentence.&#160; The Indemnified Party shall, and shall cause each of its Affiliates and representatives to, use reasonable best efforts to cooperate with the Indemnifying Party
          in the defense of any Third Party Claim.&#160; The Indemnifying Party shall not, without the prior written consent of the Indemnified Party (which shall not be unreasonably withheld or delayed), consent to a settlement, compromise or discharge of, or
          the entry of any judgment arising from, any Third Party Claim, unless such settlement, compromise, discharge or entry of any judgment does not involve any statement, finding or admission of any fault, culpability, failure to act, violation of Law
          or admission of any wrongdoing by or on behalf of the Indemnified Party, and the Indemnifying Party shall (i) pay or cause to be paid all amounts arising out of such settlement or judgment concurrently with the effectiveness of such settlement or
          judgment (unless otherwise provided in such judgment), (ii) not encumber any of the assets of any Indemnified Party or agree to any restriction or condition that would apply to or materially adversely affect any Indemnified Party or the conduct
          of any Indemnified Party&#8217;s business and (iii) obtain, as a condition of any settlement, compromise, discharge, entry of judgment (if applicable), or other resolution, a complete and unconditional release of each Indemnified Party in form and
          substance reasonably satisfactory to such Indemnified Party from any and all liabilities in respect of such Third Party Claim.&#160; An Indemnified Party shall not settle, compromise or consent to the entry of any judgment with respect to any claim or
          demand for which it is seeking indemnification from the Indemnifying Party or admit to any liability with respect to such claim or demand without the prior written consent of the Indemnifying Party (which consent shall not be unreasonably
          withheld or delayed); provided, that such consent shall not be required if the Indemnifying Party has not fulfilled any material obligations under this Section 5.3(b).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; In the event any Indemnifying Party receives a notice of a claim for indemnity from an Indemnified Party pursuant to Section 5.3(a) that does not involve a Third Party Claim, the
          Indemnifying Party shall notify the Indemnified Party within twenty (20) Business Days following its receipt of such notice whether the Indemnifying Party disputes its liability to the Indemnified Party under this Agreement.&#160; The Indemnified
          Party shall reasonably cooperate with and assist the Indemnifying Party in determining the validity of any such claim for indemnity by the Indemnified Party.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655927"></a><a name="z_Toc55380704"></a><a name="z_Toc56510599"></a><a name="z_Toc63970910"></a><font style="font-weight: bold;">5.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Indemnification Payment</u></font>.&#160; In the event a claim or any Action for indemnification hereunder has been finally determined, the amount of such final determination shall be paid by the Indemnifying Party to the Indemnified Party
          on demand in immediately available funds.&#160; A claim or an Action, and the liability for and amount of damages therefor, shall be deemed to be &#8220;<u>finally determined</u>&#8221; for purposes of this Agreement when the Parties have so determined by mutual
          agreement or, if disputed, when a final non-appealable judicial order has been entered into with respect to such claim or Action.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">30</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655928"></a><a name="z_Toc55380705"></a><a name="z_Toc56510600"></a><a name="z_Toc63970911"></a><font style="font-weight: bold;">5.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Exclusive Remedies</u></font>.&#160; Subject to Section 6.14, except in the cases of actual and intentional, common law fraud under New York law, by a Party in making the representations and warranties set forth in Section 2.2, in the case
          of the Company, and Section 2.3, in the case of Investor, each Party acknowledges and agrees that following the Closing, the indemnification provisions hereunder shall be the sole and exclusive remedies of the Parties for any breach of the
          representations, warranties or covenants contained in this Agreement.&#160; No investigation of the Company by the Investor, or of the Investor by the Company, whether prior to or after the date of this Agreement, shall limit any Indemnified Party&#8217;s
          exercise of any right hereunder or be deemed to be a waiver of any such right.&#160; The Parties agree that any indemnification payment made pursuant to this Agreement shall be treated as an adjustment to the Purchase Price for Tax purposes, unless
          otherwise required by Law.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">ARTICLE 6.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><a name="z_Toc53655929"></a><a name="z_Toc55380706"></a><a name="z_Toc56510601"></a><a name="z_Toc63970912"></a>MISCELLANEOUS</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655930"></a><a name="z_Toc55380707"></a><a name="z_Toc56510602"></a><a name="z_Toc63970913"></a><font style="font-weight: bold;">6.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Survival</u></font>.&#160; The representations and warranties of the Parties contained in this Agreement shall survive in full force and effect until the date that is eighteen (18) months after the Closing Date (or until final resolution
          of any claim or action arising from the breach of any such representation and warranty, if notice of such breach was provided prior to the end of such period), at which time they shall terminate and no claims shall be made for indemnification
          under Section 5.1 or Section 5.2, as applicable, for breaches of representations or warranties thereafter, except the Company Specified Representations (other than the representations and warranties made in Section 2.2(w) and the Investor
          Specified Representations, which shall survive until the expiration of the applicable statute of limitations).&#160; The covenants and agreements set forth in this Agreement shall survive until the expiration of any applicable statute of limitations
          or until performed or no longer operative in accordance with their respective terms.&#160; Notwithstanding the foregoing, the Company Specified Representations shall survive for the period of the applicable statute of limitations.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655931"></a><a name="z_Toc55380708"></a><a name="z_Toc56510603"></a><a name="z_Toc63970914"></a><font style="font-weight: bold;">6.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Other Definitions</u></font>.&#160; Wherever required by the context of this Agreement, the singular shall include the plural and vice versa, and the masculine gender shall include the feminine and neuter genders and vice versa, and
          references to any agreement, document or instrument shall be deemed to refer to such agreement, document or instrument as amended, supplemented or modified from time to time.&#160; In addition, the following terms shall have the meanings assigned to
          them below:</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Affiliate</u></font>&#8221; means, with respect to any Person, any Person directly or indirectly controlling, controlled by or under common
          control with, such other Person provided that no security holder of the Company shall be deemed to be an Affiliate of any other security holder or of the Company or any of the Company Subsidiaries solely by reason of any investment in the Company
          and, for purposes of this definition, &#8220;<font style="font-weight: bold;"><u>control</u></font>&#8221; (including, with correlative meanings, the terms &#8220;<font style="font-weight: bold;"><u>controlling</u></font>&#8221;, &#8220;<font style="font-weight: bold;"><u>controlled

              by</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>under common control with</u></font>&#8221;) when used with respect to any Person, means the possession, directly or indirectly, of the power to cause the direction of management or policies
          of such Person, whether through the ownership of voting securities, by contract or otherwise;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">31</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Agency</u></font>&#8221; means the Federal Housing Administration, the Federal Home Loan Mortgage Corporation, the Farmers Home Administration
          (now known as Rural Housing and Community Development Services), the Federal National Mortgage Association, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of Agriculture or any other federal or
          state agency with authority to (i) determine any investment, origination, lending or servicing requirements with regard to mortgage loans originated, purchased or serviced by the Company or (ii) originate, purchase, or service mortgage loans, or
          otherwise promote mortgage lending, including state and local housing finance authorities;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Board of Directors</u></font>&#8221; means the Board of Directors of the Company;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Business Day</u></font>&#8221; means any day except Saturday, Sunday and any day which shall be a legal holiday or a day on which banking
          institutions in the State of New York or in the State of California generally are authorized or required by Law or other governmental actions to close;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Capital Stock</u></font>&#8221; means the capital stock or other applicable type of equity interest in a Person;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Code</u></font>&#8221; means the Internal Revenue Code of 1986, as amended;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Company Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.2(a), Section 2.2(b), Section
          2.2(c), Section 2.2(d), Section 2.2(y), Section 2.2(aa) and Section 2.2(ii);</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Disclosure Schedule</u></font>&#8221; shall mean a schedule attached hereto delivered by the Company to the Investor setting forth, among other
          things, items the disclosure of which is necessary or appropriate either in response to an express disclosure requirement contained in a provision hereof or as an exception to one or more representations or warranties contained in Section 2.2
          with respect to the Company;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>GAAP</u></font>&#8221; means United States generally accepted accounting principles and practices as in effect from time to time;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Governmental Consent</u></font>&#8221; means any notice to, registration, qualification, designation, declaration or filing with, exemption or
          review by, or authorization, order, consent or approval of, any Governmental Entity, or the expiration or termination of any statutory waiting periods;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Governmental Entity</u></font>&#8221; means any court, administrative agency or commission or other governmental authority or instrumentality,
          whether federal, state, local or foreign, and any applicable industry self-regulatory organization or securities exchange;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">32</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Insurer</u></font>&#8221; means a Person who insures or guarantees for the benefit of the mortgagee all or any portion of the risk of loss upon
          borrower default on any of the mortgage loans originated, purchased or serviced by the Bank, including the Federal Housing Administration, the United States Department of Veterans&#8217; Affairs, the Rural Housing Service of the U.S. Department of
          Agriculture and any private mortgage insurer, and providers of hazard, title or other insurance with respect to such mortgage loans or the related collateral;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Investor Specified Representations</u></font>&#8221; means the representations and warranties made in Section 2.3(a), Section 2.3(b), and
          Section 2.3(c);</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Knowledge</u></font>&#8221; of the Company and words of similar import mean the knowledge, after reasonable inquiry, of any directors or
          executive officers of the Company listed on the Disclosure Schedule hereto;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Loan Investor</u></font>&#8221; means any Person (including an Agency) having a beneficial interest in any mortgage loan originated, purchased
          or serviced by the Bank or a security backed by or representing an interest in any such mortgage loan;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Losses</u></font>&#8221; means any and all losses, damages, reasonable costs, reasonable expenses (including reasonable attorneys&#8217; fees and
          disbursements), liabilities, settlement payments, awards, judgments, fines, obligations, claims, and deficiencies of any kind, excluding special, consequential, exemplary and punitive damages, except where such damages are awarded to a
          third-party pursuant to a final, non-appealable decision issued by a court of competent jurisdiction;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Person</u></font>&#8221; means any individual, firm, corporation, partnership, trust, incorporated or unincorporated association, joint venture,
          joint stock company, limited liability company, Governmental Entity or other entity of any kind, and shall include any successor (by merger or otherwise) of such entity;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Hlk63418287"></a>(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Sanctioned Country</u></font>&#8221; means a country, region or territory which is itself the subject or target of
          any comprehensive Sanctions Laws.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Sanctioned Person</u></font>&#8221; means (a) any Person listed in any sanctions-related list of designated Person maintained by OFAC, the
          U.S. Department of State, or other relevant sanctions authority, (b) any Person, organized or resident in a Sanctioned Country, or (c) any Person owned or controlled by any such Person or Persons described in the foregoing clauses (a) or (b).</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the term &#8220;<font style="font-weight: bold;"><u>Subsidiary</u></font>&#8221; means, with respect to any Person, any corporation, partnership, joint venture, limited liability company or
          other entity (x) of which such Person or a Subsidiary of such Person is a general partner or (y) of which a majority of the voting securities or other voting interests, or a majority of the securities or other interests of which having by their
          terms ordinary voting power to elect a majority of the board of directors or persons performing similar functions with respect to such entity, is directly or indirectly owned or controlled by, by such Person and/or one or more Subsidiaries
          thereof;</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">33</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div style="text-align: justify; text-indent: 72pt;">(u)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Tax</u></font>&#8221; or &#8220;<font style="font-weight: bold;"><u>Taxes</u></font>&#8221; means all United States federal, state, local or foreign income,
          profits, estimated, gross receipts, windfall profits, severance, property, intangible property, occupation, production, sales, use, license, excise, emergency excise, franchise, capital gains, capital stock, employment, withholding, transfer,
          stamp, payroll, goods and services, value added, alternative or add-on minimum tax, or any other tax, custom, duty or governmental fee, or other like assessment or charge of any kind whatsoever, together with any interest, penalties, fines,
          related liabilities or additions to tax that may become payable in respect thereof imposed by any Governmental Entity, whether or not disputed;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Tax Return</u></font>&#8221; means any return, declaration, report or similar statement required to be filed with respect to any Taxes
          (including any attached schedules), including, without limitation, any information return, claim or refund, amended return and declaration of estimated Tax;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160; the term &#8220;<font style="font-weight: bold;"><u>Voting Securities</u></font>&#8221; means at any time shares of any class of Capital Stock of the Company, including but not limited to Voting
          Common Stock (or, after giving effect to the Merger Transactions, Class A Common Stock), and Voting Debt that are then entitled to vote generally in the election of directors;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the word &#8220;<font style="font-weight: bold;"><u>or</u></font>&#8221; is not exclusive;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the words &#8220;<font style="font-weight: bold;"><u>including</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>includes</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>included</u></font>&#8221;
          and &#8220;<font style="font-weight: bold;"><u>include</u></font>&#8221; are deemed to be followed by the words &#8220;without limitation&#8221;;</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(z)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the terms &#8220;<font style="font-weight: bold;"><u>herein</u></font>,&#8221; &#8220;<font style="font-weight: bold;"><u>hereof</u></font>&#8221; and &#8220;<font style="font-weight: bold;"><u>hereunder</u></font>&#8221;
          and other words of similar import refer to this Agreement as a whole and not to any particular section, paragraph or subdivision; and</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(aa)&#160;&#160;&#160;&#160;&#160;&#160; all article, section, paragraph or clause references not attributed to a particular document shall be references to such parts of this Agreement, and all exhibit and schedule
          references not attributed to a particular document shall be references to such exhibits and schedules to this Agreement.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655932"></a><a name="z_Toc55380709"></a><a name="z_Toc56510604"></a><a name="z_Toc63970915"></a><font style="font-weight: bold;">6.3</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Amendment

              and Waivers</u></font>.&#160; The conditions to each Party&#8217;s obligation to consummate the Closing are for the sole benefit of such Party and may be waived by such Party in whole or in part to the extent permitted by Law.&#160; No amendment or waiver of
          any provision of this Agreement will be effective against any Party unless it is in a writing signed by a duly authorized officer of such Party.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655933"></a><a name="z_Toc55380710"></a><a name="z_Toc56510605"></a><a name="z_Toc63970916"></a><font style="font-weight: bold;">6.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Counterparts and Facsimile</u></font>.&#160; For the convenience of the Parties, this Agreement may be executed in any number of separate counterparts, each such counterpart being deemed to be an original instrument, and all such
          counterparts will together constitute the same agreement.&#160; Executed signature pages to this Agreement may be delivered by facsimile and such facsimiles shall be deemed as sufficient as if manually signed signature pages had been delivered.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655934"></a><a name="z_Toc55380711"></a><a name="z_Toc56510606"></a><a name="z_Toc63970917"></a><font style="font-weight: bold;">6.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Governing Law</u></font>.&#160; This Agreement will be governed by and construed in accordance with the Laws of the State of New York applicable to contracts made and to be performed entirely within such State.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">34</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655935"></a><a name="z_Toc55380712"></a><a name="z_Toc56510607"></a><a name="z_Toc63970918"></a> <font style="font-weight: bold;">6.6</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>WAIVER OF JURY TRIAL</u></font>.&#160; TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVESTOR HEREBY IRREVOCABLY WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY RELATING TO THIS
          AGREEMENT, THE TRANSACTIONS CONTEMPLATED HEREBY WHETHER BASED ON CONTRACT, EQUITY, TORT OR ANY OTHER THEORY.&#160; THIS WAIVER OF RIGHT TO TRIAL BY JURY IS GIVEN BY INVESTOR, KNOWINGLY AND VOLUNTARILY WITH THE BENEFIT OF COMPETENT LEGAL COUNSEL.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655936"></a><a name="z_Toc55380713"></a><a name="z_Toc56510608"></a><a name="z_Toc63970919"></a><font style="font-weight: bold;">6.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Notices</u></font>.&#160; Any notice, request, instruction or other document to be given hereunder by any Party to the other will be in writing and will be deemed to have been duly given (a) on the date of delivery if delivered personally
          or facsimile, upon confirmation of receipt, (b) on the first Business Day following the date of dispatch if delivered by a recognized next-day courier service, or (c) on the third Business Day following the date of mailing if delivered by
          registered or certified mail, return receipt requested, postage prepaid, provided that any such notice, request, instruction or other document to be given hereunder shall not be deemed to have been duly given unless and until it is sent via
          electronic mail to the recipient thereof.&#160; All notices hereunder shall be delivered as set forth below, or pursuant to such other instructions as may be designated in writing by the Party to receive such notice.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;If to the Investor:</div>
        <div>&#160;</div>
        <div style="margin-left: 108pt;">J.P. Morgan Chase Community Development Corporation</div>
        <div style="margin-left: 108pt;">c/o JPMorgan Chase Bank, N.A.</div>
        <div style="margin-left: 108pt;">237 Park Avenue, 7<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Floor</div>
        <div style="margin-left: 108pt;">New York, NY 10017-3140</div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8f738ab5d3fe42b29803ea3195fb3bb9">

            <tr>
              <td style="width: 108pt;">&#160;</td>
              <td style="width: 63pt; vertical-align: top;">Telephone:</td>
              <td style="width: auto; vertical-align: top;">
                <div>212 270 2832</div>
              </td>
            </tr>

        </table>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z606be4ae3c0445d7b98ebbde3e16351b">

            <tr>
              <td style="width: 108pt;">&#160;</td>
              <td style="width: 63pt; vertical-align: top;">Attn:</td>
              <td style="width: auto; vertical-align: top;">
                <div>Andrew T. Guida, Managing Director</div>
              </td>
            </tr>

        </table>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8b1dd309728841a9a65cfb09671ba337">

            <tr>
              <td style="width: 108pt;">&#160;</td>
              <td style="width: 63pt; vertical-align: top;">Email:</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div><u>Andrew.t.guida@jpmorgan.com</u></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="text-align: justify; margin-left: 108pt;">With copy (which shall not constitute notice) to:</div>
        <div>&#160;</div>
        <div style="margin-left: 108pt;">JPMorgan Chase Legal Department</div>
        <div style="margin-left: 108pt;">4 New York Plaza, 21<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup> Floor</div>
        <div style="margin-left: 108pt;">New York, NY 10004-2413</div>
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            <tr>
              <td style="width: 108pt;"><br>
              </td>
              <td style="width: 63pt; vertical-align: top;">Telephone:</td>
              <td style="width: auto; vertical-align: top;">
                <div>212 623 2453</div>
              </td>
            </tr>

        </table>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb72b4fd1bc924dfd84c58b1578615518">

            <tr>
              <td style="width: 108pt;"><br>
              </td>
              <td style="width: 63pt; vertical-align: top;">Attn:</td>
              <td style="width: auto; vertical-align: top;">
                <div>Cris T. Kako, Associate General Counsel</div>
              </td>
            </tr>

        </table>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9cfdd8b041f64f9c9ef8fb5ae65f8c14">

            <tr>
              <td style="width: 108pt;"><br>
              </td>
              <td style="width: 63pt; vertical-align: top;">Email:</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div><u>cris.kako@jpmchase.com</u></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="text-align: justify; margin-left: 108pt;">With copy (which shall not constitute notice) to:</div>
        <div>&#160;</div>
        <div style="text-align: justify; margin-left: 108pt;"><a name="z7.9_Amendments_and_Waivers.__Any_term_of"></a><a name="z7.10_Severability.__If_one_or_more_provi"></a><a name="z7.11_Expenses.__Each_of_the_parties_shal"></a><a name="z7.12_Delays_or_Omissions.__No_delay_or_o"></a><a name="z7.13_Entire_Agreement.__The_Transaction_"></a>Wilmer Cutler Pickering Hale and Dorr LLP</div>
        <div style="margin-right: 226.1pt; margin-left: 108pt;">7 World Trade Center 250 Greenwich Street</div>
        <div style="margin-left: 108pt;">New York, New York 10007</div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z80c8ec1574b64e5bbb1eb1a5ec767eee">

            <tr>
              <td style="width: 108pt;"><br>
              </td>
              <td style="width: 63pt; vertical-align: top;">Telephone:</td>
              <td style="width: auto; vertical-align: top;">
                <div>212 230 8800</div>
              </td>
            </tr>

        </table>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z049b27081e7b43448ab3e1ce0784db47">

            <tr>
              <td style="width: 108pt;"><br>
              </td>
              <td style="width: 63pt; vertical-align: top;">Attention:</td>
              <td style="width: auto; vertical-align: top;">
                <div>Lisa Firenze</div>
              </td>
            </tr>

        </table>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf3f3e950bc114fd6b7cf9b2a3e1ad5d2">

            <tr>
              <td style="width: 108pt;"><br>
              </td>
              <td style="width: 63pt; vertical-align: top;">Email:</td>
              <td style="width: auto; vertical-align: top;">
                <div><u>Lisa.Firenze@WilmerHale.com</u></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">35</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt; margin-left: 9pt;">(b)&#160;&#160;&#160;&#160;&#160; If to the Company:</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;"><a name="z_Hlk56512958"></a>Broadway Financial Corporation</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">5055 Wilshire Boulevard, Suite 500</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Los Angeles, California 90036</div>
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            <tr>
              <td style="width: 108pt;"><br>
              </td>
              <td style="width: 63pt; vertical-align: top;">Attn:</td>
              <td style="width: auto; vertical-align: top;">
                <div>Brenda Battey, Chief Financial Officer</div>
              </td>
            </tr>

        </table>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb851ae76803e448eb90530832958d73a">

            <tr>
              <td style="width: 108pt;"><br>
              </td>
              <td style="width: 63pt; vertical-align: top;">Email:</td>
              <td style="width: auto; vertical-align: top;">
                <div><u>bbattey@broadwayfederalbank.com</u></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">with a copy (which copy shall not constitute notice) to:</div>
        <div>&#160;</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Arnold &amp; Porter LLP</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">777 South Figueroa Street,</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">44th Floor</div>
        <div style="margin-right: 72pt; margin-left: 108pt;">Los Angeles, California 90017</div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf7b69bad55c445f39d173307eda46bb4">

            <tr>
              <td style="width: 108pt;"><br>
              </td>
              <td style="width: 63pt; vertical-align: top;">Attn:</td>
              <td style="width: auto; vertical-align: top;">
                <div>James R. Walther, Esq.</div>
              </td>
            </tr>

        </table>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2105d5e4c44c4b55a4d49220d2b49ab8">

            <tr>
              <td style="width: 108pt;"><br>
              </td>
              <td style="width: 63pt; vertical-align: top;">Fax:</td>
              <td style="width: auto; vertical-align: top;">
                <div>213 243 4199</div>
              </td>
            </tr>

        </table>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zab92a91641714d23a4e05e8e0e5f1a55">

            <tr>
              <td style="width: 108pt;"><br>
              </td>
              <td style="width: 63pt; vertical-align: top;">Email:</td>
              <td style="width: auto; vertical-align: top;">
                <div>James.Walther@arnoldporter.com</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655937"></a><a name="z_Toc55380714"></a><a name="z_Toc56510609"></a><a name="z_Toc63970920"></a><font style="font-weight: bold;">6.8</font>&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-weight: bold;"><u>Entire Agreement</u></font>.&#160; This Agreement constitutes the entire agreement, and supersede all other prior agreements, understandings, representations and warranties, inducements or conditions, both written and oral, among the
          Parties, with respect to the subject matter hereof and thereof.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655938"></a><a name="z_Toc55380715"></a><a name="z_Toc56510610"></a><a name="z_Toc63970921"></a><font style="font-weight: bold;">6.9</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Successors and Assigns</u></font>.&#160; This Agreement shall be binding upon and inure to the benefit of the Parties and their respective successors and assigns, including any purchasers of the Common Stock to be issued pursuant to this
          Agreement.&#160; The Company shall not assign this Agreement or any rights or obligations hereunder without the prior written consent of the Investor.&#160; The Investor may assign some or all of its rights hereunder or thereunder without the consent of
          the Company to any Affiliate of the Investor, and such assignee shall be deemed to be an Investor hereunder with respect to such assigned rights and shall be bound by the terms and conditions of this Agreement that apply to the Investor.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655939"></a><a name="z_Toc55380716"></a><a name="z_Toc56510611"></a><a name="z_Toc63970922"></a><font style="font-weight: bold;">6.10</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Captions</u></font>.&#160; The article, section, paragraph and clause captions herein are for convenience of reference only, do not constitute part of this Agreement and will not be deemed to limit or otherwise affect any of the provisions
          hereof.</div>
        <div>&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655940"></a><a name="z_Toc55380717"></a><a name="z_Toc56510612"></a><a name="z_Toc63970923"></a><font style="font-weight: bold;">6.11</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Severability</u></font>.&#160; If any provision of this Agreement or the application thereof to any Person or circumstance is determined by a court of competent jurisdiction to be invalid, void or unenforceable, the remaining provisions
          hereof, or the application of such provision to Persons or circumstances other than those as to which it has been held invalid or unenforceable, will remain in full force and effect and shall in no way be affected, impaired or invalidated
          thereby, so long as the economic or legal substance of the transactions contemplated hereby is not affected in any manner materially adverse to any party.&#160; Upon such determination, the Parties shall negotiate in good faith in an effort to agree
          upon a suitable and equitable substitute provision to effect the original intent of the Parties.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">36</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655941"></a><a name="z_Toc55380718"></a><a name="z_Toc56510613"></a><a name="z_Toc63970924"></a> <font style="font-weight: bold;">6.12</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Third Party Beneficiaries</u></font>.&#160; Nothing contained in this Agreement, expressed or implied, is intended to confer upon any Person other than the Parties, any benefit right or remedies, except that (a) the Placement Agents may
          rely on the representations and warranties of the Company contained herein to the same extent as if they were party to this Agreement and (b) the provisions of Sections 5.1 and 5.2 shall inure to the benefit of the Persons referred to in such
          Sections.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 72pt;"><a name="z_Toc53655942"></a><a name="z_Toc55380719"></a><a name="z_Toc56510614"></a><a name="z_Toc57018206"></a><a name="z_Toc63970925"></a><font style="font-weight: bold;">6.13</font>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Public Announcements</u></font>.&#160; The Investor will not make (and will use its reasonable best efforts to ensure that its Affiliates and representatives do not make) any press or news release or public announcement
          with respect to this Agreement and any of the transactions contemplated hereby, without first consulting with the Company and, in each case, also receiving the Company&#8217;s consent (which shall not be unreasonably withheld, conditioned or delayed);
          provided, however, nothing in this Section 6.13 shall prevent or restrict any disclosure with respect to this Agreement and the transactions contemplated hereby as required by applicable law or as may be required or requested by any governmental,
          administrative or regulatory authority pursuant to a regulatory inquiry or investigation or otherwise.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-indent: 72pt;"><a name="z_Toc53655943"></a><a name="z_Toc55380720"></a><a name="z_Toc56510615"></a><a name="z_Toc63970926"></a><a name="z_Ref64017482"></a><font style="font-weight: bold;">6.14</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>Specific Performance</u></font>.&#160; The Parties agree that irreparable damage would occur in the event that any of the covenants and agreements set forth in this Agreement were not performed in accordance with their
          specific terms.&#160; It is accordingly agreed that the Parties shall be entitled to seek specific performance of the covenants and agreements set forth in this Agreement, this being in addition to any other remedies to which they are entitled at law
          or equity.</div>
        <div style="text-indent: 72pt;">&#160;</div>
        <div style="text-indent: 72pt;"><a name="z_Toc53655944"></a><a name="z_Toc55380721"></a><a name="z_Toc56510616"></a><a name="z_Toc63970927"></a><font style="font-weight: bold;">6.15</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;"><u>No Recourse to
              Other Persons</u></font>.&#160; This Agreement may only be enforced against the named Parties.&#160; All claims or causes of action that may be based upon, arise out of or relate to this Agreement, or the negotiation, execution or performance of this
          Agreement may be made only against the entities that are expressly identified as Parties or that are subject to the terms hereof, and no past, present or future director, officer, employee, incorporator, member, manager, partner, stockholder,
          Affiliate, agent, attorney or representative of any Party (including any person negotiating or executing this Agreement on behalf of a Party) shall have any liability or obligation with respect to this Agreement or with respect to any claim or
          cause of action, whether in tort, contract or otherwise, that may arise out of or relate to this Agreement, or the negotiation, execution or performance of this Agreement and the transactions contemplated hereby.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-style: italic;">[<font style="font-weight: bold;">signature page follows</font>]</div>
        <div style="text-align: center; font-style: italic;"> <br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">37</font></div>
          <div style="page-break-after:always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">IN WITNESS WHEREOF</font><font style="font-size: 10pt;">, the Parties have caused this Agreement to be duly executed by their
            respective authorized officers as of the day and year first above written.</font></div>
        <div>&#160;</div>
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            <tr>
              <td style="width: 50%; vertical-align: top;">
                <div style="font-weight: bold;">BROADWAY FINANCIAL CORPORATION</div>
              </td>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
            </tr>

        </table>
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            <tr>
              <td colspan="3" style="vertical-align: top;">&#160;</td>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                <div>By:</div>
              </td>
              <td style="width: 23%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
              <td style="width: 24%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            </tr>

        </table>
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            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div>Name:</div>
              </td>
              <td style="width: 42%; vertical-align: top;">
                <div>Wayne-Kent A. Bradshaw</div>
              </td>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td style="width: 5%; vertical-align: top;">
                <div>Title:</div>
              </td>
              <td style="width: 42%; vertical-align: top;">
                <div>President and Chief Executive Officer</div>
              </td>
              <td style="width: 50%; vertical-align: top;">&#160;</td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-align: center;">[Stock Purchase Agreement]</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="page-break-after:always;" id="DSPFPageBreak">
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        </div>
        <div><br>
        </div>
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            <tr>
              <td style="width: 50.02%; vertical-align: top;">&#160;</td>
              <td colspan="3" style="vertical-align: top;">
                <div style="font-weight: bold;">J.P. MORGAN CHASE COMMUNITY DEVELOPMENT CORPORATION</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50.02%; vertical-align: top;">&#160;</td>
              <td colspan="3" style="vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50.02%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                <div>By:</div>
              </td>
              <td style="width: 22%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
              <td style="width: 25%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50.02%; vertical-align: top;">&#160;</td>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td colspan="2" style="vertical-align: top;">
                <div>Name:</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50.02%; vertical-align: top;">&#160;</td>
              <td style="width: 3%; vertical-align: top;">&#160;</td>
              <td colspan="2" style="vertical-align: top;">
                <div>Title:</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="text-align: center;">[Stock Purchase Agreement]</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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        </div>
        <div style="text-align: center; font-weight: bold;"><u>Annex A</u></div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><u>Concurrent Other Transactions&#160; - Investors</u></div>
        <div>&#160;</div>
        <div>Ally Ventures, a business unit of Ally Financial Inc.</div>
        <div>&#160;</div>
        <div>Banc of America Strategic Investments Corporation</div>
        <div>&#160;</div>
        <div>Banner Bank</div>
        <div>&#160;</div>
        <div>Cedars-Sinai Medical Center</div>
        <div>&#160;</div>
        <div>Citicorp Banking Corporation</div>
        <div>&#160;</div>
        <div>First Republic Bank</div>
        <div>&#160;</div>
        <div>Grace &amp; White, Inc. Profit Sharing Plan</div>
        <div>&#160;</div>
        <div>Gerald I. White</div>
        <div>&#160;</div>
        <div>Butterfield Trust (Bermuda) Limited as trustee for the following trusts: The Lorraine Grace Will Trust, The Anne Grace Kelly Trust 99, The Gwendolyn Grace Trust 99, The Lorraine L. Grace Trust 99, The Ruth Grace Jervis Millennium Trust</div>
        <div>&#160;</div>
        <div>Texas Capital Community Development Corporation</div>
        <div>&#160;</div>
        <div>Wells Fargo Central Pacific Holdings, Inc.</div>
        <div>&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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        </div>
        <div style="text-align: center; font-weight: bold;">EXHIBIT A</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><u>FORM OF INVESTOR&#8217;S RIGHTS LETTER AGREEMENT</u></div>
        <div>&#160;</div>
        <div>
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            <div>
              <div style="text-align: right; font-weight: bold;">
                <div>EXECUTION VERSION</div>
              </div>
              <div style="text-align: center;"> <br>
              </div>
              <div style="text-align: center;">INVESTOR&#8217;S RIGHTS LETTER AGREEMENT</div>
              <div>&#160;</div>
              <div style="text-align: right; text-indent: 360pt;">April 6, 2021</div>
              <div>&#160;</div>
              <div style="text-align: justify; color: rgb(0, 0, 0);"><a name="z_Hlk61183998"></a><a name="z_Hlk61182720"></a>Broadway Financial Corporation</div>
              <div style="text-align: justify; color: rgb(0, 0, 0);">5055 Wilshire Boulevard, Suite 500</div>
              <div style="text-align: justify; color: rgb(0, 0, 0);">Los Angeles, California 90036</div>
              <div><br>
              </div>
              <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="z5f953fe4863c42a2bf7239afcdd75401">

                  <tr>
                    <td style="width: 5%; vertical-align: top;">
                      <div style="text-align: justify; color: rgb(0, 0, 0);">Attn:</div>
                    </td>
                    <td style="width: 95%; vertical-align: top;">
                      <div style="text-align: justify; color: rgb(0, 0, 0);">Brenda J. Battey,</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 5%; vertical-align: top;">&#160;</td>
                    <td style="width: 95%; vertical-align: top;">
                      <div style="text-align: justify; color: rgb(0, 0, 0);">Executive Vice President &amp; Chief Financial Officer</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 5%; vertical-align: top;">&#160;</td>
                    <td style="width: 95%; vertical-align: top;">&#160;</td>
                  </tr>
                  <tr>
                    <td style="width: 5%; vertical-align: top;">
                      <div>Re:</div>
                    </td>
                    <td style="width: 95%; vertical-align: top;">
                      <div>Investor&#8217;s Rights</div>
                    </td>
                  </tr>

              </table>
              <div> <br>
              </div>
              <div>Ladies and Gentlemen:</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">Reference is made to that certain Stock Purchase Agreement, dated as of February 20, 2021 (the &#8220;<u>Agreement</u>&#8221;), by and between Broadway Financial Corporation, a Delaware corporation
                (the &#8220;<u>Company</u>&#8221;), and J.P. Morgan Chase Community Development Corporation, a Delaware corporation (the &#8220;<u>Investor</u>&#8221;), pursuant to which, after the consummation of the Merger Transactions (as defined in the Agreement), the Company
                has agreed to issue and deliver to the Investor 5,056,179 shares of non-voting Class C common stock of the Company, par value $0.01 per share (the &#8220;<u>Purchased Shares</u>&#8221;) for the Purchase Price. The Company has also issued and delivered
                to the Investor 681,300 shares of Class A Common Stock in exchange for 50,000 shares of voting common stock of CFB pursuant to the Merger Agreement, which were immediately thereafter exchanged for 681,300 shares of Class C Common Stock
                pursuant to that certain Exchange Agreement, between the Investor and the Company (the &#8220;<u>Exchanged Shares</u>&#8221;, and together with the Purchased Shares, the &#8220;<u>Shares</u>&#8221;). This letter agreement memorializes our agreement concerning
                certain legal compliance matters and certain governance rights that the Investor will be entitled to, effective as of the date hereof, in respect of the Investor&#8217;s ownership of the Shares.&#160; Any capitalized terms used herein but not
                otherwise defined herein shall have their respective meanings as set forth in the Agreement.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">1.&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <u>Inspection; Information Rights</u>.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160; &#160;&#160; For so long as the Investor holds an amount of Shares (including Shares the Investor has transferred to any of its Affiliates) equal to at least 50% of the Shares acquired by
                the Investor at the Closing of the Agreement (the foregoing calculation to be adjusted as appropriate for stock splits or other comparable corporate actions), the Company shall permit the Investor, in a manner designed to not interfere with
                the normal business operations of the Company, to visit and inspect the Company&#8217;s properties, to examine its books of account and records and to discuss the Company&#8217;s affairs, finances and accounts with its officers, all at such reasonable
                times during normal business hours as may be requested by the Investor upon reasonable advance notice, and subject to any limitations required by applicable law.</div>
              <div>&#160;</div>
              <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
                <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">1</font></div>
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              </div>
              <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160; &#160; &#160; For so long as the Investor holds an amount of Shares (including Shares the Investor has transferred to any of its Affiliates) equal to at least 50% of the Shares acquired by
                the Investor at the Closing of the Agreement (the foregoing calculation to be adjusted as appropriate for stock splits or other comparable corporate actions), the Company shall deliver to the Investor the following, unless already available
                on the United States Securities and Exchange Commission&#8217;s EDGAR site or successor system:</div>
              <div>&#160;</div>
              <div style="text-align: justify; margin-left: 72pt; text-indent: 36pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; as soon as reasonably practicable, but in any event within 90 days after the end of each fiscal year of the Company, an audited consolidated income statement,
                statement of cash flows and statement of shareholder&#8217;s equity and an audited consolidated balance sheet of the Company, together with all related financial notes thereto, in each case prepared in accordance with GAAP;</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt; margin-left: 72pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; as soon as practicable, but in any event within 45 days after the end of each quarter of each fiscal year of the Company (excluding the fourth quarter of each
                fiscal year), an unaudited consolidated income statement and statement of cash flows and an unaudited consolidated balance sheet as of the end of such fiscal quarter, in each case prepared in accordance with GAAP;</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt; margin-left: 72pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; a statement of the total number of outstanding shares of Common Stock of the Company (a &#8220;<u>Share Count Statement</u>&#8221;) (A) as soon as practicable, but in
                any event within 45 days of the end of each fiscal quarter of the Company (including the fourth fiscal quarter), or at any time as the Investor may reasonably request from time to time, and (B) promptly, but in any event no more than five
                business days, following any (x) decrease in the number of outstanding shares of the Company (excluding outstanding restricted stock awards) or (y) increase in the number of outstanding shares of the Company (excluding outstanding
                restricted stock awards) of more than 1%, in each case, as compared to the most recent Share Count Statement delivered to the Investor;</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt; margin-left: 72pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160;&#160; as soon as reasonably practicable reasonably detailed reports with respect to (A) material legal or compliance matters of which the Company or any of the
                Company Subsidiaries is, or is reasonably expected to become, a party or otherwise subject, or any other matters that may reasonably be expected to adversely impact the reputation of the Company or its investors (any such event, an &#8220;<u>Adverse



                  Compliance/Reputational Matter</u>&#8221;), and (B) any event that has caused, or may reasonably be expected to cause, the Surviving Bank to fail to qualify as a &#8220;minority depository institution&#8221; (as defined under applicable law), provided that
                upon the consummation of the Merger Transactions, the Surviving Bank will not be a &#8220;minority depository institution&#8221;, but shall promptly thereafter apply to be designated as such and as soon as reasonably practicable, inform the Investor
                when the Surviving Bank has been so designated as a &#8220;minority depository institution&#8221;);</div>
              <div>&#160;</div>
              <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
                <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
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              </div>
              <div style="text-align: justify; text-indent: 36pt; margin-left: 72pt;">(v)&#160;&#160;&#160;&#160; &#160; &#160; The Company shall inform the Investor in writing reasonably promptly after receiving any written notice of any inquiry or request from any Government Entity
                relating to whether the Company or any Company Subsidiaries are in compliance with AML Laws, Sanctions Laws, and Anti-Corruption Laws.</div>
              <div>&#160;</div>
              <div style="text-align: justify;">Notwithstanding anything in this letter agreement to the contrary, the Company shall not be obligated pursuant to <u>Sections 1(a</u>) or <u>1(b)(iii)</u> though <u>(v)</u> to provide information (1) that
                it reasonably considers to be confidential competitive information or that is confidential supervisory information, (2) the disclosure of which it reasonably determines (based upon the advice of counsel) will violate applicable Law
                (including applicable bank secrecy laws and similar legislation), or result in the loss of any attorney-client privilege; provided, however, that if the foregoing applies the Company shall use reasonable efforts to make substitute
                disclosure arrangements (including redacting information) that would enable the provision of such information without disclosing such competitive information or confidential supervisory information, violating such Law or losing such
                privilege, (3) that would be materially adverse to the interests of the Company or any of its Subsidiaries in any pending or threatened Action unless the Company and the Investor execute a customary confidentiality agreement relating
                thereto or (4) that would constitute material non-public information for so long as the Company is subject to the reporting requirements of section 13 or 15(d) of the Exchange Act, unless the Company and the Investor execute a customary
                confidentiality agreement relating thereto.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">2.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>AML, OFAC, Anti-Corruption</u>.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;For so long as the Investor holds an amount of Shares (including Shares the Investor has transferred to any of its Affiliates) equal
                to at least 50% of the Shares acquired by the Investor at the Closing of the Agreement, (the foregoing calculation to be adjusted as appropriate for stock splits or other comparable corporate actions), the Company shall, and shall cause
                each of the Company Subsidiaries and its and their respective officers, directors and employees to maintain and use commercially reasonable efforts to enforce policies and procedures reasonably designed to promote compliance with applicable
                AML Laws, Sanctions Laws, and Anti-Corruption Laws.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(0, 0, 0);">3.</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Avoidance of Control</u>.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;"><a name="z_Ref55829110"></a>(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither the Company nor any Company Subsidiary shall take any action (including any redemption, repurchase, or recapitalization of Voting Securities
                or Nonvoting Securities of the Company, or securities or rights, options or warrants to purchase Voting Securities or Nonvoting Securities of the Company, or securities of any type whatsoever that are, or may become, convertible into or
                exchangeable into or exercisable for Voting Securities or Nonvoting Securities of the Company, except where, solely with respect to any such redemption, repurchase or recapitalization of the Common Stock, the Investor is given the right to
                participate in such redemption, repurchase or recapitalization to the extent of the Investor&#8217;s pro rata proportion), that would cause (i) the Voting Securities &#8220;owned&#8221; or &#8220;controlled,&#8221; directly or indirectly, by the Investor or any
                Affiliate of the Investor for purposes of the Bank Holding Company Act, as amended (the &#8220;<u>BHC Act</u>&#8221;) and its implementing regulations (for the avoidance of doubt, excluding any securities owned or controlled in a fiduciary capacity,
                solely for trading purposes, pursuant to an underwriting commitment, in inventory in connection with market making activities, received in lieu of a debt previously contracted if disposed of within the time required by applicable law, and
                such other holdings as may not constitute ownership or control for purposes of the BHC Act, as determined from time to time by interpretations or guidance from the staff of the Board of Governors of the Federal Reserve (the &#8220;<u>Federal
                  Reserve</u>&#8221;)) to increase above 4.9% of the total Voting Securities outstanding, or (ii) the Investor&#8217;s total aggregate ownership percentage of Voting Securities and Nonvoting Securities of the Company to exceed 24.9% of the total issued
                and outstanding equity of the Company, consistent with the restrictions set forth in the Federal Reserve&#8217;s guidance for non-controlling equity investments, without the prior written consent of the Investor; <u>provided</u>, that in the
                event of a sale, merger, consolidation or other similar transaction involving the Company following the Closing , the Company shall not take any action that would cause the Investor to own more than 4.9% of the total Voting Securities, or
                more than 24.9% of the total issued and outstanding equity, of the acquirer or surviving company, as applicable, following consummation of any such transaction.&#160; For the purposes of this letter agreement, &#8220;<u>Voting Securities</u>&#8221; shall
                have such meaning as defined in 12 CFR 225.2(q)(1) and &#8220;<u>Nonvoting Securities</u>&#8221; shall have such meaning as defined in 12 CFR 225.2(q)(2), as may be amended or modified from time to time.</div>
              <div>&#160;</div>
              <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
                <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
                <div style="page-break-after:always;" id="DSPFPageBreak">
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              </div>
              <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(0, 0, 0);">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">In the event that the Company breaches its obligations under this </font><font style="color: rgb(0, 0, 0);"><u>Section 3</u></font><font style="color: rgb(0, 0, 0);"> or believes that it is reasonably likely to breach such obligations, it shall notify the Investor as promptly as reasonably practicable </font>(and, to the extent
                applicable and reasonably practicable, prior to any such breach having occurred)<font style="color: rgb(0, 0, 0);"> and shall cooperate in good faith with the Investor to modify any ownership or other arrangements or take any other action,
                  in each case, as is necessary to cure or avoid such breach.</font></div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">4.&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160; <u>Transfer Rights</u>.&#160; Notwithstanding anything to the contrary in this letter agreement<font style="color: rgb(0, 0, 0);">:</font></div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">the Investor may at any time and from time to time transfer all or any part of its </font><font style="color: rgb(0, 0, 0);">Shares</font><font style="color: rgb(0, 0, 0);"> to any third party, subject to the transfer restrictions set forth in the certificate of incorporation of the Company, and</font></div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;"><font style="color: #000000;">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Investor (or any Affiliate to which the Investor has transferred Shares) may, at any time in its discretion, elect to voluntarily
                surrender to the Company any or all of the Shares (a &#8220;<u>Voluntary Surrender</u>&#8221;). The Company shall, upon written notice of the Investor&#8217;s intention to effect a Voluntary Surrender (the &#8220;<u>Notice of Surrender</u>&#8221;), accept the surrender
                of such Shares as a contribution to the Company for no consideration payable to or by the Investor. The Company shall accept all such Shares specified in the Notice of Surrender as soon as practicable, which surrendered Shares shall be
                retired by the Company for accounting purposes and treated as authorized but unissued shares of the Company. The exercise of a Voluntary Surrender shall be within the Investor&#8217;s sole and exclusive discretion and shall be in addition to, and
                not in lieu of, any other remedies available to the Investor under this letter agreement.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Any such transfer referred to in foregoing clauses (a) and (b) will be made in accordance with applicable federal and state securities laws.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">5.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>Wire Instructions.</u> Pursuant to Section 1.2 of the Agreement, at the Closing, the Investor (or its designee) shall deliver payment of the Purchase Price to the Company by
                wire transfer of immediately available funds to the account set forth on <u>Exhibit A</u>, which such account information shall be delivered by the Company to the Investor at least three Business Days prior to the Closing.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">6.&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <u>Further Assurances</u>. The Company and the Investor each agree to execute and deliver, or cause its respective Affiliates to execute and deliver, such further documents and
                instruments and to take such further actions as may be necessary or desirable and reasonably requested by the other party to carry out the provisions of this letter agreement and perform the obligations herein in compliance with applicable
                law.</div>
              <div>&#160;</div>
              <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
                <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
                <div style="page-break-after:always;" id="DSPFPageBreak">
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              </div>
              <div style="text-align: justify; text-indent: 72pt;">7.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Assignment</u>. This letter agreement may not be assigned (in whole or in part) by the Investor without the prior written consent of the Company and any such assignment
                shall be void and of no force or effect.&#160; Notwithstanding the foregoing, (i) this letter agreement may be assigned (in whole or in part) by the Investor to any of its Affiliates that may hold Shares from time to time<font style="color: rgb(0, 0, 0);">.</font></div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">8.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>Termination</u>. This letter agreement shall automatically terminate and be of no further force and effect upon (a) the date the Investor, or any Affiliate of the Investor,
                ceases to own any <font style="color: rgb(0, 0, 0);">Shares</font> or (b) the liquidation, dissolution or winding up of the Company, or execution by the Company of a general assignment for the benefit of creditors or the appointment of a
                receiver or trustee to take passion of the property or assets of the Company.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">9.&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <u>Third Party Beneficiaries</u>. Nothing contained in this letter agreement, expressed or implied, is intended to confer upon any Person other than the Parties (or any
                Affiliates of the Investor that may hold Shares from time to time), any benefit right or remedies.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">10.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Miscellaneous</u>.&#160; Sections 6.3, 6.4, 6.5 6.6, 6.7, 6.8, 6.10, 6.11, 6.13, 6.14 and 6.15 of the Agreement are incorporated by reference into this letter agreement, <font style="font-style: italic;">mutatis mutandis</font>.</div>
              <div>&#160;</div>
              <div style="text-align: center;">[<font style="font-style: italic;">Signature Page Follows</font>]</div>
              <div>&#160;</div>
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              <div style="margin-left: 36pt;">The parties have executed this letter agreement as of the date first set forth above.</div>
              <div>&#160;</div>
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                    <td style="width: 50%; vertical-align: top;">&#160;</td>
                    <td style="vertical-align: top; width: 50%;">
                      <div style="font-weight: bold;">THE COMPANY:</div>
                    </td>
                  </tr>
                  <tr>
                    <td rowspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
                    <td rowspan="1" style="vertical-align: top; width: 50%;">&#160;</td>
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                  <tr>
                    <td style="width: 50%; vertical-align: top;">&#160;</td>
                    <td style="vertical-align: top; width: 50%;">
                      <div>BROADWAY FINANCIAL CORPORATION</div>
                    </td>
                  </tr>

              </table>
              <div><br>
              </div>
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                    <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
                    <td style="width: 2%; vertical-align: top; padding-bottom: 2px;">
                      <div>By:</div>
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                    <td style="width: 48%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
                    </td>
                  </tr>

              </table>
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                    <td style="width: 50%; vertical-align: top;">&#160;</td>
                    <td style="vertical-align: top; width: 3%;"><br>
                    </td>
                    <td style="vertical-align: top; width: 47%;">
                      <div style="text-align: center;">(Signature)</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 50%; vertical-align: top;" rowspan="1">&#160;</td>
                    <td style="vertical-align: top; width: 3%;" rowspan="1">&#160;</td>
                    <td style="vertical-align: top; width: 47%;" rowspan="1"><br>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
                    <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                      <div>Name:</div>
                    </td>
                    <td style="width: 47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
                    <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                      <div>Title:</div>
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                    <td style="width: 47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
                    </td>
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              </table>
              <div><br>
              </div>
              <div style="text-align: center;">[Investor&#8217;s Rights Letter Agreement]</div>
              <div style="text-align: center;"> <br>
              </div>
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              </div>
              <div>
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                    <tr>
                      <td style="width: 50%; vertical-align: top;">&#160;</td>
                      <td style="vertical-align: top; width: 50%;">
                        <div style="font-weight: bold;">THE INVESTOR:</div>
                      </td>
                    </tr>
                    <tr>
                      <td style="width: 50%; vertical-align: top;">&#160;</td>
                      <td style="vertical-align: top; width: 50%;">&#160;</td>
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                    <tr>
                      <td style="width: 50%; vertical-align: top;">&#160;</td>
                      <td style="vertical-align: top; width: 50%;">
                        <div>J.P. MORGAN CHASE COMMUNITY DEVELOPMENT CORPORATION</div>
                      </td>
                    </tr>

                </table>
                <div><br>
                </div>
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                    <tr>
                      <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
                      <td style="width: 2%; vertical-align: top; padding-bottom: 2px;">
                        <div>By:</div>
                      </td>
                      <td style="width: 48%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
                      </td>
                    </tr>

                </table>
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                    <tr>
                      <td style="width: 50%; vertical-align: top;">&#160;</td>
                      <td style="vertical-align: top; width: 3%;"><br>
                      </td>
                      <td style="vertical-align: top; width: 47%;">
                        <div style="text-align: center;">(Signature)</div>
                      </td>
                    </tr>
                    <tr>
                      <td rowspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
                      <td rowspan="1" style="vertical-align: top; width: 3%;">&#160;</td>
                      <td rowspan="1" style="vertical-align: top; width: 47%;">&#160;</td>
                    </tr>
                    <tr>
                      <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
                      <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                        <div>Name:</div>
                      </td>
                      <td style="width: 47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
                      </td>
                    </tr>
                    <tr>
                      <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
                      <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                        <div>Title:&#160; </div>
                      </td>
                      <td style="width: 47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
                      </td>
                    </tr>

                </table>
                <div><br>
                </div>
                <div style="text-align: center;">[Investor&#8217;s Rights Letter Agreement] </div>
                <div style="text-align: center;"> <br>
                </div>
                <div>
                  <hr noshade="noshade" align="center" style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px auto; color: #000000; text-align: center;"></div>
              </div>
            </div>
          </div>
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        </div>
        <div style="text-align: center; font-weight: bold;">EXHIBIT B</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><u>FORM OF OPINION OF COMPANY COUNSEL</u></div>
        <div>
          <div>
            <hr noshade="noshade" align="center" style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px auto; color: #000000; text-align: center;">
            <div><br>
              <div>[&#160;&#160; ], 2021</div>
              <div>&#160;</div>
              <div>To J.P. Morgan Chase Community Development Corporation</div>
              <div>&#160;</div>
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                  <tr>
                    <td style="width: 36pt;"><br>
                    </td>
                    <td style="width: 19.45pt; vertical-align: top;">Re:</td>
                    <td style="width: auto; vertical-align: top;">
                      <div>Class C Common Stock of Broadway Financial Corporation.</div>
                    </td>
                  </tr>

              </table>
              <div>&#160;</div>
              <div>Ladies and Gentlemen:</div>
              <div>&#160;</div>
              <div style="text-align: justify;">This opinion is being furnished pursuant to Section 1.2(c)(ii)(F) of the Stock Purchase Agreement, dated as of February [&#160;&#160; ], 2021 (the &#8220;<u>Agreement</u>&#8221;), by and between Broadway Financial Corporation, a
                Delaware corporation (the &#8220;<u>Company</u>&#8221;), and J.P. Morgan Chase Community Development Corporation, a Delaware corporation (the &#8220;<u>Investor</u>&#8221;).&#160; Capitalized terms used herein and not otherwise defined shall have the respective
                meanings ascribed to them in the Agreement.</div>
              <div>&#160;</div>
              <div style="text-align: justify;">We have acted as counsel to the Company in connection with the preparation, execution and delivery of the Agreement and in connection with the issuance of the shares contemplated to be issued and sold
                pursuant to the Agreement.&#160; As such counsel, we have examined and are familiar with and have relied upon the following documents:</div>
              <div>&#160;</div>
              <table cellspacing="0" cellpadding="0" id="z2681af5e83a3448ca6fe98b5ff621fb7" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

                  <tr>
                    <td style="width: 36pt;"><br>
                    </td>
                    <td style="width: 36pt; vertical-align: top;">(a)</td>
                    <td style="width: auto; vertical-align: top; text-align: justify;">
                      <div>the Certificate of Incorporation of the Company, as amended to date (the &#8220;<u>Certificate of Incorporation</u>&#8221;) and the Bylaws of the Company, as amended to date (the &#8220;<u>Bylaws</u>&#8221;);</div>
                    </td>
                  </tr>

              </table>
              <div>&#160;</div>
              <table cellspacing="0" cellpadding="0" id="zf740f3c8a58042b1a393edaf8d3a766d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

                  <tr>
                    <td style="width: 36pt;"><br>
                    </td>
                    <td style="width: 36pt; vertical-align: top;">(b)</td>
                    <td style="width: auto; vertical-align: top; text-align: justify;">
                      <div>a Certificate of the Secretary of State of the State of Delaware, dated February [&#160;&#160; ], 2021, attesting to the continued legal existence and corporate good standing of the Company in Delaware (the &#8220;<u>Domestic Certificate</u>&#8221;);</div>
                    </td>
                  </tr>

              </table>
              <div>&#160;</div>
              <table cellspacing="0" cellpadding="0" id="zbd590e0400c34c008785ceb6dfdd2c0e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

                  <tr>
                    <td style="width: 36pt;"><br>
                    </td>
                    <td style="width: 36pt; vertical-align: top;">(c)</td>
                    <td style="width: auto; vertical-align: top; text-align: justify;">
                      <div>a Secretary&#8217;s Certificate from the Company, dated as of the date hereof (the &#8220;<u>Secretary&#8217;s Certificate</u>&#8221;), attesting to the Company&#8217;s Bylaws, certain resolutions adopted by the board of directors of the Company, the
                        incumbency of certain officers of the Company;</div>
                    </td>
                  </tr>

              </table>
              <div>&#160;</div>
              <table cellspacing="0" cellpadding="0" id="z9f883fed209041d48715e9f9731f0be1" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

                  <tr>
                    <td style="width: 36pt;"><br>
                    </td>
                    <td style="width: 36pt; vertical-align: top;">(d)</td>
                    <td style="width: auto; vertical-align: top; text-align: justify;">
                      <div>a Certificate from a senior executive officer of the Company, dated as of the date hereof (the &#8220;<u>Officer&#8217;s Certificate</u>&#8221;), attesting to the accuracy of the Company&#8217;s representations and warranties in the Agreement, the
                        Company&#8217;s performance, satisfaction and compliance with all covenants, agreements and conditions required by the Agreement to be performed, satisfied or complied with by it at or prior to the Closing, no Material Adverse Effect
                        shall have occurred and no change or other event shall have occurred that would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, and as to certain other matters; and</div>
                    </td>
                  </tr>

              </table>
              <div>&#160;</div>
              <table cellspacing="0" cellpadding="0" id="z716341828b134d7c97671e3216500494" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

                  <tr>
                    <td style="width: 36pt;"><br>
                    </td>
                    <td style="width: 36pt; vertical-align: top;">(e)</td>
                    <td style="width: auto; vertical-align: top;">
                      <div>the Agreement, the Investor&#8217;s Rights Letter Agreement dated as of the date hereof, by and between the Company and the Investor and the Exchange Agreement, dated as of the date hereof, by and between the Company and the Investor
                        (such agreements are collectively referred to as the &#8220;<u>Transaction Agreements</u>&#8221;).</div>
                    </td>
                  </tr>

              </table>
              <div>&#160;</div>
              <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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              </div>
              <div style="text-align: justify;">
                <div style="text-align: left;">[&#160;&#160; ], 2021</div>
                <div style="text-align: left;">Page 2</div>
              </div>
              <div style="text-align: justify;"> <br>
              </div>
              <div style="text-align: justify;">In our examination of the documents described above, we have assumed the genuineness of all signatures, the legal capacity of all individual signatories, the completeness of all corporate and stock records
                provided to us, the authenticity of all documents submitted to us as originals, the conformity to original documents of all documents submitted to us as copies, and the authenticity of the originals of such latter documents.</div>
              <div>&#160;</div>
              <div style="text-align: justify;">In rendering this opinion, we have relied, as to all questions of fact material to this opinion, upon certificates of public officials, the Secretary&#8217;s Certificate and Officer&#8217;s Certificate and upon the
                representations and warranties made by the Investor and the Company in the Agreement.&#160; We have not attempted to verify independently such facts.&#160; We have not conducted a search of any electronic databases or the dockets of any court,
                administrative or regulatory body, agency or other filing office in any jurisdiction.</div>
              <div>&#160;</div>
              <div style="text-align: justify;">For purposes of this opinion, we have assumed that the Agreement has been duly authorized, executed and delivered by all parties thereto other than the Company, and that all such other parties have all
                requisite power and authority to effect the transactions contemplated by the Agreement.&#160; We have also assumed that the Agreement is the valid and binding obligation of each party thereto other than the Company and is enforceable against
                such other parties in accordance with its terms.&#160; We do not render any opinion as to the application of any federal or state law or regulation to the power, authority or competence of any party to the Agreement other than the Company.</div>
              <div>&#160;</div>
              <div style="text-align: justify;">For purposes of this opinion we have assumed that the board of directors of the Company has complied with its fiduciary duties in connection with the transactions contemplated by the Agreement.</div>
              <div>&#160;</div>
              <div style="text-align: justify;">Our opinions set forth below are qualified to the extent that they may be subject to or affected by (i) applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent conveyance or similar laws
                relating to or affecting the rights of creditors generally, (ii) statutory or decisional law concerning recourse by creditors to security in the absence of notice or hearing, (iii) duties and standards imposed on creditors and parties to
                contracts, including, without limitation, requirements of good faith, reasonableness and fair dealing, and (iv) general equitable principles.&#160; We express no opinion as to the availability of any equitable or specific remedy upon any breach
                of any of the agreements as to which we are opining herein, or any of the agreements, documents or obligations referred to therein, or to the successful assertion of any equitable defenses, inasmuch as the availability of such remedies or
                the success of any equitable defense may be subject to the discretion of a court.&#160; Other than as specifically mentioned in our opinions below, our opinions do not cover any state securities or &#8220;blue sky&#8221; laws or regulations, any state or
                federal securities antifraud laws or regulations, any state or federal antitrust or unfair competition laws or regulations or any foreign trade or national security laws or regulations, including any relating to the Committee on Foreign
                Investment in the United States.</div>
              <div>&#160;</div>
              <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
                <div id="DSPFPageBreak" style="page-break-after:always;">
                  <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
              </div>
              <div style="text-align: justify;">
                <div style="text-align: left;">[&#160;&#160; ], 2021</div>
                <div style="text-align: left;">Page 3</div>
              </div>
              <div style="text-align: justify;"> <br>
              </div>
              <div style="text-align: justify;">We also express no opinion herein as to any provision of any agreement (a) which may be deemed to or construed to waive any right of the Company, (b) to the effect that rights and remedies are not exclusive,
                that every right or remedy is cumulative and may be exercised in addition to or with any other right or remedy and does not preclude recourse to one or more other rights or remedies, (c) relating to the effect of invalidity or
                unenforceability of any provision of the Agreement on the validity or enforceability of any other provision thereof, (d) requiring the payment of penalties, consequential damages or liquidated damages, (e) which is in violation of public
                policy, including, without limitation, any provision relating to indemnification and contribution with respect to securities law matters, (f) purporting to indemnify any person against his, her or its own negligence or intentional
                misconduct, (g) which provides that the terms of the Agreement may not be waived or modified except in writing or (h) relating to choice of law or consent to jurisdiction.</div>
              <div>&#160;</div>
              <div style="text-align: justify;">Our opinions expressed in paragraph 1 below, insofar as they relate to the valid existence, due qualification and good standing of the Company, are based solely on the Domestic Certificate and are limited
                accordingly, and, as to such matters, our opinions are rendered as of the date of the Domestic Certificate.&#160; We express no opinion as to the tax good standing of the Company in any jurisdiction.</div>
              <div>&#160;</div>
              <div style="text-align: justify;">For purposes of our opinions in paragraphs 5 and 6 below, we have relied upon representations made by the Investor in Section 2.3 of the Agreement, and have assumed (without any independent investigation) the
                accuracy of such representations.&#160; For purposes of our opinions in paragraphs 5 and 6 below, we have also assumed (without any independent investigation) that (i) in connection with the offer and sale of securities to the Investor, neither
                the Company nor any person acting on its behalf has engaged in any form of &#8220;general solicitation or general advertising&#8221; within the meaning contemplated by Rule 502 (c) of Regulation D and (ii) none of the persons or entities identified in
                Rule 506(d)(1) of Regulation D in respect of the Company has engaged in any of the disqualifying activities as described in such Rule that would prevent the Company from relying on Rule 506 of Regulation D or would require disclosure
                pursuant to Rule 506(e) of Regulation D.</div>
              <div>&#160;</div>
              <div style="text-align: justify;">We are opining herein solely as to the Delaware General Corporation Law (the &#8220;<u>DGCL</u>&#8221;), and the federal laws of the United States of America.</div>
              <div>&#160;</div>
              <div style="text-align: justify;">For purposes of our opinions rendered below, we have assumed that the facts and law governing the future performance by the Company of its obligations under the Agreement will be identical to the facts and
                law governing its performance on the date of this opinion.</div>
              <div>&#160;</div>
              <div style="text-align: justify;">Based upon and subject to the foregoing, we are of the opinion that:</div>
              <div>&#160;</div>
              <div>
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                    <tr>
                      <td style="width: 36pt;">&#160;</td>
                      <td style="width: 36pt; vertical-align: top;">
                        <div>1.</div>
                      </td>
                      <td style="width: auto; vertical-align: top;">
                        <div style="text-align: justify;">The Company is a corporation validly existing and in good standing under the laws of the State of Delaware and has all requisite corporate power and authority to conduct its business as it is, to
                          our knowledge, currently conducted, to enter into and perform its obligations under the Transaction Agreements, and to carry out the transactions contemplated by the Transaction Agreements.</div>
                      </td>
                    </tr>

                </table>
              </div>
              <div><br>
              </div>
              <table cellspacing="0" cellpadding="0" id="zb33e408634c3486eb9e25c8ec63ccf1c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

                  <tr>
                    <td style="width: 36pt;"><br>
                    </td>
                    <td style="width: 36pt; vertical-align: top;">2.</td>
                    <td style="width: auto; vertical-align: top; text-align: justify;">
                      <div>As of the date hereof,&#160; the authorized Capital Stock of the Company consists of 75,000,000 shares of Class A Common Stock, par value $0.01 per share, 15,000,000 shares of non-voting Class B Common Stock, par value $0.01 per
                        share, 25,000,000 shares of non-voting Class C Common Stock, par value $0.01 per share (the &#8220;<u>Class C Common Stock</u>&#8221;) and 1,000,000 shares of serial Preferred Stock, par value $0.01 per share.</div>
                    </td>
                  </tr>

              </table>
              <div>&#160;<br>
              </div>
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              <div style="text-align: justify;">
                <div style="text-align: left;">[&#160;&#160; ], 2021</div>
                <div style="text-align: left;">Page 4<br>
                </div>
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              <div> <br>
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                    <td style="width: 36pt;"><br>
                    </td>
                    <td style="width: 36pt; vertical-align: top;">3.</td>
                    <td style="width: auto; vertical-align: top; text-align: justify;">
                      <div>The Class C Common Stock has been duly authorized by all necessary corporate action on the part of the Company; and the Class C Common Stock, when issued, sold and delivered against payment therefor in accordance with the
                        provisions of the Agreement or when issued and delivered in exchange for Class A common shares in accordance with the Exchange Agreement will be duly and validly issued, fully paid and non-assessable.</div>
                    </td>
                  </tr>

              </table>
              <div>&#160;</div>
              <table cellspacing="0" cellpadding="0" id="zc6bc6904f5614738bef638d612419988" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                    <td style="width: 36pt;"><br>
                    </td>
                    <td style="width: 36pt; vertical-align: top;">4.</td>
                    <td style="width: auto; vertical-align: top; text-align: justify;">
                      <div>The execution and delivery by the Company of the Transaction Agreements, and the consummation by the Company of the transactions contemplated thereby, have been duly authorized by all necessary corporate action on the part of the
                        Company, and the Transaction Agreements have been duly executed and delivered by the Company.&#160; The Transaction Agreements constitute the valid and binding obligations of the Company, enforceable against the Company in accordance
                        with its terms.</div>
                    </td>
                  </tr>

              </table>
              <div>&#160;</div>
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                    <td style="width: 36pt;"><br>
                    </td>
                    <td style="width: 36pt; vertical-align: top;">5.</td>
                    <td style="width: auto; vertical-align: top; text-align: justify;">
                      <div>The execution and delivery by the Company of the Transaction Agreements, and the consummation by the Company of the transactions contemplated thereby, do not (a) violate the provisions of any U.S. federal or the DGCL; (b) violate
                        the provisions of the Company&#8217;s Certificate of Incorporation or Bylaws; (c) violate any judgment, decree, order or award of any court, governmental body or arbitrator specifically naming the Company of which we are aware;</div>
                    </td>
                  </tr>

              </table>
              <div>&#160;</div>
              <table cellspacing="0" cellpadding="0" id="za436bb8fb8274e5e8356f90a595af979" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                    <td style="width: 36pt;"><br>
                    </td>
                    <td style="width: 36pt; vertical-align: top;">6.</td>
                    <td style="width: auto; vertical-align: top; text-align: justify;">
                      <div>Based in part on the representations of the Investor in Section 2.3 of the Agreement, the offer, issuance and sale of the Class C Common Stock pursuant to the Agreement are exempt from registration under the Securities Act of
                        1933, as amended, and from registration under all applicable Delaware state securities laws and regulations.</div>
                    </td>
                  </tr>

              </table>
              <div>&#160;</div>
              <div style="text-align: justify;">This opinion is provided to the Investor as a legal opinion only and not as a guaranty or warranty of the matters discussed herein.&#160; This opinion is based upon currently existing statutes, rules, regulations
                and judicial decisions and is rendered as of the date hereof, and we disclaim any obligation to advise you of any change in any of the foregoing sources of law or subsequent developments in law or changes in facts or circumstances which
                might affect any matters or opinions set forth herein.</div>
              <div>&#160;</div>
              <div style="text-align: justify;">This opinion is rendered only to the Investor and is solely for the benefit of the Investor in connection with the transactions contemplated by the Agreement.&#160; This opinion may not be relied upon by the
                Investor for any other purpose, nor may this opinion be quoted to or relied upon by any other person or entity for any purpose without our prior written consent.</div>
              <div>&#160;</div>
              <table cellspacing="0" cellpadding="0" border="0" id="zdc2f3b576ab342248e0f4b6ad87d877e" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

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                    <td style="width: 50%; vertical-align: top;">&#160;</td>
                    <td style="width: 50%; vertical-align: top;">
                      <div style="text-align: justify;">Very truly yours,</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 50%; vertical-align: top;">&#160;</td>
                    <td style="width: 50%; vertical-align: top;">&#160;</td>
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                    <td style="width: 50%; vertical-align: top;">&#160;</td>
                    <td style="width: 50%; vertical-align: top;">
                      <div>ARNOLD &amp; PORTER LLP</div>
                    </td>
                  </tr>

              </table>
              <div><br>
              </div>
              <div>
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        <div style="text-align: center; font-weight: bold;">EXHIBIT C</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;"><u>FORM OF EXCHANGE AGREEMENT</u></div>
        <div>&#160;</div>
        <div>
          <div>
            <hr noshade="noshade" align="center" style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px auto; color: #000000; text-align: center;">
            <div>
              <div style="font-weight: bold;">
                <div style="text-align: right;">EXECUTION VERSION</div>
              </div>
              <div style="text-align: center; font-weight: bold;"><u><br>
                </u></div>
              <div style="text-align: center; font-weight: bold;"><u>SHARE EXCHANGE AGREEMENT</u></div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">This Share Exchange Agreement (the &#8220;<u>Agreement</u>&#8221;) is made on the 6<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> day of April, 2021, by and between
                Broadway Financial Corporation, a Delaware public benefit corporation (the &#8220;<u>Company</u>&#8221;), and J.P. Morgan Chase Community Development Corporation, a Delaware corporation (the &#8220;<u>Stockholder</u>&#8221;).</div>
              <div>&#160;</div>
              <div style="text-align: center;"><u>Introduction</u></div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">WHEREAS, pursuant to that certain Agreement and Plan of Merger (the &#8220;<u>Merger Agreement</u>&#8221;), dated August 25, 2020, by and between the Company and CFBanc Corporation, a District of
                Columbia public benefit corporation (&#8220;<u>CFB</u>&#8221;), the parties thereto have provided for, among other things, (i) the merger of CFB with and into the Company, with the Company continuing as the surviving entity in the merger (the &#8220;<u>Merger</u>&#8221;),



                (ii) <font style="color: rgb(38, 38, 38);">the merger, immediately following the Merger, of Broadway Federal Bank, f.s.b., a wholly owned subsidiary of the Company </font>(the &#8220;<u>Bank</u>&#8221;)<font style="color: rgb(38, 38, 38);">, with and
                  into City First Bank of D.C., National Association (&#8220;</font><font style="color: rgb(38, 38, 38);"><u>CFB Sub</u></font><font style="color: rgb(38, 38, 38);">&#8221;), a wholly owned subsidiary of CFB (the &#8220;</font><font style="color: rgb(38, 38, 38);"><u>Bank Merger</u></font><font style="color: rgb(38, 38, 38);">&#8221; and together with the Merger and </font>the other transactions contemplated by the Merger Agreement, the &#8220;<u>Merger Transactions</u>&#8221;)<font style="color: rgb(38, 38, 38);">, with CFB Sub continuing as the surviving entity,</font> and (iii) the renaming of the Company&#8217;s voting common stock, par value $0.01 per share, to Class A Common Stock (&#8220;<u>Class A Common Stock</u>&#8221;), the creation of a new class
                of non-voting common stock of the Company, par value $0.01 per share, as Class B Common Stock (&#8220;<u>Class B Common Stock</u>&#8221;) and the renaming of the Company&#8217;s currently authorized non-voting common stock, par value $0.01 per share, to
                Class C Common Stock (the &#8220;<u>Class C Common Stock</u>&#8221; and collectively, the &#8220;<u>Common Stock</u>&#8221;);</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">WHEREAS, prior to the consummation of the Merger Transactions the Stockholder held 50,000 shares of CFB&#8217;s voting common stock (the &#8220;<u>Previous Holding</u>&#8221;);</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">WHEREAS, by operation of the Merger Transactions, the Stockholder received 681,300 shares of Class A Common Stock for its Previous Holding;</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">WHEREAS, the consummation of the Merger Transactions is a condition to the closing of the transactions contemplated by the Stock Purchase Agreement, dated as of February 20, 2021, by and
                between the Company and the Stockholder (the &#8220;<u>SPA</u>&#8221;), pursuant to which the Stockholder is purchasing an additional 5,056,179 shares of Class C Common Stock;</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">WHEREAS, the Closing (as defined in Section 2 below) also is a condition to the closing of the transactions contemplated by the SPA;</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">WHEREAS, the Company and the Stockholder will also enter into an Investor&#8217;s Rights Letter Agreement with the Company as a condition to the closing of the transactions contemplated by the
                SPA (the &#8220;<u>IRLA</u>&#8221;);</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">WHEREAS, the parties acknowledge and agree that the transaction described herein is intended to be a non-taxable transaction for U.S. federal income tax purposes.</div>
              <div>&#160;</div>
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              <div style="text-align: justify; text-indent: 36pt;">NOW THEREFORE, in consideration of the promises and mutual covenants herein set forth, and other good and valuable consideration, receipt of which is hereby acknowledged, the parties hereto
                hereby mutually covenant and agree as follows:</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">1.&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <u>Exchange of Class A Common Stock for Class C Common Stock</u>.&#160; Pursuant to the terms and conditions of this Agreement, at the Closing, the Company will issue to <a name="OLE_LINK1"></a>the Stockholder 681,300 shares of Class C Common Stock (the &#8220;<u>Replacement Shares</u>&#8221;), and, in exchange therefor the Stockholder shall transfer to the Company or, if applicable, the transfer agent for the
                Replacement Shares, 681,300 shares of Class A Common Stock (the &#8220;<u>Exchanged Shares</u>&#8221;), free and clear of all liens, encumbrances, pledges and claims of any kind, accompanied by instruments of transfer sufficient to transfer such the
                Exchanged Shares to the Company.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">2.&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <u>Closing</u>.&#160; The closing of the transactions contemplated by Section 1 above (the &#8220;<u>Closing</u>&#8221;) shall take place remotely via the exchange of documents and electronic
                signatures on the date hereof, or at such other time and place as the Company and the Stockholder mutually agree upon, orally or in writing, but in any event before the closing of the transactions contemplated by SPA.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">3.&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; <u>Company Representations</u>. The Company represents and warrants to Investor as follows:</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-style: italic;"><u>Organization; Qualification</u></font>. The Company is a public benefit corporation duly incorporated and validly existing under the laws
                of the State of Delaware. The Company has the corporate power and authority to execute and deliver this Agreement and to perform its obligations hereunder.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-style: italic;"><u>Authorization; Valid and Binding Obligation</u></font>. The board of directors of the Company has approved the transactions contemplated by
                this Agreement, and no other corporate approvals are necessary in connection with the consummation by the Company of the transactions contemplated hereby. The Replacement Shares, when issued and delivered against receipt of the Exchanged
                Shares in accordance with the provisions of this Agreement, shall be duly and validly issued, fully paid and non-assessable. This Agreement has been duly executed and delivered by the Company and constitutes the valid and binding obligation
                of the Company enforceable against the Company in accordance with its terms.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">4.&#160; &#160; &#160;&#160;&#160;&#160;&#160;&#160; <u>Stockholder Representations</u>. The Stockholder represents and warrants to the Company as follows:</div>
              <div>&#160;</div>
              <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-style: italic;"><u>Authorization; Valid and Binding Obligation</u></font>. The Stockholder has full power and authority to execute and deliver this Agreement and to perform its
                obligations hereunder. This Agreement constitutes the valid and binding obligation of the Stockholder, enforceable against it in accordance with its terms, assuming the due authorization, execution and delivery hereof by the Company.</div>
              <div>&#160;</div>
              <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-style: italic;"><u>Title to Shares</u></font><font style="font-style: italic;">.</font> The Stockholder has valid title to the Exchanged Shares, free and clear of all liens,
                restrictions, proxies, voting trusts, voting agreements, encumbrances and claims of any kind. At the Closing, the Company shall acquire valid title to and beneficial and record ownership of the Exchanged Shares being transferred by the
                Stockholder pursuant to this Agreement.</div>
              <div>&#160;</div>
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                <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
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              </div>
              <div style="text-align: justify; text-indent: 36pt;"><a name="z_Hlk64572272"></a>5.&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <u>Tax Treatment</u>.&#160; The parties acknowledge and agree that the transaction described herein is intended to be a non-taxable transaction for U.S.
                federal income tax purposes under Sections 368(a)(1)(E) and 1036(a) of the Internal Revenue Code of 1986, as amended.&#160; Unless required by applicable law, the parties will not take a position contrary this Section 4 on any tax return or
                other interaction with a taxing authority.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">6.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>Amendments and Waivers</u>.&#160; This Agreement may be amended or terminated and the observance of any term of this Agreement may be waived (either generally or in a particular
                instance and either retroactively or prospectively), only with the written consent of the Company and the Stockholder.&#160; No waivers of or exceptions to any term, condition or provision of this Agreement, in any one or more instances, shall
                be deemed to be, or construed as, a further or continuing waiver of any such term, condition or provision.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">7.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <u>Counterparts; Facsimile Signatures</u>.&#160; This Agreement may be executed in any number of counterparts, each of which shall be deemed to be an original, and all of which
                together shall constitute one and the same document.&#160; This Agreement may be executed by facsimile signatures.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">8.&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <u>Section Headings and References</u>.&#160; The section headings are for the convenience of the parties and in no way alter, modify, amend, limit or restrict the contractual
                obligations of the parties.&#160; Any reference in this agreement to a particular section or subsection shall refer to a section or subsection of this Agreement, unless specified otherwise.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">9.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <u>Governing Law</u>.&#160; This Agreement shall be governed by and construed in accordance with the laws of the State of New York.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">10.&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Construction</u>.&#160; The parties hereto have participated jointly in the negotiation and drafting of this Agreement.&#160; In the event an ambiguity or question of intent or
                interpretation arises, this Agreement shall be construed as if drafted jointly by the parties hereto, and no presumption or burden of proof shall arise favoring or disfavoring any party by virtue of the authorship of any of the provisions
                of this Agreement.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">11.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Severability</u>.&#160; If any provision of this Agreement shall be invalid or unenforceable in any jurisdiction, such invalidity or unenforceability shall not affect the
                validity or enforceability of the remainder of this Agreement in that jurisdiction or the validity or enforceability of any provision of this Agreement in any other jurisdiction.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">12.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Entire Agreement</u>.&#160; This Agreement supersedes all prior discussions, understandings and agreements between the parties with respect to the subject matter hereof and this
                Agreement, together with the other Transaction Agreements, contains the sole and entire agreement between the parties to this Agreement with respect to the subject matter hereof.</div>
              <div>&#160;</div>
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                <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
                <div id="DSPFPageBreak" style="page-break-after:always;">
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              </div>
              <div style="text-align: justify; text-indent: 36pt;">13.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Binding Effect; Assignment</u>. The rights and obligations of this Agreement shall bind and inure to the benefit of the parties and their respective successors and permitted
                assigns. The rights and obligations of this Agreement may not be assigned by either of the parties hereto without the prior written consent of the other party, <u>provided</u>, <u>however</u>, that the rights and obligations of this
                Agreement may be assigned (in whole or in part) by the Investor to any of its Affiliates that may hold Shares from time to time. Any assignment in violation of this Section 13 shall be void and of no force or effect.</div>
              <div>&#160;</div>
              <div style="text-align: justify; text-indent: 36pt;">14.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>Capitalized Terms</u>. Capitalized terms defined in the preamble and recitals hereto have the meanings set forth in such definitions. Capitalized terms used but not
                otherwise defined in this Agreement have the meanings assigned to such terms in the SPA.</div>
              <div><br>
              </div>
              <div style="text-align: center; font-size: 12pt;"><font style="font-size: 10pt;">[</font><font style="font-size: 10pt; font-style: italic;">Signature page follows</font><font style="font-size: 10pt;">]</font></div>
              <div><br>
              </div>
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                <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
                <div id="DSPFPageBreak" style="page-break-after:always;">
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              </div>
              <div>Executed on the date first written above.</div>
              <div><br>
              </div>
              <table cellspacing="0" cellpadding="0" border="0" id="z7521f8cd420c41089086f6b0b0cda24a" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

                  <tr>
                    <td style="width: 50%; vertical-align: top;">&#160;</td>
                    <td style="vertical-align: top; width: 50%;">
                      <div style="font-weight: bold;">COMPANY:</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 50%; vertical-align: top;" rowspan="1">&#160;</td>
                    <td style="vertical-align: top; width: 50%;" rowspan="1"><br>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 50%; vertical-align: top;">&#160;</td>
                    <td style="vertical-align: top; width: 50%;">
                      <div>BROADWAY FINANCIAL CORPORATION</div>
                    </td>
                  </tr>

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              <div><br>
              </div>
              <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="z37a018e1472f4022b335cf87d95b6ad5">

                  <tr>
                    <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
                    <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                      <div>By:</div>
                    </td>
                    <td style="width: 25%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
                    </td>
                    <td style="width: 22%; vertical-align: top; padding-bottom: 2px;"><br>
                    </td>
                  </tr>

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              <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="zf6e7312400f24e26a1124bcc1a7dcc46">

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                    <td style="width: 50%; vertical-align: top;">&#160;</td>
                    <td style="width: 5%; vertical-align: top;">&#160;</td>
                    <td style="width: 45%; vertical-align: top;">
                      <div>Name:</div>
                    </td>
                  </tr>
                  <tr>
                    <td style="width: 50%; vertical-align: top;">&#160;</td>
                    <td style="width: 5%; vertical-align: top;">&#160;</td>
                    <td style="width: 45%; vertical-align: top;">
                      <div>Title:</div>
                    </td>
                  </tr>

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              <div>
                <div style="text-align: center;"> <br>
                </div>
                <div style="text-align: center;">[Share Exchange Agreement]</div>
              </div>
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              <div>
                <div>
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                      <tr>
                        <td style="width: 50%; vertical-align: top;">&#160;</td>
                        <td style="vertical-align: top; width: 50%;">
                          <div style="font-weight: bold;">STOCKHOLDER:</div>
                        </td>
                      </tr>
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                        <td style="width: 50%; vertical-align: top;" rowspan="1">&#160;</td>
                        <td style="vertical-align: top; width: 50%;" rowspan="1"><br>
                        </td>
                      </tr>
                      <tr>
                        <td style="width: 50%; vertical-align: top;">&#160;</td>
                        <td style="vertical-align: top; width: 50%;">
                          <div>J.P. MORGAN CHASE COMMUNITY DEVELOPMENT CORPORATION</div>
                        </td>
                      </tr>

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                <div> <br>
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                        <div>By:</div>
                      </td>
                      <td style="width: 25%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
                      </td>
                      <td style="width: 22%; vertical-align: top; padding-bottom: 2px;"><br>
                      </td>
                    </tr>

                </table>
              </div>
              <div>
                <div>
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                      <tr>
                        <td style="width: 50%; vertical-align: top;">&#160;</td>
                        <td style="width: 5%; vertical-align: top;">&#160;</td>
                        <td style="width: 45%; vertical-align: top;">
                          <div>Name:</div>
                        </td>
                      </tr>
                      <tr>
                        <td style="width: 50%; vertical-align: top;">&#160;</td>
                        <td style="width: 5%; vertical-align: top;">&#160;</td>
                        <td style="width: 45%; vertical-align: top;">
                          <div>Title:</div>
                        </td>
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                </div>
                <div><br>
                </div>
              </div>
              <div style="text-align: center;">&#160;[Share Exchange Agreement]</div>
              <div style="text-align: center;"> <br>
              </div>
              <div style="text-align: center;"> <br>
              </div>
              <div>
                <hr noshade="noshade" align="center" style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px auto; color: #000000; text-align: center;"></div>
            </div>
          </div>
        </div>
        <div>
          <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
      </div>
    </div>
  </div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>13
<FILENAME>brhc10022486_ex23-1.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions, Inc.
         Document created using EDGARfilings PROfile 7.4.0.0
         Copyright 1995 - 2021 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <div style="font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
      <div style="text-align: right;">Exhibit 23.1</div>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="font-weight: bold;">Consent of Independent Registered Public Accounting Firm</div>
    <div><br>
    </div>
    <div>We consent to the incorporation by reference in Registration Statements on Form S-8 (No. No. 333-218929 and No. 333&#8209;229415) of our report dated March 31, 2021, relating to
      the consolidated financial statements of Broadway Financial Corporation and Subsidiary, which report appears in the Form 10-K of Broadway Financial Corporation for the year ended December 31, 2020, filed with the Securities and Exchange Commission.</div>
    <div><br>
    </div>
    <div>/s/ Moss Adams LLP</div>
    <div><br>
    </div>
    <div>Los Angeles, California</div>
    <div>March 31, 2021</div>
    <div> <br>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"> </div>
    <div>&#160;</div>
    <div id="DSPFPageFooter">
      <div><br>
      </div>
    </div>
  </div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>14
<FILENAME>brhc10022486_ex31-1.htm
<DESCRIPTION>EXHIBIT 31.1
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions, Inc.
         Document created using EDGARfilings PROfile 7.4.0.0
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  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
    <div>
      <div style="text-align: right;">Exhibit 31.1</div>
      <div style="text-align: center;"> <br>
      </div>
      <div style="text-align: center; font-weight: bold;">SECTION 302 CERTIFICATION</div>
      <div><br>
      </div>
      <div style="text-indent: 13.5pt;">I, Wayne-Kent A. Bradshaw, certify that:</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z2ca0f1463b014d83b9f30b1afcec593c" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;">

            <tr style="vertical-align: top;">
              <td style="width: 13.5pt;">&#160;</td>
              <td style="vertical-align: top; width: 22.5pt;">
                <div style="text-align: left;">1.</div>
              </td>
              <td style="align: left; vertical-align: top; width: auto;">
                <div style="text-align: left;">I have reviewed this annual report on Form 10-K of Broadway Financial Corporation;</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za0e63c08f95441998e9c21c118470179">

          <tr>
            <td style="width: 13.5pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top; align: right;">2.</td>
            <td style="width: auto; vertical-align: top;">
              <div>Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not
                misleading with respect to the period covered by this report;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z41c561a0c0484c0382a3b7c7df7beac3">

          <tr>
            <td style="width: 13.5pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top; align: right;">3.</td>
            <td style="width: auto; vertical-align: top;">
              <div>Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and
                for, the periods presented in this report;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za0e63c819cb346f3a35f1f7e9c0f458e">

          <tr>
            <td style="width: 13.5pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top; align: right;">4.</td>
            <td style="width: auto; vertical-align: top;">
              <div>The registrant&#8217;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting
                (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-indent: -9pt; margin-left: 45pt;">a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the
        registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;</div>
      <div><br>
      </div>
      <div style="text-indent: -9pt; margin-left: 45pt;">b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding
        the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</div>
      <div><br>
      </div>
      <div style="text-indent: -9pt; margin-left: 45pt;">c) Evaluated the effectiveness of the registrant&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures,
        as of the end of the period covered by this report based on such evaluation; and</div>
      <div><br>
      </div>
      <div style="text-indent: -9pt; margin-left: 45pt;">d) Disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fourth fiscal
        quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting; and</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8d2eeb3a1ea2465e80310b6b81a07a35">

          <tr>
            <td style="width: 13.5pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top; align: right;">5.</td>
            <td style="width: auto; vertical-align: top;">
              <div>The registrant&#8217;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of the registrant&#8217;s board of directors
                (or persons performing the equivalent functions):</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-indent: -9pt; margin-left: 45pt;">a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#8217;s
        ability to record, process, summarize and report financial information; and</div>
      <div><br>
      </div>
      <div style="text-indent: -9pt; margin-left: 45pt;">b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7c465ad7e92b4b7e94c092de3cf3525a">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">Date:</td>
            <td style="width: auto; vertical-align: top;">
              <div>March 31, 2021</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z30f8cd642d4144abbeecbb1de279231d">

          <tr>
            <td style="width: 6%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 30%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>/s/ Wayne-Kent A. Bradshaw</div>
            </td>
            <td style="width: 64%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 6%; vertical-align: top;">&#160;</td>
            <td style="width: 30%; vertical-align: top;">
              <div>Wayne-Kent A. Bradshaw</div>
            </td>
            <td style="width: 64%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 6%; vertical-align: top;">&#160;</td>
            <td style="width: 30%; vertical-align: top;">
              <div>Chief Executive Officer</div>
            </td>
            <td style="width: 64%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 6%; vertical-align: top;">&#160;</td>
            <td style="width: 30%; vertical-align: top;">
              <div>Broadway Financial Corporation</div>
            </td>
            <td style="width: 64%; vertical-align: top;">&#160;</td>
          </tr>

      </table>
      <div> <br>
      </div>
      <div>
        <div><br>
        </div>
        <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"> </div>
    </div>
  </div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>15
<FILENAME>brhc10022486_ex31-2.htm
<DESCRIPTION>EXHIBIT 31.2
<TEXT>
<html>
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    <title></title>
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         Document created using EDGARfilings PROfile 7.4.0.0
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  <div>
    <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
    <div>
      <div style="text-align: right;">Exhibit 31.2</div>
      <div style="text-align: center;"> <br>
      </div>
      <div style="text-align: center; font-weight: bold;">SECTION 302 CERTIFICATION</div>
      <div><br>
      </div>
      <div style="text-indent: 13.5pt;">I, Brenda Battey, certify that:</div>
      <div><br>
      </div>
      <div>
        <div>
          <div>
            <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="zdd6a950673c9404287a87835702c2048" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;">

                <tr style="vertical-align: top;">
                  <td style="width: 13.5pt;">&#160;</td>
                  <td style="vertical-align: top; width: 22.5pt;">
                    <div style="text-align: left;">1.</div>
                  </td>
                  <td style="align: left; vertical-align: top; width: auto;">
                    <div style="text-align: left;">I have reviewed this annual report on Form 10-K of Broadway Financial Corporation;</div>
                  </td>
                </tr>

            </table>
          </div>
        </div>
      </div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8de50265a03a4b4ab2aff82d7ba315a2">

          <tr>
            <td style="width: 13.5pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top; align: right;">2.</td>
            <td style="width: auto; vertical-align: top;">
              <div>Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not
                misleading with respect to the period covered by this report;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb99a1854b7454f0b8fda7678afe5faf4">

          <tr>
            <td style="width: 13.5pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top; align: right;">3.</td>
            <td style="width: auto; vertical-align: top;">
              <div>Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and
                for, the periods presented in this report;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd06c726145784ac6b748f86a93792cec">

          <tr>
            <td style="width: 13.5pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top; align: right;">4.</td>
            <td style="width: auto; vertical-align: top;">
              <div>The registrant&#8217;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting
                (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-indent: -9pt; margin-left: 45pt;">a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the
        registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;</div>
      <div><br>
      </div>
      <div style="text-indent: -9pt; margin-left: 45pt;">b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding
        the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</div>
      <div><br>
      </div>
      <div style="text-indent: -9pt; margin-left: 45pt;">c) Evaluated the effectiveness of the registrant&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures,
        as of the end of the period covered by this report based on such evaluation; and</div>
      <div><br>
      </div>
      <div style="text-indent: -9pt; margin-left: 45pt;">d) Disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fourth fiscal
        quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting; and</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5a93a0447055446f9d57076a9ba157db">

          <tr>
            <td style="width: 13.5pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top; align: right;">5.</td>
            <td style="width: auto; vertical-align: top;">
              <div>The registrant&#8217;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of the registrant&#8217;s board of directors
                (or persons performing the equivalent functions):</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-indent: -9pt; margin-left: 45pt;">a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#8217;s
        ability to record, process, summarize and report financial information; and</div>
      <div><br>
      </div>
      <div style="text-indent: -9pt; margin-left: 45pt;">b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zeb97bf188f7a4ccdaf9e397fe363b41f">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">Date:</td>
            <td style="width: auto; vertical-align: top;">
              <div>March 31, 2021</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z6adf622d2e8e41ebb07ec9c431aa5f0a">

          <tr>
            <td style="width: 6%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 28%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>/s/ Brenda J. Battey</div>
            </td>
            <td style="width: 66%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 6%; vertical-align: top;">&#160;</td>
            <td style="width: 28%; vertical-align: top;">
              <div>Brenda J. Battey</div>
            </td>
            <td style="width: 66%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 6%; vertical-align: top;">&#160;</td>
            <td style="width: 28%; vertical-align: top;">
              <div>Chief Financial Officer</div>
            </td>
            <td style="width: 66%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 6%; vertical-align: top;">&#160;</td>
            <td style="width: 28%; vertical-align: top;">
              <div>Broadway Financial Corporation</div>
            </td>
            <td style="width: 66%; vertical-align: top;">&#160;</td>
          </tr>

      </table>
      <div> <br>
      </div>
      <br>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>16
<FILENAME>brhc10022486_ex32-1.htm
<DESCRIPTION>EXHIBIT 32.1
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions, Inc.
         Document created using EDGARfilings PROfile 7.4.0.0
         Copyright 1995 - 2021 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
    <div>
      <div style="text-align: right;">Exhibit 32.1</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">SECTION 906 CERTIFICATION</div>
      <div><br>
      </div>
      <div>The following statement is provided by the undersigned to accompany the foregoing Report on Form 10-K pursuant to 18 U.S.C. Section 1350 as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, and shall not be deemed filed pursuant
        to any provision of the Securities Exchange Act of 1934 or any other securities law.</div>
      <div><br>
      </div>
      <div>The undersigned certifies that the foregoing Report on Form 10-K fully complies with the requirements of Section 13(a) of the Securities Exchange Act of 1934 (15 U.S.C. Section 78) and that the information contained in the Form 10-K fairly
        presents, in all material respects, the financial condition and results of operations of Broadway Financial Corporation as of and for the year ended December 31, 2020.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="z3d40afcefcd34efd88e6d84a7fe5742b">

          <tr>
            <td style="width: 47%; vertical-align: top; padding-bottom: 2px;">
              <div>Date:&#160; March 31, 2021</div>
            </td>
            <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
              <div>By:</div>
            </td>
            <td style="width: 40%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>/s/ Wayne-Kent A. Bradshaw</div>
            </td>
            <td style="width: 10%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 47%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">
              <div>Wayne-Kent A. Bradshaw</div>
            </td>
          </tr>
          <tr>
            <td style="width: 47%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">
              <div>Chief Executive Officer</div>
            </td>
          </tr>
          <tr>
            <td style="width: 47%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">
              <div>Broadway Financial Corporation</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div><br>
      </div>
      <div>
        <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    </div>
  </div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>17
<FILENAME>brhc10022486_ex32-2.htm
<DESCRIPTION>EXHIBIT 32.2
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions, Inc.
         Document created using EDGARfilings PROfile 7.4.0.0
         Copyright 1995 - 2021 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
    <div>
      <div style="text-align: right;">Exhibit 32.2</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">SECTION 906 CERTIFICATION</div>
      <div><br>
      </div>
      <div>The following statement is provided by the undersigned to accompany the foregoing Report on Form 10-K pursuant to 18 U.S.C. Section 1350 as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, and shall not be deemed filed pursuant
        to any provision of the Securities Exchange Act of 1934 or any other securities law.</div>
      <div><br>
      </div>
      <div>The undersigned certifies that the foregoing Report on Form 10-K fully complies with the requirements of Section 13(a) of the Securities Exchange Act of 1934 (15 U.S.C. Section 78) and that the information contained in the Form 10-K fairly
        presents, in all material respects, the financial condition and results of operations of Broadway Financial Corporation as of and for the year ended December 31, 2020.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="z29967b57332d4d85b1dafa3862629b21">

          <tr>
            <td style="width: 47%; vertical-align: top; padding-bottom: 2px;">
              <div>Date:&#160; March 31, 2021</div>
            </td>
            <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
              <div>By:</div>
            </td>
            <td style="width: 40%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>/s/ Brenda J. Battey</div>
            </td>
            <td style="width: 10%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 47%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">
              <div>Brenda J. Battey</div>
            </td>
          </tr>
          <tr>
            <td style="width: 47%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">
              <div>Chief Financial Officer</div>
            </td>
          </tr>
          <tr>
            <td style="width: 47%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">
              <div>Broadway Financial Corporation</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div><br>
      </div>
      <div>
        <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    </div>
  </div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.4
<SEQUENCE>18
<FILENAME>brhc10022486_ex99-4.htm
<DESCRIPTION>EXHIBIT 99.4
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions, Inc.
         Document created using EDGARfilings PROfile 7.4.0.0
         Copyright 1995 - 2021 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
    <div>
      <div style="text-align: right;">Exhibit 99.4</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">TARP CERTIFICATION FOR YEAR 2020</div>
      <div><br>
      </div>
      <div>I, Wayne-Kent A. Bradshaw, certify, based on my knowledge, that:</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z86da659b75714e02865906c864cec10b">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(i)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The compensation committee of Broadway Financial Corporation has discussed, reviewed, and evaluated with senior risk officers at least every six months during any part of the most recently completed fiscal year that was a TARP period,
                senior executive officer (&#8220;SEO&#8221;) compensation plans and employee compensation plans and the risks these plans pose to Broadway Financial Corporation;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc7744c69275c42dfbcbe53e131b8673b">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(ii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The compensation committee of Broadway Financial Corporation has identified and limited during any part of the most recently completed fiscal year that was a TARP period any features in the SEO compensation plans that could lead SEOs to
                take unnecessary and excessive risks that could threaten the value of Broadway Financial Corporation and identified any features in the employee compensation plans that pose risks to Broadway Financial Corporation and limited those features
                to ensure that Broadway Financial Corporation is not unnecessarily exposed to risks;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z39617a8ab3d646a680ee462d65c1eff0">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(iii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The compensation committee has reviewed, at least every six months during any part of the most recently completed fiscal year that was a TARP period, the terms of each employee compensation plan and identified the features in the plan
                that could encourage the manipulation of reported earnings of Broadway Financial Corporation to enhance the compensation of an employee, and has limited these features that would encourage the manipulation of reported earnings of Broadway
                Financial Corporation;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4c2c84e0ef5f47258742856fc0d745ac">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(iv)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The compensation committee of Broadway Financial Corporation will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and (iii) above;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9a84a30e994f44c5a354e97237887128">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(v)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The compensation committee of Broadway Financial Corporation will provide a narrative description of how it limited during any part of the most recently completed fiscal year that was a TARP period the features in:</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf8e7bb3f06c34595ac9d71ccaf10627a">

          <tr>
            <td style="width: 54pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right;">a)</td>
            <td style="width: auto; vertical-align: top;">
              <div>SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of Broadway Financial Corporation;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z382252ba7ef34d9cb30a1154f439efa5">

          <tr>
            <td style="width: 54pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right;">b)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Employee compensation plans that unnecessarily expose Broadway Financial Corporation to risks; and</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb546c5da12da4dd2bfd4d9694c9eb5cc">

          <tr>
            <td style="width: 54pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top; align: right;">c)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Employee compensation plans that could encourage the manipulation of reported earnings of Broadway Financial Corporation to enhance the compensation of an employee;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z895dc7dcb99a4b7cb6cab25893175667">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(vi)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation has required that bonus payments to SEOs or any of the next twenty most highly compensated employees, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), be
                subject to a recovery or &#8220;clawback&#8221; provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were based on materially inaccurate financial statements or any other materially
                inaccurate performance metric criteria;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9827d523000347dd809e754da9788ea9">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(vii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation has prohibited any golden parachute payment, as defined in the regulations and guidance established under section 111 of EESA, to a SEO or any of the next five most highly compensated employees during any
                part of the most recently completed fiscal year that was a TARP period;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z004a727eef68428c8b535c6541a5c3a0">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(viii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established thereunder during any part of the most recently completed fiscal
                year that was a TARP period;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6f6e03d4e7bb4a599457e922458b2146">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(ix)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, during any part of the most recently
                completed fiscal year that was a TARP period, and that any expenses requiring approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly
                approved;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zacbae4e7fba0498f98a9a7dd0e26289a">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(x)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation will permit a non-binding shareholder resolution in compliance with any applicable Federal securities rules and regulations on the disclosures provided under the Federal securities laws related to SEO
                compensation paid or accrued during any part of the most recently completed fiscal year that was a TARP period;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1a740bf90e3141b689c9ac1e1d684aad">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(xi)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation will disclose the amount, nature, and justification for the offering, during any part of the most recently completed fiscal year that was a TARP period, of any perquisites, as defined in the regulations and
                guidance established under section 111 of EESA, whose total value exceeds $25,000 for each employee subject to the bonus payment limitations identified in paragraph (viii);</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze00ecf50eb2f454b9b59d6c091b4f739">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(xii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation will disclose whether Broadway Financial Corporation, the board of directors of Broadway Financial Corporation, or the compensation committee of Broadway Financial Corporation has engaged during any part of
                the most recently completed fiscal year that was a TARP period a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3a3c983865f344bcb6d838fa83c5b401">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(xiii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the SEOs and the next twenty most highly compensated employees during any
                part of the most recently completed fiscal year that was a TARP period;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7b2759515ad24a15a093ba4a3ca9d22e">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(xiv)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation has substantially complied with all other requirements related to employee compensation that are provided in the agreement between Broadway Financial Corporation and Treasury, including any amendments;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf7a1246b3d2941dabb2e0e60e27b396b">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(xv)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the current fiscal year, with the non-SEOs ranked in descending order of level of
                annual compensation, and with the name, title, and employer of each SEO and most highly compensated employee identified; and</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2dd51819de1f4821a2db80e86e9ddb08">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(xvi)</td>
            <td style="width: auto; vertical-align: top;">
              <div>I understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both.</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="z87b7f29c3fea45508118dc4ae47329f8">

          <tr>
            <td style="width: 8%; vertical-align: top;">
              <div>Date:</div>
            </td>
            <td colspan="2" style="vertical-align: top;">
              <div>March 31, 2021</div>
            </td>
          </tr>
          <tr>
            <td style="width: 8%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 8%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>&#160;/s/ Wayne-Kent A. Bradshaw</div>
            </td>
            <td style="width: 60%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 8%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">
              <div>Wayne-Kent A. Bradshaw</div>
            </td>
          </tr>
          <tr>
            <td style="width: 8%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">
              <div>Chief Executive Officer</div>
            </td>
          </tr>
          <tr>
            <td style="width: 8%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">
              <div>Broadway Financial Corporation</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <br>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"> </div>
  </div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.5
<SEQUENCE>19
<FILENAME>brhc10022486_ex99-5.htm
<DESCRIPTION>EXHIBIT 99.5
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions, Inc.
         Document created using EDGARfilings PROfile 7.4.0.0
         Copyright 1995 - 2021 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <div>
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    <div>
      <div style="text-align: right;">Exhibit 99.5</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">TARP CERTIFICATION FOR YEAR 2020</div>
      <div><br>
      </div>
      <div>I, Brenda Battey, certify, based on my knowledge, that:</div>
      <div><br>
      </div>
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            <td style="width: 22.5pt; vertical-align: top;">(i)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The compensation committee of Broadway Financial Corporation has discussed, reviewed, and evaluated with senior risk officers at least every six months during any part of the most recently completed fiscal year that was a TARP period,
                senior executive officer (&#8220;SEO&#8221;) compensation plans and employee compensation plans and the risks these plans pose to Broadway Financial Corporation;</div>
            </td>
          </tr>

      </table>
      <div><br>
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            <td style="width: 22.5pt; vertical-align: top;">(ii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The compensation committee of Broadway Financial Corporation has identified and limited during any part of the most recently completed fiscal year that was a TARP period any features in the SEO compensation plans that could lead SEOs to
                take unnecessary and excessive risks that could threaten the value of Broadway Financial Corporation and identified any features in the employee compensation plans that pose risks to Broadway Financial Corporation and limited those features
                to ensure that Broadway Financial Corporation is not unnecessarily exposed to risks;</div>
            </td>
          </tr>

      </table>
      <div><br>
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            <td style="width: 22.5pt; vertical-align: top;">(iii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The compensation committee has reviewed, at least every six months during any part of the most recently completed fiscal year that was a TARP period, the terms of each employee compensation plan and identified the features in the plan
                that could encourage the manipulation of reported earnings of Broadway Financial Corporation to enhance the compensation of an employee, and has limited these features that would encourage the manipulation of reported earnings of Broadway
                Financial Corporation;</div>
            </td>
          </tr>

      </table>
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            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 22.5pt; vertical-align: top;">(iv)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The compensation committee of Broadway Financial Corporation will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and (iii) above;</div>
            </td>
          </tr>

      </table>
      <div><br>
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            <td style="width: 22.5pt; vertical-align: top;">(v)</td>
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              <div>The compensation committee of Broadway Financial Corporation will provide a narrative description of how it limited during any part of the most recently completed fiscal year that was a TARP period the features in:</div>
            </td>
          </tr>

      </table>
      <div><br>
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            <td style="width: 18pt; vertical-align: top; align: right;">a)</td>
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              <div>SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of Broadway Financial Corporation;</div>
            </td>
          </tr>

      </table>
      <div><br>
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            <td style="width: 18pt; vertical-align: top; align: right;">b)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Employee compensation plans that unnecessarily expose Broadway Financial Corporation to risks; and</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
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            <td style="width: 18pt; vertical-align: top; align: right;">c)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Employee compensation plans that could encourage the manipulation of reported earnings of Broadway Financial Corporation to enhance the compensation of an employee;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
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            <td style="width: 22.5pt; vertical-align: top;">(vi)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation has required that bonus payments to SEOs or any of the next twenty most highly compensated employees, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), be
                subject to a recovery or &#8220;clawback&#8221; provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were based on materially inaccurate financial statements or any other materially
                inaccurate performance metric criteria;</div>
            </td>
          </tr>

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      <div><br>
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            <td style="width: 22.5pt; vertical-align: top;">(vii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation has prohibited any golden parachute payment, as defined in the regulations and guidance established under section 111 of EESA, to a SEO or any of the next five most highly compensated employees during any
                part of the most recently completed fiscal year that was a TARP period;</div>
            </td>
          </tr>

      </table>
      <div><br>
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            <td style="width: 22.5pt; vertical-align: top;">(viii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established thereunder during any part of the most recently completed fiscal
                year that was a TARP period;</div>
            </td>
          </tr>

      </table>
      <div><br>
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            <td style="width: 22.5pt; vertical-align: top;">(ix)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, during any part of the most recently
                completed fiscal year that was a TARP period, and that any expenses requiring approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly
                approved;</div>
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            <td style="width: 22.5pt; vertical-align: top;">(x)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation will permit a non-binding shareholder resolution in compliance with any applicable Federal securities rules and regulations on the disclosures provided under the Federal securities laws related to SEO
                compensation paid or accrued during any part of the most recently completed fiscal year that was a TARP period;</div>
            </td>
          </tr>

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      <div><br>
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            <td style="width: 22.5pt; vertical-align: top;">(xi)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation will disclose the amount, nature, and justification for the offering, during any part of the most recently completed fiscal year that was a TARP period, of any perquisites, as defined in the regulations and
                guidance established under section 111 of EESA, whose total value exceeds $25,000 for each employee subject to the bonus payment limitations identified in paragraph (viii);</div>
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          </tr>

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            <td style="width: 22.5pt; vertical-align: top;">(xii)</td>
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              <div>Broadway Financial Corporation will disclose whether Broadway Financial Corporation, the board of directors of Broadway Financial Corporation, or the compensation committee of Broadway Financial Corporation has engaged during any part of
                the most recently completed fiscal year that was a TARP period a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period;</div>
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            <td style="width: 22.5pt; vertical-align: top;">(xiii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Broadway Financial Corporation has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the SEOs and the next twenty most highly compensated employees during any
                part of the most recently completed fiscal year that was a TARP period;</div>
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            <td style="width: 22.5pt; vertical-align: top;">(xiv)</td>
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              <div>Broadway Financial Corporation has substantially complied with all other requirements related to employee compensation that are provided in the agreement between Broadway Financial Corporation and Treasury, including any amendments;</div>
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            <td style="width: 22.5pt; vertical-align: top;">(xv)</td>
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              <div>Broadway Financial Corporation has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the current fiscal year, with the non-SEOs ranked in descending order of level of
                annual compensation, and with the name, title, and employer of each SEO and most highly compensated employee identified; and</div>
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            <td style="width: 22.5pt; vertical-align: top;">(xvi)</td>
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              <div>I understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both.</div>
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              <div>Date:</div>
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              <div>March 31, 2021</div>
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            <td style="width: 8%; vertical-align: top;">&#160;</td>
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              <div>&#160;/s/ Brenda J. Battey</div>
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              <div>Brenda J. Battey</div>
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  <!--Financing Receivable, Allowance for Credit Loss [Table Text Block]-->
  <us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock id="Fact_092b93f8c07b4f99acf675739bd3e5d1" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The following tables present the activity in the allowance for loan losses by loan type for the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;For the year ended December 31, 2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Real Estate&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Single&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;family&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Multi&amp;#8209;&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;family&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;real estate&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Church&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Construction&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;&amp;#8211; other&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Consumer&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Beginning balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;312&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,319&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;133&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;362&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;48&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;7&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;3,182&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 20%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Provision for (recapture of) loan losses&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;(20&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;114&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;89&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;(125&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;(26&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;(3&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;29&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Recoveries&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Loans charged off&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; 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margin-left: 7.2pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;296&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;2,433&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;222&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;237&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;22&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;4&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;3,215&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;For the year ended December 31, 2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Real Estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Single&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;family&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Multi&amp;#8209;&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;family&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;real estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Church&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Construction&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;&amp;#8211; other&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Consumer&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Beginning balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;369&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,880&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;52&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;603&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;19&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;6&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;$&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,929&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 20%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Recapture of loan losses&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(57&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;439&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;81&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(501&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;29&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(7&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Recoveries&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;260&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;260&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Loans charged off&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; 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  <!--Securities available-for-sale-->
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  <!--Securities available-for-sale-Federal Agency Mortgage-backed [Member]-->
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  <!--Securities available-for-sale-Federal Agency Debt [Member]-->
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  <us-gaap:AvailableForSaleSecuritiesDebtSecurities id="Fact_91ac91ad4a4b46fa95ae5fc65fad4b08" contextRef="c20191231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FinancialInstrumentAxis_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="U001" decimals="-3">7956000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
  <!--Securities available-for-sale-Recurring Basis [Member]-Level 2 [Member]-Federal Agency Debt [Member]-->
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  <us-gaap:AvailableForSaleSecuritiesDebtSecurities id="Fact_c3d9b7aa2cbe46a0bb079014d79011d4" contextRef="c20191231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FinancialInstrumentAxis_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="U001" decimals="-3">0</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
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  <!--Securities available-for-sale-Carrying Value [Member]-->
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  <!--Securities available-for-sale-Fair Value [Member]-Level 3 [Member]-->
  <us-gaap:AvailableForSaleSecuritiesDebtSecurities id="Fact_74dcc31b25cb401c8b44d93cc1ab5c6b" contextRef="c20191231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">0</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
  <!--Securities available-for-sale-Fair Value [Member]-->
  <us-gaap:AvailableForSaleSecuritiesDebtSecurities id="Fact_7b19c5a5561a424ca75ea398044691a0" contextRef="c20191231_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">11006000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
  <!--Securities available-for-sale-Fair Value [Member]-Level 2 [Member]-->
  <us-gaap:AvailableForSaleSecuritiesDebtSecurities id="Fact_8febed6538464dc6a0c558b69790e957" contextRef="c20201231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">10698000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
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  <us-gaap:AvailableForSaleSecuritiesDebtSecurities id="Fact_91082c6611df4329969abaeee377c0c4" contextRef="c20201231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">0</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
  <!--Securities available-for-sale-Carrying Value [Member]-->
  <us-gaap:AvailableForSaleSecuritiesDebtSecurities id="Fact_996c8c2356444c82a0c44f388095a1a4" contextRef="c20201231_FairValueByMeasurementBasisAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="-3">10698000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
  <!--Securities available-for-sale-Level 2 [Member]-Fair Value [Member]-->
  <us-gaap:AvailableForSaleSecuritiesDebtSecurities id="Fact_c17898f35e4f4c1bb3f84ecf840ef1b0" contextRef="c20191231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">11006000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
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  <!--Securities available-for-sale-Fair Value [Member]-->
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  <us-gaap:BankOwnedLifeInsuranceIncome id="Fact_4a0f6a24794c46e190a1b6ac5aef6fcc" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">53000</us-gaap:BankOwnedLifeInsuranceIncome>
  <!--Bank Owned Life Insurance Income-->
  <us-gaap:BankOwnedLifeInsuranceIncome id="Fact_676afe36b0474f60a63fbe75da0cf66b" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">47000</us-gaap:BankOwnedLifeInsuranceIncome>
  <!--Bank owned life insurance-->
  <us-gaap:BankOwnedLifeInsurance id="Fact_086078fd77d8422192fce280861cdbb6" contextRef="c20201231" unitRef="U001" decimals="-3">3147000</us-gaap:BankOwnedLifeInsurance>
  <!--Bank owned life insurance-->
  <us-gaap:BankOwnedLifeInsurance id="Fact_b29030d17f6740f685b4c6f5fa68167c" contextRef="c20191231" unitRef="U001" decimals="-3">3100000</us-gaap:BankOwnedLifeInsurance>
  <!--Banking Regulation, Common Equity Tier One Risk-Based Capital Ratio, Well Capitalized, Minimum-->
  <us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum id="Fact_27fa85776c2247caa0d0a3e003fb8367" contextRef="c20191231" unitRef="U006" decimals="4">0.0650</us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum>
  <!--Banking Regulation, Common Equity Tier One Risk-Based Capital Ratio, Well Capitalized, Minimum-->
  <us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum id="Fact_b159ef6f99b54ccba2fa4496c5d763e0" contextRef="c20201231" unitRef="U006" decimals="4">0.0650</us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum>
  <!--Banking Regulation, Common Equity Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum-->
  <us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum id="Fact_777149c3bb964f858b4b2a1738277249" contextRef="c20191231" unitRef="U006" decimals="4">0.0450</us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum>
  <!--Banking Regulation, Common Equity Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum-->
  <us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum id="Fact_dfa0f116f8334cd6bfff012d351501c6" contextRef="c20201231" unitRef="U006" decimals="4">0.0450</us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum>
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  <us-gaap:BusinessAcquisitionsProFormaNetIncomeLoss id="Fact_181b0350c7f142b98a898e9a1b2aad85" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">1571000</us-gaap:BusinessAcquisitionsProFormaNetIncomeLoss>
  <!--Business Acquisition, Pro Forma Net Income (Loss)-->
  <us-gaap:BusinessAcquisitionsProFormaNetIncomeLoss id="Fact_3fc33996d54e4e69ab0b4295f84582d6" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">3241000</us-gaap:BusinessAcquisitionsProFormaNetIncomeLoss>
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  <us-gaap:BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareDiluted id="Fact_1ebee8b80196477a8f48d0d9fcb03efa" contextRef="c20200101to20201231" unitRef="U003" decimals="2">0.03</us-gaap:BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareDiluted>
  <!--Diluted earnings per share (in dollars per share)-->
  <us-gaap:BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareDiluted id="Fact_bc47ac44c29e4fa4b45c571e891b6592" contextRef="c20190101to20191231" unitRef="U003" decimals="2">0.06</us-gaap:BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareDiluted>
  <!--Unaudited Pro Forma Information-->
  <us-gaap:BusinessAcquisitionProFormaInformationTextBlock id="Fact_1a356aa8706d4e85a1042751dcaf562b" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The unaudited pro forma information in the following table is intended for informational purposes only and is not necessarily indicative of future operating results or operating results that would have occurred had the mergers been completed at the beginning of each respective year.&amp;#160; No assumptions have been applied to the pro forma results of operation regarding possible revenue enhancements, expense efficiencies or asset dispositions.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Period ended,&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Dollars in thousands, except per share)&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Unaudited)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Net interest income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;23,781&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;23,606&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Net income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,571&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,241&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Basic earnings per share&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;0.03&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;0.06&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Diluted earnings per share&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;0.03&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;0.06&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:BusinessAcquisitionProFormaInformationTextBlock>
  <!--Basic earnings per share (in dollars per share)-->
  <us-gaap:BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareBasic id="Fact_1173e13cf8e2456b9978ca75d3458881" contextRef="c20190101to20191231" unitRef="U003" decimals="2">0.06</us-gaap:BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareBasic>
  <!--Basic earnings per share (in dollars per share)-->
  <us-gaap:BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareBasic id="Fact_40e9fe1280084dfab9037f038952f426" contextRef="c20200101to20201231" unitRef="U003" decimals="2">0.03</us-gaap:BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareBasic>
  <!--Business Combination Disclosure [Text Block]-->
  <us-gaap:BusinessCombinationDisclosureTextBlock id="Fact_a0b3fd8a215c468f8bb31bf4d0359d5b" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;NOTE 2 &amp;#8211; Pending Acquisition&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;On August 25, 2020, the Company entered into an Agreement and Plan of Merger (the &amp;#8220;Merger Agreement&amp;#8221;) with CFBanc Corporation, a District of Columbia benefit corporation (&amp;#8220;City First&amp;#8221;). The Merger Agreement provides that, among other things and subject to the terms and conditions of the Merger Agreement, City First will merge with and into the Company (the &amp;#8220;City First Merger&amp;#8221;), with the Company surviving and continuing as the surviving entity. At the effective time of the City First Merger, (1) each share of City First&amp;#8217;s Class A Common Stock, par value $0.50 per share, and Class B Common Stock, par value $0.50 per share, issued and outstanding immediately prior to the Effective Time (other than any shares owned by City First or the Company and any Dissenting Shares (as defined in the Merger Agreement)) will be converted into 13.626 validly issued, fully paid and nonassessable shares, respectively, of the voting common stock of the Company, par value $0.01 per share, which will be renamed Class A Common Stock, and a new class of non-voting common stock of the Company, par value $0.01 per share, which will be named Class B Common Stock, and (2) each share of Fixed Rate Cumulative Redeemable Perpetual Preferred Stock, Series B, par value $0.50 per share, of City First (&amp;#8220;City First Preferred Stock&amp;#8221;) issued and outstanding immediately prior to the effective time of the City First Merger will be converted into one validly issued, fully paid and non-assessable share of a new series of preferred stock of the Company, which new series will be designated as the Company&amp;#8217;s Fixed Rate Cumulative Redeemable Perpetual Preferred Stock, Series A, with such rights, preferences, privileges and voting powers, and limitations and restrictions thereof, which taken as a whole, are not materially less favorable to the holders of City First Preferred Stock than the rights, preferences, privileges and voting powers, and limitations and restrictions thereof of City First Preferred Stock. Immediately following the City First Merger, the Bank will merge with and into City First Bank of D.C., National Association (&amp;#8220;CFB&amp;#8221;), a wholly owned subsidiary of City First, with CFB continuing as the surviving entity.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;On March 17, 2021, the stockholders of the Company and the stockholders of City First voted to approve the merger as described above. The Company previously announced on January 4, 2021 that all regulatory approvals necessary for consummation of the merger had been obtained.&amp;#160; With stockholder approval now obtained, the merger is expected to close on April 1, 2021.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The unaudited pro forma information in the following table is intended for informational purposes only and is not necessarily indicative of future operating results or operating results that would have occurred had the mergers been completed at the beginning of each respective year.&amp;#160; No assumptions have been applied to the pro forma results of operation regarding possible revenue enhancements, expense efficiencies or asset dispositions.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Period ended,&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Dollars in thousands, except per share)&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Unaudited)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Net interest income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;23,781&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;23,606&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Net income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,571&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,241&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Basic earnings per share&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;0.03&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;0.06&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Diluted earnings per share&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;0.03&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;0.06&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:BusinessCombinationDisclosureTextBlock>
  <!--Total Capital, Amount-->
  <us-gaap:Capital id="Fact_1b6d34bbed2743698956a42a30b993b6" contextRef="c20201231" unitRef="U001" decimals="-3">49802000</us-gaap:Capital>
  <!--Total Capital, Amount-->
  <us-gaap:Capital id="Fact_a2e54d0430274551a2bf52a25d5ebb6a" contextRef="c20191231" unitRef="U001" decimals="-3">51790000</us-gaap:Capital>
  <!--Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum-->
  <us-gaap:CapitalRequiredForCapitalAdequacy id="Fact_7c455ea957774a958d3556845d2cf283" contextRef="c20191231" unitRef="U001" decimals="-3">22654000</us-gaap:CapitalRequiredForCapitalAdequacy>
  <!--Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum-->
  <us-gaap:CapitalRequiredForCapitalAdequacy id="Fact_db71a7a3a3a3491f9082ca910f81a246" contextRef="c20201231" unitRef="U001" decimals="-3">19661000</us-gaap:CapitalRequiredForCapitalAdequacy>
  <!--Total Capital, Ratio-->
  <us-gaap:CapitalToRiskWeightedAssets id="Fact_592b01d5cbb84f01b1278613c94f8b2c" contextRef="c20191231" unitRef="U006" decimals="4">0.1829</us-gaap:CapitalToRiskWeightedAssets>
  <!--Total Capital, Ratio-->
  <us-gaap:CapitalToRiskWeightedAssets id="Fact_fbad86c8056249979c1c6ec02274894c" contextRef="c20201231" unitRef="U006" decimals="4">0.2020</us-gaap:CapitalToRiskWeightedAssets>
  <!--Banking Regulation, Total Risk-Based Capital, Well Capitalized, Minimum-->
  <us-gaap:CapitalRequiredToBeWellCapitalized id="Fact_ea0f6c8f0e5049bb93abff7cdd01e23b" contextRef="c20191231" unitRef="U001" decimals="-3">28318000</us-gaap:CapitalRequiredToBeWellCapitalized>
  <!--Banking Regulation, Total Risk-Based Capital, Well Capitalized, Minimum-->
  <us-gaap:CapitalRequiredToBeWellCapitalized id="Fact_ff763425e7584b739acffc5774f7d970" contextRef="c20201231" unitRef="U001" decimals="-3">24577000</us-gaap:CapitalRequiredToBeWellCapitalized>
  <!--Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum-->
  <us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="Fact_9e30a6fa8be5444082ebf47752b89053" contextRef="c20201231" unitRef="U006" decimals="4">0.0800</us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <!--Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum-->
  <us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="Fact_d9a024bc7e8747caaa28bdfbf78719d2" contextRef="c20191231" unitRef="U006" decimals="4">0.0800</us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <!--Banking Regulation, Total Risk-Based Capital Ratio, Well Capitalized, Minimum-->
  <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="Fact_0c7cf4119342496f8e6b45e4605aec91" contextRef="c20201231" unitRef="U006" decimals="4">0.1000</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <!--Banking Regulation, Total Risk-Based Capital Ratio, Well Capitalized, Minimum-->
  <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="Fact_25856fec56754ead9041ceb97f3ca440" contextRef="c20191231" unitRef="U006" decimals="4">0.1000</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <!--Cash and due from banks-->
  <us-gaap:CashAndDueFromBanks id="Fact_898861f07e2f4c88abcde13b5547eaea" contextRef="c20191231" unitRef="U001" decimals="-3">3016000</us-gaap:CashAndDueFromBanks>
  <!--Cash and due from banks-->
  <us-gaap:CashAndDueFromBanks id="Fact_b6f770adc5d24988b9a6b54b4652ce71" contextRef="c20201231" unitRef="U001" decimals="-3">71110000</us-gaap:CashAndDueFromBanks>
  <!--Cash and cash equivalents-->
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="Fact_8918e930f1f14bea86618a05be84ca72" contextRef="c20191231" unitRef="U001" decimals="-3">15566000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <!--Cash and cash equivalents-->
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="Fact_b24b58e535ab4f5da7ea9f445388791d" contextRef="c20201231" unitRef="U001" decimals="-3">96109000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <!--Cash and cash equivalents-Parent Company [Member]-->
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="Fact_0cba3f57c6b3433eafd8fb7953b3d45c" contextRef="c20201231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">126000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <!--Cash and cash equivalents-Parent Company [Member]-->
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="Fact_8eb3a3eba0e045b38b38bf0b60af79aa" contextRef="c20191231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">134000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <!--Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect-->
  <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect id="Fact_683a70e7f46b447b8d9105e4063be1f8" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">80543000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
  <!--Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect-->
  <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect id="Fact_99af454c3c59464ca92fada5c30c2e46" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">-1085000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
  <!--Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect-Parent Company [Member]-->
  <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect id="Fact_100bba6ebaac48f19ff867f8612f8cf5" contextRef="c20200101to20201231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">-8000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
  <!--Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect-Parent Company [Member]-->
  <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect id="Fact_2cc264b486ad4036b017e3dc8e34e63a" contextRef="c20190101to20191231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">-22000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
  <!--Cash and Cash Equivalents, Fair Value Disclosure-Fair Value [Member]-Level 2 [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="Fact_00909e6361f54002b0e0ec1b3c95abff" contextRef="c20201231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">0</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and Cash Equivalents, Fair Value Disclosure-Carrying Value [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="Fact_08a8d2e0676344f394550d81b95c0779" contextRef="c20201231_FairValueByMeasurementBasisAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="-3">96109000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and Cash Equivalents, Fair Value Disclosure-Fair Value [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="Fact_1cc62b10b6fe414993b74fe6f74d74c8" contextRef="c20191231_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">15566000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and Cash Equivalents, Fair Value Disclosure-Level 1 [Member]-Fair Value [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="Fact_2771a888e27d43cda733f6b5064fae02" contextRef="c20191231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">15566000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and Cash Equivalents, Fair Value Disclosure-Carrying Value [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="Fact_65bd656b9e72451388c66308128a5d7f" contextRef="c20191231_FairValueByMeasurementBasisAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="-3">15566000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and Cash Equivalents, Fair Value Disclosure-Level 3 [Member]-Fair Value [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="Fact_b89dadd63b9d42a38b8ae96705ffa2f6" contextRef="c20201231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">0</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and Cash Equivalents, Fair Value Disclosure-Level 2 [Member]-Fair Value [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="Fact_d4bc4a005eb2443e817b0efdaa5218bf" contextRef="c20191231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">0</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and Cash Equivalents, Fair Value Disclosure-Fair Value [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="Fact_d7828bb3470d4738b3a6d54c1cbcd671" contextRef="c20201231_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">96109000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and Cash Equivalents, Fair Value Disclosure-Fair Value [Member]-Level 3 [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="Fact_e4a097383c2a4e92aba36190a9e31403" contextRef="c20191231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">0</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and Cash Equivalents, Fair Value Disclosure-Level 1 [Member]-Fair Value [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="Fact_fb8bd8d5259d4ca59e800a1fd02c667c" contextRef="c20201231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">96109000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents-->
  <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents id="Fact_017b8b231ecf466793e4654a8c2fa7ad" contextRef="c20191231" unitRef="U001" decimals="-3">15566000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
  <!--Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents-->
  <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents id="Fact_8c538560b6444f19b6a1c7920f098248" contextRef="c20181231" unitRef="U001" decimals="-3">16651000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
  <!--Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents-->
  <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents id="Fact_0c3e8cba1abd45cf88cb2be2edfcdf21" contextRef="c20201231" unitRef="U001" decimals="-3">96109000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
  <!--Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents-Parent Company [Member]-->
  <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents id="Fact_25f89cbaa55e40b5a1c88d773301b8e9" contextRef="c20181231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">156000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
  <!--Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents-Parent Company [Member]-->
  <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents id="Fact_bc49a18cfa5c4cd1b5c7747ddc6e13e4" contextRef="c20191231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">134000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
  <!--Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents-Parent Company [Member]-->
  <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents id="Fact_332d4d9cd193407ea18ce08d2c2d1726" contextRef="c20201231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">126000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
  <!--Cash and Cash Equivalents, Policy [Policy Text Block]-->
  <us-gaap:CashAndCashEquivalentsPolicyTextBlock id="Fact_8f7ae99ec19548d38ddcd8ec95db4e87" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Cash and Cash Equivalents&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Cash and cash equivalents include cash on hand, cash items in the process of collection, amounts due from correspondent banks and the Federal Reserve Bank of San Francisco (the &amp;#8220;Federal Reserve Bank&amp;#8221;), and interest&amp;#8209;bearing deposits in other banks with initial terms of ninety days or less. The Company may be required to maintain reserve and clearing balances with the Federal Reserve Bank under the Federal Reserve Act of 1913, as amended. Effective on March 26, 2020, as a part of Federal Reserve Bank&amp;#8217;s tools to promote maximum employment, Federal Reserve Bank Board reduced reserve requirement ratios to zero.&amp;#160; The reserve and clearing requirement balance was no longer required at December 31, 2020. Net cash flows are reported for customer loan and deposit transactions, interest&amp;#8209;bearing deposits in other banks, deferred income taxes and other assets and liabilities.&lt;/div&gt;&lt;/div&gt;</us-gaap:CashAndCashEquivalentsPolicyTextBlock>
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  <!--Commitments and Contingencies-->
  <us-gaap:CommitmentsAndContingencies id="Fact_f7bbc7bef6b946e9b941ce67884e196f" contextRef="c20191231" unitRef="U001" xsi:nil="true" />
  <!--Commitments and Contingencies Disclosure [Text Block]-->
  <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock id="Fact_7347317ea92e486fa7883d24a9021206" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 16 &amp;#8211; Loan Commitments and Other Related Activities&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off&amp;#8209;balance&amp;#8209;sheet risk for credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The contractual amounts of financial instruments with off&amp;#8209;balance&amp;#8209;sheet risk at year&amp;#8209;end were as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Commitments to make loans&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5,930&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Unused lines of credit &amp;#8211; variable rates&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,472&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,970&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Commitments to make loans are generally made for periods of 60 days or less. At December 31, 2020, the Bank did not have any commitment outstanding to originate multi-family residential loans.&amp;#160; At December 31, 2019, loan commitments consisted of two multi&amp;#8209;family residential loans with initial five-year interest rates ranging from 3.50% to 3.75%.&lt;/div&gt;&lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
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Expense totaled $146 thousand and $135 thousand for 2020 and 2019.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify; font-style: italic; font-weight: bold;"&gt;ESOP Plan&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Employees participate in an Employee Stock Option Plan (&amp;#8220;ESOP&amp;#8221;) after attaining certain age and service requirements. In December 2016, the ESOP purchased 1,493,679 shares of the Company&amp;#8217;s common stock at $1.59 per share, for a total cost of $2.4 million, of which $1.2 million was funded with a loan from the Company. The loan will be repaid from the Bank&amp;#8217;s annual discretionary contributions to the ESOP, net of dividends paid, over a period of 20 years. Shares of the Company&amp;#8217;s common stock purchased by the ESOP are held in a suspense account until released for allocation to participants. When loan payments are made, shares are allocated to each eligible participant based on the ratio of each such participant&amp;#8217;s compensation, as defined in the ESOP, to the total compensation of all eligible plan participants. As the unearned shares are released from the suspense account, the Company recognizes compensation expense equal to the fair value of the ESOP shares during the periods in which they become committed to be released. To the extent that the fair value of the ESOP shares released differs from the cost of such shares, the difference is charged or credited to equity as additional paid&amp;#8209;in capital. Dividends on allocated shares increase participant accounts. Dividends on unallocated shares will be used to repay the loan. At the end of employment, participants will receive shares for their vested balance. Compensation expense related to the ESOP was $68 thousand for 2020 and $65 thousand for 2019.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Shares held by the ESOP were as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31,&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31,&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Dollars in thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Allocated to participants&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,065,275&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,024,429&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Committed to be released&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;10,236&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;10,416&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Suspense shares&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;562,391&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;603,876&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total ESOP shares&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;1,637,902&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;1,638,721&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Fair value of unearned shares&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;1,040&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;930&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;During 2020 and 2019, 41,665 and 42,321 of ESOP shares were released for allocation to participants, respectively. The outstanding balance of unearned ESOP shares at December 31, 2020 and 2019 were $893 thousand and $959 thousand, respectively, which is shown as Unearned ESOP shares in the equity section of the consolidated statements of financial condition.&lt;/div&gt;&lt;/div&gt;</us-gaap:CompensationAndEmployeeBenefitPlansTextBlock>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-->
  <us-gaap:ComprehensiveIncomeNetOfTax id="Fact_577dbf12c49f4c6ab664b265cd2a250f" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">54000</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-->
  <us-gaap:ComprehensiveIncomeNetOfTax id="Fact_81cbe2565664442e8ec58242ad02a5d0" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">-455000</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income, Policy [Policy Text Block]-->
  <us-gaap:ComprehensiveIncomePolicyPolicyTextBlock id="Fact_0221b47e8d0b407392c0206b16e7997e" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Comprehensive Income (Loss)&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Comprehensive income (loss) consists of net income (loss) and other comprehensive income or loss. Other comprehensive income or loss includes unrealized gains and losses on securities available&amp;#8209;for&amp;#8209;sale, net of tax, which are also recognized as separate components of equity.&lt;/div&gt;&lt;/div&gt;</us-gaap:ComprehensiveIncomePolicyPolicyTextBlock>
  <!--Concentration Risk, Percentage-Customer One [Member]-Deposits, Total [Member]-Customer Concentration Risk [Member]-->
  <us-gaap:ConcentrationRiskPercentage1 id="Fact_b2afecaf6ec8406f9c8e50083f8a0a77" contextRef="c20200101to20201231_ConcentrationRiskByBenchmarkAxis_DepositsTotalMember_ConcentrationRiskByTypeAxis_CustomerConcentrationRiskMember_MajorCustomersAxis_CustomerOneMember" unitRef="U006" decimals="INF">0.13</us-gaap:ConcentrationRiskPercentage1>
  <!--Concentration Risk, Credit Risk, Policy [Policy Text Block]-->
  <us-gaap:ConcentrationRiskCreditRisk id="Fact_df0ed4c8061a4448a89eee5ddfba9dde" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Concentration of Credit Risk&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Concentrations of credit risk arise when several customers are engaged in similar business activities, or activities in the same geographic region, or have similar economic features that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. The Company&amp;#8217;s lending activities are predominantly in real estate loans that are secured by properties located in Southern California and many of the borrowers reside in Southern California. Therefore, the Company&amp;#8217;s exposure to credit risk is significantly affected by changes in the economy and real estate market in the Southern California area.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Company has a significant concentration of deposits with two long&amp;#8209;time customers that accounted for approximately 13% of its deposits as of December 31, 2020. The Company expects to maintain the relationships with the customers for the near term.&lt;/div&gt;&lt;/div&gt;</us-gaap:ConcentrationRiskCreditRisk>
  <!--Condensed Financial Information of Parent Company Only Disclosure [Text Block]-->
  <us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock id="Fact_4296ed2cde674c1cb5752d438d9cbc96" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 17 &amp;#8211; Parent Company Only Condensed Financial Information&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Condensed financial information of Broadway Financial Corporation follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Condensed Balance Sheet&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31,&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;126&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;134&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Investment in bank subsidiary&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;49,418&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;50,594&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Other assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,735&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,512&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;52,279&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;53,240&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Liabilities and stockholders&amp;#8217; equity&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Junior subordinated debentures&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,315&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4,335&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Accrued expenses and other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;79&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;57&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Stockholders&amp;#8217; equity&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,885&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,848&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total liabilities and stockholders&amp;#8217; equity&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;52,279&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;53,240&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Condensed Statements of Income&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Years ended December 31,&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Interest income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;23&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;23&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Interest expense&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(133&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(247&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Other expense&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(1,033&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(720&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Loss before income tax and undistributed subsidiary income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(1,143&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(944&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Income tax benefits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;291&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;279&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Equity in undistributed subsidiary income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;210&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;459&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net loss&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(642&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(206&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Condensed Statements of Cash Flows&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Years ended December 31,&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Cash flows from operating activities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net loss&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(642&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(206&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Adjustments to reconcile net loss to net cash used in operating activities:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Equity in undistributed subsidiary income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(210&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(459&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Change in other assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(223&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(287&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Change in accrued expenses and other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;21&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(9&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net cash used in operating activities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(1,054&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(961&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Cash flows from investing activities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Dividends from bank subsidiary&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,650&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net cash provided by investing activities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,650&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Cash flows from financing activities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Common stock repurchased for tax withholdings&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(14&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Repayments of borrowings&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(1,020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(765&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Proceeds from repayment of ESOP loan&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;66&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;68&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net cash used in financing activities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(954&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(711&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net change in cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(8&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(22&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Beginning cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;134&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;156&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Ending cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;126&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;134&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
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  <us-gaap:ConsolidationPolicyTextBlock id="Fact_4cda8b7d3ca74ad2b3a0579ee8f3a802" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Nature of Operations and Principles of Consolidation&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Broadway Financial Corporation (the &amp;#8220;Company&amp;#8221;) is a Delaware corporation primarily engaged in the savings and loan business through its wholly owned subsidiary, Broadway Federal Bank, f.s.b. (the &amp;#8220;Bank&amp;#8221;). The Bank&amp;#8217;s business is that of a financial intermediary and consists primarily of attracting deposits from the general public and using such deposits, together with borrowings and other funds, to make mortgage loans secured by residential and commercial real estate located in Southern California. At December 31, 2020, the Bank operated two retail&amp;#8209;banking offices in Los Angeles, California and one in the nearby city of Inglewood, California. The Bank is subject to significant competition from other financial institutions and is also subject to regulation by certain federal agencies and undergoes periodic examinations by those regulatory authorities.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Broadway Federal Bank, f.s.b. All significant inter&amp;#8209;company transactions and balances have been eliminated in consolidation.&lt;/div&gt;&lt;/div&gt;</us-gaap:ConsolidationPolicyTextBlock>
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  <us-gaap:CurrentFederalTaxExpenseBenefit id="Fact_77b7cc9cad014ad6aca93dbbbbba7dca" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">-59000</us-gaap:CurrentFederalTaxExpenseBenefit>
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  <us-gaap:CurrentStateAndLocalTaxExpenseBenefit id="Fact_8a5405dc4598418abe286536f265341e" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">144000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
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  <us-gaap:CurrentStateAndLocalTaxExpenseBenefit id="Fact_c4aaac2628cf4525864bed63e2c82ef6" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">5000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
  <!--Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions-->
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  <!--Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions-->
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  <us-gaap:DebtSecuritiesAvailableForSaleTableTextBlock id="Fact_36a74c786fb2437da211575c012b9207" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The following table summarizes the amortized cost and fair value of the available&amp;#8209;for&amp;#8209;sale investment securities portfolios at December 31, 2020 and December 31, 2019 and the corresponding amounts of unrealized gains (losses) which are recognized in accumulated other comprehensive income:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Amortized&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Cost&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Gross&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Unrealized&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Gains&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Gross&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Unrealized&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Losses&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Fair Value&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 42%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2020:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Federal agency mortgage&amp;#8209;backed securities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5,550&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;257&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5,807&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Federal agency debt&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,682&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;190&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,872&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Municipal bonds&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;19&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 25.2pt;"&gt;Total available&amp;#8209;for&amp;#8209;sale securities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;10,232&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;466&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;10,698&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2019:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Federal agency mortgage&amp;#8209;backed securities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7,792&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;164&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7,956&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Federal agency debt&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,014&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;36&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,050&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 25.2pt;"&gt;Total available&amp;#8209;for&amp;#8209;sale securities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; 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  <!--Deposit Liabilities Disclosures [Text Block]-->
  <us-gaap:DepositLiabilitiesDisclosuresTextBlock id="Fact_9d6b75d8cf5d4c4b81ef362c44f82057" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 9 &amp;#8211; Deposits&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Deposits are summarized as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;"&gt;`&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31,&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;NOW account and other demand deposits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;15,237&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;9,768&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Non&amp;#8209;interest bearing demand deposits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;47,269&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;27,090&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Money market deposits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;60,281&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;23,589&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Passbook&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;64,127&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;47,042&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Certificates of deposit&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;128,716&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;190,235&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;315,630&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;297,724&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Bank accepts two types of deposits from a deposit placement service called the Certificate of Deposit Account Registry Service (&amp;#8220;CDARS&amp;#8221;). Reciprocal deposits are the Bank&amp;#8217;s own retail deposits in amounts in excess of the insured limits. The CDARS program allows banks to place their customers&amp;#8217; funds in FDIC&amp;#8209;insured certificates of deposit at other banks and, at the same time, receive an equal sum of funds from the customers of other banks in the CDARS Network. These deposits totaled $35.8 million and $39.3 million at December 31, 2020 and 2019, respectively and are not considered to be brokered deposits.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;One&amp;#8209;way deposits are also available using the CDARS program. With the one&amp;#8209;way program, the Bank accepts deposits from CDARS even though there is no customer account involved. These one-way deposits, which are considered to brokered deposits, totaled $9.6 million and $40.7 million at December 31, 2020 and 2019, respectively.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;At December 31, 2020, the Bank had $15.1 million in (non-CDARS) brokered deposits and did not have any (non-CDARS) brokered deposits at December 31, 2019.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Scheduled maturities of certificates of deposit for the next five years are as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 60%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 48%;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Maturity&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Amount&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" style="vertical-align: middle; width: 48%; text-align: center;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" style="vertical-align: middle; width: 48%; background-color: rgb(204, 238, 255); text-align: center;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2021&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;113,221&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" style="vertical-align: middle; width: 48%; text-align: center;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2022&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;13,095&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" style="vertical-align: middle; width: 48%; background-color: rgb(204, 238, 255); text-align: center;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2023&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,809&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" style="vertical-align: middle; width: 48%; text-align: center;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2024&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;271&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" style="vertical-align: middle; width: 48%; background-color: rgb(204, 238, 255); text-align: center;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2025&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;245&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" style="vertical-align: middle; width: 48%; padding-bottom: 2px; text-align: center;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Thereafter&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;75&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" style="vertical-align: middle; width: 48%; padding-bottom: 4px; background-color: rgb(204, 238, 255); text-align: center;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;128,716&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Certificates of deposit of $250 thousand or more totaled $18.9 million and $25.1 million at December 31, 2020 and 2019, respectively.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Deposits from principal officers, directors, and their affiliates totaled $838 thousand and $1.8 million at December 31, 2020 and 2019, respectively.&lt;/div&gt;&lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
  <!--Deposit Liabilities, Type [Table Text Block]-->
  <us-gaap:DepositLiabilitiesTypeTableTextBlock id="Fact_293485a1ecbf4f739561d21eb0ba753d" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;Deposits are summarized as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;"&gt;`&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31,&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;NOW account and other demand deposits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;15,237&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;9,768&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Non&amp;#8209;interest bearing demand deposits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;47,269&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;27,090&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Money market deposits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;60,281&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;23,589&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Passbook&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;64,127&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;47,042&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Certificates of deposit&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;128,716&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;190,235&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;315,630&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;297,724&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:DepositLiabilitiesTypeTableTextBlock>
  <!--Deposits-->
  <us-gaap:Deposits id="Fact_52092d528ea74231b35f5bc126554e5e" contextRef="c20191231" unitRef="U001" decimals="-3">297724000</us-gaap:Deposits>
  <!--Deposits-->
  <us-gaap:Deposits id="Fact_ca3a9496b31446f7b6ffbe5695787d8f" contextRef="c20201231" unitRef="U001" decimals="-3">315630000</us-gaap:Deposits>
  <!--Deposits, Savings Deposits-->
  <us-gaap:DepositsSavingsDeposits id="Fact_0e350f9e1a9b429fa1b1dcfbdda9cedd" contextRef="c20191231" unitRef="U001" decimals="-3">47042000</us-gaap:DepositsSavingsDeposits>
  <!--Deposits, Savings Deposits-->
  <us-gaap:DepositsSavingsDeposits id="Fact_2cbee3a6ca64429d97b2a689f79db538" contextRef="c20201231" unitRef="U001" decimals="-3">64127000</us-gaap:DepositsSavingsDeposits>
  <!--Deposits, Money Market Deposits-->
  <us-gaap:DepositsMoneyMarketDeposits id="Fact_5674e9ac090743d8859f467245f06a9f" contextRef="c20191231" unitRef="U001" decimals="-3">23589000</us-gaap:DepositsMoneyMarketDeposits>
  <!--Deposits, Money Market Deposits-->
  <us-gaap:DepositsMoneyMarketDeposits id="Fact_9472b110ef25417a8d95a4aac537a26e" contextRef="c20201231" unitRef="U001" decimals="-3">60281000</us-gaap:DepositsMoneyMarketDeposits>
  <!--Deposits, Fair Value Disclosure-Fair Value [Member]-Level 3 [Member]-->
  <us-gaap:DepositsFairValueDisclosure id="Fact_3b5f58fe2ef1463cba8704b5fd43780e" contextRef="c20191231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">0</us-gaap:DepositsFairValueDisclosure>
  <!--Deposits, Fair Value Disclosure-Level 3 [Member]-Fair Value [Member]-->
  <us-gaap:DepositsFairValueDisclosure id="Fact_4cc70512a29d4260b99134471fb6c81f" contextRef="c20201231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">0</us-gaap:DepositsFairValueDisclosure>
  <!--Deposits, Fair Value Disclosure-Fair Value [Member]-->
  <us-gaap:DepositsFairValueDisclosure id="Fact_4d85efea50674353b394fb24daa12b73" contextRef="c20201231_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">312725000</us-gaap:DepositsFairValueDisclosure>
  <!--Deposits, Fair Value Disclosure-Fair Value [Member]-Level 1 [Member]-->
  <us-gaap:DepositsFairValueDisclosure id="Fact_4f709ab211c74ef788b6b1eedc0d2d02" contextRef="c20191231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">0</us-gaap:DepositsFairValueDisclosure>
  <!--Deposits, Fair Value Disclosure-Fair Value [Member]-->
  <us-gaap:DepositsFairValueDisclosure id="Fact_844714e8254143959d19d97576026673" contextRef="c20191231_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">289629000</us-gaap:DepositsFairValueDisclosure>
  <!--Deposits, Fair Value Disclosure-Carrying Value [Member]-->
  <us-gaap:DepositsFairValueDisclosure id="Fact_b1cc26cc9142443a979005894b1693de" contextRef="c20201231_FairValueByMeasurementBasisAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="-3">315630000</us-gaap:DepositsFairValueDisclosure>
  <!--Deposits, Fair Value Disclosure-Carrying Value [Member]-->
  <us-gaap:DepositsFairValueDisclosure id="Fact_bb2459e1a8624b6c84e71b767cf86115" contextRef="c20191231_FairValueByMeasurementBasisAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="-3">297724000</us-gaap:DepositsFairValueDisclosure>
  <!--Deposits, Fair Value Disclosure-Level 1 [Member]-Fair Value [Member]-->
  <us-gaap:DepositsFairValueDisclosure id="Fact_bc5de8ca812c4890a347c995352124bb" contextRef="c20201231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">0</us-gaap:DepositsFairValueDisclosure>
  <!--Deposits, Fair Value Disclosure-Fair Value [Member]-Level 2 [Member]-->
  <us-gaap:DepositsFairValueDisclosure id="Fact_d93d419fac16497ea26fe0038426b2fc" contextRef="c20191231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">289629000</us-gaap:DepositsFairValueDisclosure>
  <!--Deposits, Fair Value Disclosure-Level 2 [Member]-Fair Value [Member]-->
  <us-gaap:DepositsFairValueDisclosure id="Fact_e63177fcd3f04bb388f1ffae67f8c5c9" contextRef="c20201231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">312725000</us-gaap:DepositsFairValueDisclosure>
  <!--Depreciation-->
  <us-gaap:Depreciation id="Fact_2a1dfa0877114fa998be25e8a81dc060" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">121000</us-gaap:Depreciation>
  <!--Depreciation-->
  <us-gaap:Depreciation id="Fact_fd7d0c3d27be44389414eb1d9d254189" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">227000</us-gaap:Depreciation>
  <!--Stock-based Compensation-->
  <us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock id="Fact_e925d39dd340486c874e4bd89e35e84d" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 14 &amp;#8211; Stock&amp;#8209;Based Compensation&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Prior to July 25, 2018, the Company issued stock&amp;#8209;based compensation awards to its directors and employees under the 2008 Long&amp;#8209;Term Incentive Plan (&amp;#8220;2008 LTIP&amp;#8221;). The 2008 LTIP permitted the grant of non&amp;#8209;qualified and incentive stock options, stock appreciation rights, full value awards and cash incentive awards for up to 2,000,000 shares of common stock. As of July 25, 2018, the Company ceased granting awards under the 2008 LTIP.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;On July 25, 2018, the stockholders approved the 2018 Long&amp;#8209;Term Incentive Plan (&amp;#8220;2018 LTIP&amp;#8221;). As with the 2008 LTIP, the 2018 LTIP permits the grant of non&amp;#8209;qualified and incentive stock options, stock appreciation rights, full value awards and cash incentive awards. The plan will be in effect for ten years. The maximum number of shares that can be awarded under the plan is 1,293,109 shares of common stock. As of December 31, 2020, 170,335 shares had been awarded and 663,842 shares are available under the 2018 LTIP.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;No stock options were granted during the years ended December 31, 2020 and December 31, 2019.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The following table summarizes stock option activity during the years ended December 31, 2020 and 2019:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Number&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Weighted&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Exercise&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Price&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Number&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Weighted&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Exercise&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Price&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Outstanding at beginning of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;455,000&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1.67&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;537,500&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2.19&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Granted during the year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 42%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Exercised during the year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Forfeited or expired during the year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(5,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;"&gt;&lt;div&gt;6.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(82,500&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;"&gt;&lt;div&gt;4.98&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Outstanding at end of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;450,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;1.62&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;455,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;1.67&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Exercisable at end of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;360,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;1.62&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;275,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;1.70&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;For each year of 2020 and 2019, the Company recorded $39 thousand and $38 thousand, respectively, of stock&amp;#8209;based compensation expense related to stock options. As of December 31, 2020, unrecognized compensation cost related to non-vested stock options granted under the plan was $7 thousand. The cost is expected to be recognized over a period of two months.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Options outstanding and exercisable at year&amp;#8209;end 2020 were as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="11" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Exercisable&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot; font-weight: bold;"&gt;Grant Date&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Number&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Weighted&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Remaining&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Contractual&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Life&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Weighted&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Exercise&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Price&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Aggregate&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Intrinsic&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Value&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Number&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Weighted&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Exercise&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Price&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Aggregate&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Intrinsic&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Value&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;February 24, 2016&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;450,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;5.15 years&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1.62&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;360,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1.62&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: top; width: 14%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;450,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 14%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;5.15 years&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1.62&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;103,500&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;360,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1.62&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;82,800&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div style="text-align: justify;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In February 2020 and January 2019, the Company awarded 30,930 and 42,168 shares of common stock, respectively, to its directors under the 2018 LTIP, which are fully vested.&amp;#160; The Company recorded $45 thousand and $52 thousand of compensation expense for the years ended December 31, 2020 and December 31, 2019, respectively, based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In February 2020 and 2019, the Company awarded 140,218 shares and 428,797 shares, of which $12,846 shares were forfeited, respectively, of restricted stock to its officers and employees under the 2018 LTIP.&amp;#160; Each restricted stock award is valued based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award.&amp;#160; These awarded shares of restricted stock are fully vested over a two-year period from their respective dates of grants. Stock based compensation expense is recognized on a straight-line basis over the vesting period.&amp;#160; During 2020 and 2019, the Company recorded $340 thousand and $216 thousand of stock based compensation expense related to these awards, respectively. As of December 31, 2020, unrecognized compensation costs related to non-vested restricted stock awarded in February 2020 and 2019 were $110 thousand and $43 thousand, respectively.&amp;#160; These unrecognized compensation costs related to non-vested restricted stock awarded in February 2020 and 2019 are expected to be recognized over a period of 14 months and 2 months, respectively.&amp;#160; However, 140,218 shares scheduled to vest in February 2022 will become fully vested upon the closing of the City First Merger, which is expected to occur on April 1, 2021.&lt;/div&gt;&lt;/div&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
  <!--Loss Per Common Share-->
  <us-gaap:EarningsPerShareTextBlock id="Fact_3ef31fb6fda24be9a0dd46456b569ac9" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 18 &amp;#8211; Loss Per Common Share&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The factors used in the earnings per common share computation follow:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%; text-indent: -9pt; margin-left: 9pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Dollars in thousands,&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;except share and per share)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net loss&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(642&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(206&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Less net income attributable to participating securities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Loss available to common stockholders&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(642&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(206&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Weighted average common shares outstanding for basic earnings per common share&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;27,163,427&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;26,833,693&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Add: dilutive effects of unvested restricted stock awards&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Weighted average common shares outstanding for diluted earnings per common share&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;27,163,427&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;26,833,693&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Loss per common share &amp;#8211; basic&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(0.02&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(0.01&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Loss per common share &amp;#8211; diluted&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(0.02&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(0.01&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Stock options for 360,000 shares and 275,000 shares of common stock for the years ended December 31, 2020 and 2019, respectively, were not considered in computing diluted earnings per common share because they were anti&amp;#8209;dilutive.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Basic loss per share of common stock is computed pursuant to the two-class method by dividing net loss available to common stockholders less dividends paid on participating securities (unvested shares of restricted common stock) and any undistributed loss attributable to participating securities by the weighted average common shares outstanding during the period.&amp;#160; The weighted average common shares outstanding includes the weighted average number of shares of common stock outstanding less the weighted average number of unvested shares of restricted common stock.&amp;#160; ESOP shares are considered outstanding for this calculation unless unearned.&amp;#160; Diluted net loss per share of common stock includes the dilutive effect of unvested stock awards and additional potential common shares issuable under stock options.&lt;/div&gt;&lt;/div&gt;</us-gaap:EarningsPerShareTextBlock>
  <!--Loss per common share-basic (in dollars per share)-->
  <us-gaap:EarningsPerShareBasic id="Fact_4790b580d10e44f28aa97e797e24aca8" contextRef="c20200101to20201231" unitRef="U003" decimals="INF">-0.02</us-gaap:EarningsPerShareBasic>
  <!--Loss per common share-basic (in dollars per share)-->
  <us-gaap:EarningsPerShareBasic id="Fact_a5e76fbfcdd34f8592fa9075d49de697" contextRef="c20190101to20191231" unitRef="U003" decimals="INF">-0.01</us-gaap:EarningsPerShareBasic>
  <!--Loss per common share-basic (in dollars per share)-->
  <!--Loss per common share-basic (in dollars per share)-->
  <!--Earnings Per Share, Policy [Policy Text Block]-->
  <us-gaap:EarningsPerSharePolicyTextBlock id="Fact_801b8c5703044031920993b2dd804a16" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Earnings (Loss) Per Common Share&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Basic earnings (loss) per share of common stock is computed pursuant to the two&amp;#8209;class method by dividing net income available to common stockholders less dividends paid on participating securities (unvested shares of restricted common stock) and any undistributed earnings attributable to participating securities by the weighted average common shares outstanding during the period. The weighted average common shares outstanding includes the weighted average number of shares of common stock outstanding less the weighted average number of unvested shares of restricted common stock. ESOP shares are considered outstanding for this calculation unless unearned. Diluted earnings per share of common stock includes the dilutive effect of unvested stock awards using treasury stock method and additional potential common shares issuable under stock options.&lt;/div&gt;&lt;/div&gt;</us-gaap:EarningsPerSharePolicyTextBlock>
  <!--Loss per common share-diluted (in dollars per share)-->
  <us-gaap:EarningsPerShareDiluted id="Fact_7c9e2ab8000148f9b22b88dbda75fc45" contextRef="c20200101to20201231" unitRef="U003" decimals="INF">-0.02</us-gaap:EarningsPerShareDiluted>
  <!--Loss per common share-diluted (in dollars per share)-->
  <us-gaap:EarningsPerShareDiluted id="Fact_b009df839c5f42639b4e6ed3635cd196" contextRef="c20190101to20191231" unitRef="U003" decimals="INF">-0.01</us-gaap:EarningsPerShareDiluted>
  <!--Loss per common share-diluted (in dollars per share)-->
  <!--Loss per common share-diluted (in dollars per share)-->
  <!--Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent-->
  <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate id="Fact_3a93c9c071f04cee8af2b46ff6c4ee68" contextRef="c20200101to20201231" unitRef="U006" decimals="INF">0.21</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
  <!--Purchase price of common stock (in dollars per share)-->
  <us-gaap:EmployeeStockOwnershipPlanESOPWeightedAveragePurchasePriceOfSharesPurchased id="Fact_0d1f17fdbfde4492bac9b8a30338bca8" contextRef="c20161201to20161231" unitRef="U003" decimals="2">1.59</us-gaap:EmployeeStockOwnershipPlanESOPWeightedAveragePurchasePriceOfSharesPurchased>
  <!--Unrecognized compensation cost-Two Thousand Eighteen Ltip [Member]-Restricted Stock [Member]-->
  <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions id="Fact_5ba53df0b4e14e66b3f59152a7659def" contextRef="c20190228_AwardTypeAxis_RestrictedStockMember_PlanNameAxis_TwoThousandEighteenLtipMember" unitRef="U001" decimals="-3">43000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions>
  <!--Unrecognized compensation cost-Two Thousand Eighteen Ltip [Member]-Restricted Stock [Member]-->
  <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions id="Fact_82cd32f9d9764d5eae6fa22484d7eb9a" contextRef="c20200229_AwardTypeAxis_RestrictedStockMember_PlanNameAxis_TwoThousandEighteenLtipMember" unitRef="U001" decimals="-3">110000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions>
  <!--Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount-Stock Options [Member]-->
  <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions id="Fact_1c047fd4c1154c48afd96938d9d0a7e4" contextRef="c20201231_AwardTypeAxis_EmployeeStockOptionMember" unitRef="U001" decimals="-3">7000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions>
  <!--Period of recognition for unrecognized compensation cost-Stock Options [Member]-->
  <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 id="Fact_9f421eca36f247c390bcfe9f300af030" contextRef="c20200101to20201231_AwardTypeAxis_EmployeeStockOptionMember">P2M</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
  <!--Period of recognition for unrecognized compensation cost-Restricted Stock [Member]-Two Thousand Eighteen Ltip [Member]-->
  <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 id="Fact_1c91e2f2beaf4d3b978f96d6f99d94a3" contextRef="c20200201to20200229_AwardTypeAxis_RestrictedStockMember_PlanNameAxis_TwoThousandEighteenLtipMember">P14M</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
  <!--Period of recognition for unrecognized compensation cost-Two Thousand Eighteen Ltip [Member]-Restricted Stock [Member]-->
  <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 id="Fact_b72585608ae340cd828cf99aac03512a" contextRef="c20190201to20190228_AwardTypeAxis_RestrictedStockMember_PlanNameAxis_TwoThousandEighteenLtipMember">P2M</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
  <!--Employee Stock Ownership Plan (ESOP), Deferred Shares, Fair Value-->
  <us-gaap:EmployeeStockOwnershipPlanESOPDeferredSharesFairValue id="Fact_24f55886efa4463d8593b207df31797c" contextRef="c20191231" unitRef="U001" decimals="-3">930000</us-gaap:EmployeeStockOwnershipPlanESOPDeferredSharesFairValue>
  <!--Employee Stock Ownership Plan (ESOP), Deferred Shares, Fair Value-->
  <us-gaap:EmployeeStockOwnershipPlanESOPDeferredSharesFairValue id="Fact_44de0d469dac4d399a47603e3312d113" contextRef="c20201231" unitRef="U001" decimals="-3">1040000</us-gaap:EmployeeStockOwnershipPlanESOPDeferredSharesFairValue>
  <!--Allocated to participants (in shares)-->
  <us-gaap:EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares id="Fact_39cadcc8204a4635b018bc58d7b04d81" contextRef="c20191231" unitRef="U002" decimals="INF">1024429</us-gaap:EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares>
  <!--Allocated to participants (in shares)-->
  <us-gaap:EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares id="Fact_e7cd70dcdf9341d490685d56bb55e5d9" contextRef="c20201231" unitRef="U002" decimals="INF">1065275</us-gaap:EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares>
  <!--Employee Stock Ownership Plan (ESOP), Policy [Policy Text Block]-->
  <us-gaap:EmployeeStockOwnershipPlanESOPPolicy id="Fact_046cb7d15f5a4da09a6fa06308a9c4f4" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Employee Stock Ownership Plan (ESOP)&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The cost of shares issued to the ESOP, but not yet allocated to participants, is shown as a reduction of stockholders&amp;#8217; equity. Compensation expense is based on the market price of shares as they are committed to be released to participant accounts. Dividends on allocated ESOP shares reduce retained earnings; dividends on unearned ESOP shares reduce debt and accrued interest.&lt;/div&gt;&lt;/div&gt;</us-gaap:EmployeeStockOwnershipPlanESOPPolicy>
  <!--Employee Stock Ownership Plan (ESOP), Shares in ESOP-->
  <us-gaap:EmployeeStockOwnershipPlanESOPSharesInESOP id="Fact_be7975ad1ae844b388cd934d304a6112" contextRef="c20191231" unitRef="U002" decimals="INF">1638721</us-gaap:EmployeeStockOwnershipPlanESOPSharesInESOP>
  <!--Employee Stock Ownership Plan (ESOP), Shares in ESOP-->
  <us-gaap:EmployeeStockOwnershipPlanESOPSharesInESOP id="Fact_e52789ad67594478ac81402191c03db6" contextRef="c20201231" unitRef="U002" decimals="INF">1637902</us-gaap:EmployeeStockOwnershipPlanESOPSharesInESOP>
  <!--Compensation expense related to ESOP-->
  <us-gaap:EmployeeStockOwnershipPlanESOPCompensationExpense id="Fact_6644ac9ef1e14c4e958d35d1b50a6b71" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">68000</us-gaap:EmployeeStockOwnershipPlanESOPCompensationExpense>
  <!--Compensation expense related to ESOP-->
  <us-gaap:EmployeeStockOwnershipPlanESOPCompensationExpense id="Fact_d5c6863d84d340bbaeda2411f1c16d40" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">65000</us-gaap:EmployeeStockOwnershipPlanESOPCompensationExpense>
  <!--Committed to be released (in shares)-->
  <us-gaap:EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares id="Fact_77f3acdd32604998b3430b170c035785" contextRef="c20191231" unitRef="U002" decimals="INF">10416</us-gaap:EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares>
  <!--Committed to be released (in shares)-->
  <us-gaap:EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares id="Fact_7f85c11a98c7463baf2f931b699764d9" contextRef="c20201231" unitRef="U002" decimals="INF">10236</us-gaap:EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares>
  <!--Suspense shares (in shares)-->
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  <us-gaap:FairValueMeasurementPolicyPolicyTextBlock id="Fact_a9ce646d83284fb6ac72c0c21f25fb5a" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Fair Value Measurements&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Level 2: Significant observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Level 3: Significant unobservable inputs that reflect a company&amp;#8217;s own assumptions about the assumptions that market participants would use in pricing an asset or liability.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Fair values are estimated using relevant market information and other assumptions, as more fully disclosed in Note 8. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.&lt;/div&gt;&lt;/div&gt;</us-gaap:FairValueMeasurementPolicyPolicyTextBlock>
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  <!--Fair Value-->
  <us-gaap:FairValueDisclosuresTextBlock id="Fact_8392d4af251a42999893f0de314d7762" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 8 &amp;#8211; Fair Value&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Company used the following methods and significant assumptions to estimate fair value:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The fair values of securities available&amp;#8209;for&amp;#8209;sale are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs) or matrix pricing, which is a mathematical technique to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities&amp;#8217; relationship to other benchmark quoted securities (Level 2 inputs).&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The fair value of impaired loans that are collateral dependent is generally based upon the fair value of the collateral, which is obtained from recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Assets acquired through or by transfer in lieu of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at the lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated every nine months. These appraisals may utilize a single valuation approach or a combination of approaches, including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Appraisals for collateral&amp;#8209;dependent impaired loans are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, an independent third&amp;#8209;party licensed appraiser reviews the appraisals for accuracy and reasonableness, reviewing the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry&amp;#8209;wide statistics.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify; font-style: italic; font-weight: bold;"&gt;Assets Measured on a Recurring Basis&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Assets measured at fair value on a recurring basis are summarized below:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 55%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="11" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Fair Value Measurement&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 55%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Quoted Prices&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;in Active&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Markets for&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Identical&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Assets&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Level 1)&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Significant&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Other&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Observable&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Inputs&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Level 2)&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Significant&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Unobservable&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Inputs&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Level 3)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 55%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="11" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 55%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;At December 31, 2020:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 55%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Securities available&amp;#8209;for&amp;#8209;sale &amp;#8211; federal agency mortgage&amp;#8209;backed&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;5,807&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="text-align: right;"&gt;$&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;5,807&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 55%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Municipal bonds&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;2,019&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;2,019&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 55%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Securities available&amp;#8209;for&amp;#8209;sale &amp;#8211; federal agency debt&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,872&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,872&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 55%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;At December 31, 2019:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 55%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Securities available&amp;#8209;for&amp;#8209;sale &amp;#8211; federal agency mortgage&amp;#8209;backed&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;7,956&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="text-align: right;"&gt;$&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160;&amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;7,956&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 55%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Securities available&amp;#8209;for&amp;#8209;sale &amp;#8211; federal agency debt&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;3,050&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;3,050&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;There were no transfers between Level 1, Level 2, or Level 3 during the years ended December 31, 2020 and 2019.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify; font-style: italic; font-weight: bold;"&gt;Assets Measured on a Non&amp;#8209;Recurring Basis&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Assets are considered to be reflected at fair value on a non&amp;#8209;recurring basis if the fair value measurement of the instrument does not necessarily result in a change in the amount recorded on the statement of condition. Generally, a non&amp;#8209;recurring valuation is the result of the application of other accounting pronouncements that require assets to be assessed for impairment or recorded at the lower of cost or fair value.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The following table provides information regarding the carrying values of our assets measured at fair value on a non&amp;#8209;recurring basis as of the periods indicated. The fair value measurement for all these assets falls within Level 3 of the fair value hierarchy.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Impaired loans carried at fair value of collateral&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;130&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: justify; font-style: italic; font-weight: bold;"&gt;Fair Values of Financial Instruments&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The carrying amounts and estimated fair values of financial instruments as of the periods indicated were as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Carrying&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Fair Value Measurements at December 31, 2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Value&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Level 1&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Level 2&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Level 3&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="18" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Financial Assets:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;96,109&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;96,109&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;96,109&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;366,279&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1,128&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1,202&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Bank owned life insurance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;5,633&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;5,633&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Financial Liabilities:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Deposits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;315,630&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; 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text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;312,725&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Federal Home Loan Bank advances&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;110,500&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;113,851&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;113,851&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Junior subordinated debentures&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;3,315&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,798&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,798&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Accrued interest payable&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;88&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;84&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;88&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Carrying&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Fair Value Measurements at December 31, 2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Value&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Level 1&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Level 2&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Level 3&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="18" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;"&gt;Financial Assets:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;15,566&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;15,566&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;15,566&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Securities available&amp;#8209;for&amp;#8209;sale&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;11,006&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;11,006&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;11,006&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Loans receivable held for sale&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Loans receivable held for investment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;397,847&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;404,923&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;404,923&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Accrued interest receivable&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,223&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;69&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;22&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,132&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,223&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Bank owned life insurance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;5,220&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;5,220&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;5,220&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;"&gt;Financial Liabilities:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Deposits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;297,724&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;289,629&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;289,629&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Federal Home Loan Bank advances&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;84,000&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;84,997&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;84,997&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Junior subordinated debentures&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;4,335&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;3,734&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;3,734&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Accrued interest payable&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;384&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;377&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;7&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;384&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FairValueDisclosuresTextBlock>
  <!--Assets Measured on Recurring Basis-->
  <us-gaap:FairValueAssetsMeasuredOnRecurringBasisTextBlock id="Fact_c95f602799d64cb6a5674ed355ff2a4f" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;Assets measured at fair value on a recurring basis are summarized below:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 55%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="11" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Fair Value Measurement&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 55%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Quoted Prices&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;in Active&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Markets for&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Identical&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Assets&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Level 1)&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Significant&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Other&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Observable&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Inputs&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Level 2)&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Significant&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Unobservable&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Inputs&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Level 3)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 55%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="11" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 55%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;At December 31, 2020:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 55%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Securities available&amp;#8209;for&amp;#8209;sale &amp;#8211; federal agency mortgage&amp;#8209;backed&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;5,807&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="text-align: right;"&gt;$&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;5,807&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 55%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Municipal bonds&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;2,019&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;2,019&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 55%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Securities available&amp;#8209;for&amp;#8209;sale &amp;#8211; federal agency debt&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,872&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,872&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 55%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;At December 31, 2019:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 55%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Securities available&amp;#8209;for&amp;#8209;sale &amp;#8211; federal agency mortgage&amp;#8209;backed&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;7,956&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="text-align: right;"&gt;$&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160;&amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;7,956&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 55%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Securities available&amp;#8209;for&amp;#8209;sale &amp;#8211; federal agency debt&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;3,050&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;3,050&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FairValueAssetsMeasuredOnRecurringBasisTextBlock>
  <!--Assets Measured on Non-Recurring Basis-->
  <us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock id="Fact_659e3fe137704e88b9acee00d6dea5fa" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The following table provides information regarding the carrying values of our assets measured at fair value on a non&amp;#8209;recurring basis as of the periods indicated. The fair value measurement for all these assets falls within Level 3 of the fair value hierarchy.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Impaired loans carried at fair value of collateral&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;130&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock>
  <!--Fair Values of Financial Instruments-->
  <us-gaap:FairValueByBalanceSheetGroupingTextBlock id="Fact_48cd53964ea544ed87905fa125cd4fbd" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The carrying amounts and estimated fair values of financial instruments as of the periods indicated were as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Carrying&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Fair Value Measurements at December 31, 2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Value&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Level 1&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Level 2&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Level 3&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="18" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Financial Assets:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;96,109&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;96,109&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;96,109&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Securities available&amp;#8209;for&amp;#8209;sale&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;10,698&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;10,698&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;10,698&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Loans receivable held for investment&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;360,129&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;366,279&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; 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text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Deposits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;315,630&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;312,725&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,798&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Accrued interest payable&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;88&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;84&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;88&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Carrying&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Fair Value Measurements at December 31, 2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Value&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Level 1&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Level 2&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Level 3&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="18" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;"&gt;Financial Assets:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;15,566&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;15,566&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;15,566&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Securities available&amp;#8209;for&amp;#8209;sale&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;11,006&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;11,006&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;11,006&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Loans receivable held for sale&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Loans receivable held for investment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;397,847&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;404,923&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;404,923&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Accrued interest receivable&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,223&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;69&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;22&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,132&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,223&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Bank owned life insurance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;"&gt;Financial Liabilities:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Deposits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;297,724&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;289,629&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;289,629&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Federal Home Loan Bank advances&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;84,000&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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  <us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations id="Fact_bab624e129a94ab69f3da27c0f2ff6f2" contextRef="c20191231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">3734000</us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations>
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  <us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations id="Fact_f3e9d886b9694a7cbedd7ea21b43b149" contextRef="c20201231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">0</us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations>
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  <!--Weighted average contractual maturity-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturityPeriodFixedRate id="Fact_74b36943d7464b118bc9b277f4f1ed9f" contextRef="c20200101to20201231">P27M</us-gaap:FederalHomeLoanBankAdvancesMaturityPeriodFixedRate>
  <!--Federal Home Loan Bank, Advances, Weighted Average Interest Rate-->
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  <us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRate id="Fact_f2d0237942c64f818de08ec43f314e86" contextRef="c20191231" unitRef="U006" decimals="4">0.0232</us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRate>
  <!--Federal Home Loan Bank, Advances [Table Text Block]-->
  <us-gaap:FederalHomeLoanBankAdvancesTableTextBlock id="Fact_cab404121bff441a8f89339247432adb" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The following table summarizes information relating to FHLB advances at or for the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;At or For the Year Ended&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Dollars in thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;FHLB Advances:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Average balance outstanding during the year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;114,020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;77,049&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Maximum amount outstanding at any month&amp;#8209;end during the year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;121,500&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;84,000&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Balance outstanding at end of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;110,500&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;84,000&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Weighted average interest rate at end of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1.94&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;2.32&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Average cost of advances during the year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1.91&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2.42&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Weighted average contractual maturity (in months)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;27&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;18&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FederalHomeLoanBankAdvancesTableTextBlock>
  <!--Federal Home Loan Bank, Advances, Activity for Year, Average Interest Rate for Year-->
  <us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear id="Fact_15d690932be0481fb858ece344002c8f" contextRef="c20190101to20191231" unitRef="U006" decimals="4">0.0242</us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear>
  <!--Federal Home Loan Bank, Advances, Activity for Year, Average Interest Rate for Year-->
  <us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear id="Fact_7622981539e645498a9a015c7655a0e1" contextRef="c20200101to20201231" unitRef="U006" decimals="4">0.0191</us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear>
  <!--Federal Home Loan Bank Advances, Disclosure [Text Block]-->
  <us-gaap:FederalHomeLoanBankAdvancesDisclosureTextBlock id="Fact_356a7ad0876a4a3684ad30ed2d646b01" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 10 &amp;#8211; Federal Home Loan Bank Advances&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The following table summarizes information relating to FHLB advances at or for the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;At or For the Year Ended&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Dollars in thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;FHLB Advances:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Average balance outstanding during the year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;114,020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;77,049&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Maximum amount outstanding at any month&amp;#8209;end during the year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;121,500&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;84,000&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Balance outstanding at end of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;110,500&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;84,000&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Weighted average interest rate at end of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1.94&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;2.32&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Average cost of advances during the year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1.91&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2.42&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Weighted average contractual maturity (in months)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;27&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;18&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Each advance is payable at its maturity date, with a prepayment penalty. The advances were collateralized by $220.0 million and $156.1 million of first mortgage loans at December 31, 2020 and 2019, respectively, under a blanket lien arrangement.&amp;#160; Based on this collateral, the Company&amp;#8217;s holdings of FHLB stock, and a general borrowing limit of 40% of total assets at December 31, 2020, the Company was eligible to borrow up to an additional $40.3 million at year&amp;#8209;end 2020.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Required payments over the next five years are as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 60%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 48%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Amount&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 48%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2021&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;27,500&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2022&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2023&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;30,000&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2024&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;5,000&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2025&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;30,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;110,500&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FederalHomeLoanBankAdvancesDisclosureTextBlock>
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  <!--Federal Home Loan Bank advances-Fair Value [Member]-Level 1 [Member]-->
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  <!--Federal Home Loan Bank advances-Carrying Value [Member]-->
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  <!--Federal Home Loan Bank advances-Carrying Value [Member]-->
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  <!--Federal Home Loan Bank advances-Fair Value [Member]-->
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  <!--Federal Home Loan Bank advances-Level 2 [Member]-Fair Value [Member]-->
  <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure id="Fact_c85e16269d1744a0913b7b8c95b1787f" contextRef="c20201231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">113851000</us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure>
  <!--Federal Home Loan Bank advances-Fair Value [Member]-Level 2 [Member]-->
  <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure id="Fact_caaf030c7a1f4a2597d221508070f6ab" contextRef="c20191231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="-3">84997000</us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure>
  <!--Federal Home Loan Bank advances-Level 3 [Member]-Fair Value [Member]-->
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  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate id="Fact_20ae6fba8e984973a9ce1999d16c94d3" contextRef="c20201231" unitRef="U001" decimals="-3">30000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate>
  <!--Federal Home Loan Bank, Advance, Maturity, Year Five-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate id="Fact_49f515c26e7b400fbb4137de3f1ccf87" contextRef="c20201231" unitRef="U001" decimals="-3">30000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate>
  <!--Financing Receivable, Held-for-sale [Policy Text Block]-->
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy id="Fact_abb1f12076484215bbea1d33709fc0c4" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Loans Receivable Held for Sale&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Bank originates loans for sale, and may, from time&amp;#8209;to&amp;#8209;time, decide to retain certain loans for held for investment in order to manage loan concentrations. When a decision is made to retain loans held-for-sale for held-for-investment, such loans are transferred from held&amp;#8209;for&amp;#8209;sale portfolio to held&amp;#8209;for&amp;#8209;investment portfolio at the lower of cost or fair value. If a reduction in value is required at time of the transfer, a charge&amp;#8209;off is recorded against the allowance for loan and lease losses (&amp;#8220;ALLL&amp;#8221;). Any subsequent decline in value of the loans is recorded as a valuation allowance with a corresponding charge to non&amp;#8209;interest expense.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Transfers of loans are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been legally isolated from the Bank, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right), to pledge or exchange the transferred assets, and provides no more than a trivial benefit to the Bank, and (3) the Bank does not maintain effective control over the transferred assets.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Loans receivable held for sale are generally sold with servicing rights released. Gains and losses on sales of loans are based on the difference between the selling price and the carrying value of the related loan sold. When loans receivable held for sale are sold, existing deferred loan fees or costs are an adjustment of the gain or loss on sale.&lt;/div&gt;&lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy>
  <!--Financing Receivable, Held-for-investment, Foreclosed Asset [Policy Text Block]-->
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentsForeclosedAssetsPolicy id="Fact_6bfa2125817c4dbf932a2ce736cae2d3" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Real Estate Owned&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Assets acquired through, or by deed in lieu of, loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through a provision that is charged to non&amp;#8209;interest expense. Operating costs after acquisition are expensed as incurred.&lt;/div&gt;&lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentsForeclosedAssetsPolicy>
  <!--Financing Receivable, Held-for-investment [Policy Text Block]-->
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy id="Fact_30405622dc8845609c3431fdce098740" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Loans Receivable Held for Investment&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of allowance for loan losses, deferred loan fees and costs and unamortized premiums and discounts. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct loan origination costs, premiums and discounts are deferred, and recognized in income using the level&amp;#8209;yield method without anticipating prepayments.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Interest income on all loans is discontinued at the time the loan is 90 days delinquent unless the loan is well&amp;#8209;secured and in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on non&amp;#8209;accrual or charged&amp;#8209;off at an earlier date if collection of principal or interest is considered doubtful.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;All interest accrued but not received for loans placed on non&amp;#8209;accrual is reversed against interest income. Interest received on such loans is accounted for on the cash&amp;#8209;basis or cost recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.&lt;/div&gt;&lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy>
  <!--Financing Receivables [Text Block]-->
  <us-gaap:FinancingReceivablesTextBlock id="Fact_44346ea6973b48d19cb0cfbd23767bdc" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 5 &amp;#8211; Loans Receivable Held for Investment&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Loans receivable held for investment were as follows as of the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2020&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Real estate:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,217&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;72,883&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;272,387&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;287,378&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Commercial real estate&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,289&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;14,728&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,658&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;21,301&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;429&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,128&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;57&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;262&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;21&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Gross loans receivable before deferred loan costs and premiums&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;362,044&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;399,701&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Unamortized net deferred loan costs and premiums&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,300&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,328&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Gross loans receivable&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;363,344&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;401,029&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Allowance for loan losses&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(3,215&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(3,182&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Loans receivable, net&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;360,129&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;397,847&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The following tables present the activity in the allowance for loan losses by loan type for the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;For the year ended December 31, 2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Real Estate&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Single&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;family&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Multi&amp;#8209;&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;family&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;real estate&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Church&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Construction&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;&amp;#8211; other&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Consumer&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Beginning balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;312&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,319&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;133&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;362&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;48&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;7&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;3,182&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 20%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Provision for (recapture of) loan losses&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;(20&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;114&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;89&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;(125&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;(26&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;(3&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div&gt;29&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Recoveries&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Loans charged off&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;296&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;2,433&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;222&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;237&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;22&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;4&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;3,215&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;For the year ended December 31, 2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Real Estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Single&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;family&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Multi&amp;#8209;&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;family&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;real estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Church&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Construction&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;&amp;#8211; other&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Consumer&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Beginning balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;369&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,880&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;52&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;603&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;19&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;6&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;$&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,929&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 20%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Recapture of loan losses&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(57&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;439&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;81&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(501&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;29&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(7&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Recoveries&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;260&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;260&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Loans charged off&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;312&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,319&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;133&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;362&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,182&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge&amp;#8209;offs, less interest applied to principal, plus unamortized deferred costs and premiums) by loan type and based on impairment method as of and for the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2020&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Real Estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Single&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;family&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Multi&amp;#8209;&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;family&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;real estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Church&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Construction&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;&amp;#8211; other&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Consumer&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Allowance for loan losses:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Ending allowance balance attributable to loans:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Individually evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;89&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;52&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;141&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Collectively evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;207&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,433&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;222&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;185&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;22&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,074&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Total ending allowance balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;296&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,433&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;222&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;237&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;22&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,215&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Loans:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Loans individually evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;573&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;298&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,813&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;47&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4,731&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Loans collectively evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;47,784&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;273,566&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,322&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;12,495&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;430&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;9&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;358,613&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total ending loans balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,357&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;273,864&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,322&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,308&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;430&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;56&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;363,344&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Real Estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Single&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;family&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Multi&amp;#8209;&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;family&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;real estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Church&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Construction&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;&amp;#8211; other&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Consumer&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Allowance for loan losses:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Ending allowance balance attributable to loans:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Individually evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;60&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;85&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;147&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Collectively evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;252&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,319&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;133&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;277&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,035&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Total ending allowance balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;312&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,319&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;133&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;362&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,182&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Loans:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Loans individually evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;611&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;313&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4,356&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;63&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5,343&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Loans collectively evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;72,501&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;288,730&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;14,818&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,292&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,125&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;199&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;21&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;395,686&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total ending loans balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;73,112&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;289,043&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;14,818&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;20,648&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,125&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;262&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;21&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;401,029&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Unpaid&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Principal&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Balance&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Recorded&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Investment&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Allowance&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;for Loan&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Losses&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Allocated&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Unpaid&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Principal&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Balance&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Recorded&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Investment&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Allowance&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;for Loan&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Losses&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Allocated&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="22" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;With no related allowance recorded:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Single&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;298&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;298&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;313&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;313&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,527&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,970&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;3,491&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,446&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;With an allowance recorded:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;573&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;573&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;88&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;593&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;593&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;60&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,842&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,842&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;52&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,928&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,928&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;85&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;47&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;47&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;63&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;63&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;2&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;5,289&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;4,731&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;141&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;6,388&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;5,343&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;147&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The recorded investment in loans excludes accrued interest receivable due to immateriality. For purposes of this disclosure, the unpaid principal balance is not reduced for net charge&amp;#8209;offs.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;For the year ended December 31, 2020&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;For the year ended December 31, 2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Recorded&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Investment&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Cash Basis&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Interest&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Income&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Recognized&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Recorded&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Investment&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Cash Basis&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Interest&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Income&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Recognized&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 40%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot; text-indent: -9pt; margin-left: 9pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;591&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;29&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;626&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;29&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%;"&gt;&lt;div style="font-family: &amp;amp;quot; text-indent: -9pt; margin-left: 9pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;306&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;21&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;318&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;22&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot; text-indent: -9pt; margin-left: 9pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4,033&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;442&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5,017&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;939&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px;"&gt;&lt;div style="font-family: &amp;amp;quot; text-indent: -9pt; margin-left: 9pt;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;55&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;63&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot; text-indent: -9pt; margin-left: 9pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4,985&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;496&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;6,024&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div&gt;&lt;font style="font-family: &amp;amp;quot;"&gt;$&lt;/font&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;&lt;font style="font-family: &amp;amp;quot;"&gt;995&lt;/font&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Cash&amp;#8209;basis interest income recognized represents cash received for interest payments on accruing impaired loans and interest recoveries on non&amp;#8209;accrual loans that were paid off. Interest payments collected on non&amp;#8209;accrual loans are characterized as payments of principal rather than payments of the outstanding accrued interest on the loans until the remaining principal on the non&amp;#8209;accrual loans is considered to be fully collectible or paid off. When a loan is returned to accrual status, the interest payments that were previously applied to principal are deferred and amortized over the remaining life of the loan. Foregone interest income that would have been recognized had loans performed in accordance with their original terms amounted to $89 thousand and $120 thousand for the years ended December 31, 2020 and 2019, respectively, and were not included in the consolidated results of operations.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="14" rowspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center; font-weight: bold;"&gt;December 31, 2020&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;30&amp;#8209;59&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Days&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;60&amp;#8209;89&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Days&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center; width: 11%;"&gt;&lt;div&gt;&lt;div style="font-weight: bold;"&gt;Greater than&lt;/div&gt;&lt;div style="font-weight: bold;"&gt;90 Days&lt;/div&gt;&lt;div&gt;&lt;font style="font-weight: bold;"&gt;Past Due &lt;/font&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Current&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 30%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="12" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Loans receivable held for investment:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;$&amp;#160; &lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;$ &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,357&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,357&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;273,864&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;273,864&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Commercial real estate&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,322&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,322&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,308&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,308&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;430&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;430&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;56&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;56&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 11%;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;$&amp;#160; &lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;$ &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;363,344&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;363,344&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="14" rowspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;30&amp;#8209;59&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Days&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;60&amp;#8209;89&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Days&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 11%;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Greater than&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;90 Days&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Current&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 30%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="12" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Loans receivable held for investment:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;18&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;$&amp;#160;&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;$&amp;#160;&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;18&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;73,094&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;73,112&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;289,043&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;289,043&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Commercial real estate&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;14,818&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;14,818&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;20,648&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;20,648&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;3,125&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;3,125&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;262&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;262&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 11%;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;&lt;div&gt;21&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;&lt;div&gt;21&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;18&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;$&amp;#160;&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;$&amp;#160;&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160;&amp;#160; &amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;18&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;401,011&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;401,029&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The following table presents the recorded investment in non&amp;#8209;accrual loans by loan type as of the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-indent: -9pt; margin-left: 9pt; width: 70%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 70%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Loans receivable held for investment:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;18&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;786&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;406&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total non-accrual loans&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;787&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;424&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;There were no loans 90 days or more delinquent that were accruing interest as of December 31, 2020 or December 31, 2019.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify; font-style: italic; font-weight: bold;"&gt;Troubled Debt Restructurings&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;At December 31, 2020, loans classified as troubled debt restructurings (&amp;#8220;TDRs&amp;#8221;) totaled $4.2 million, of which $232 thousand were included in non&amp;#8209;accrual loans and $4.0 million were on accrual status. At December 31, 2019, loans classified as TDRs totaled $4.7 million, of which $406 thousand were included in non&amp;#8209;accrual loans and $4.3 million were on accrual status. The Company has allocated $141 thousand and $147 thousand of specific reserves for accruing TDRs as of December 31, 2020 and 2019, respectively. TDRs on accrual status are comprised of loans that were accruing at the time of restructuring or loans that have complied with the terms of their restructured agreements for a satisfactory period and for which the Bank anticipates full repayment of both principal and interest. TDRs that are on non&amp;#8209;accrual status can be returned to accrual status after a period of sustained performance, generally determined to be six months of timely payments, as modified. A well&amp;#8209;documented credit analysis that supports a return to accrual status based on the borrower&amp;#8217;s financial condition and prospects for repayment under the revised terms is also required. As of December 31, 2020 and 2019, the Company had no commitment to lend additional amounts to customers with outstanding loans that are classified as TDRs. No loans were modified during the years ended December 31, 2020 and 2019.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify; font-style: italic; font-weight: bold;"&gt;Credit Quality Indicators&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. For single family residential, consumer and other smaller balance homogenous loans, a credit grade is established at inception, and generally only adjusted based on performance. Information about payment status is disclosed elsewhere herein. The Company analyzes all other loans individually by classifying the loans as to credit risk. This analysis is performed at least on a quarterly basis. The Company uses the following definitions for risk ratings:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"&gt;&lt;tr&gt;&lt;td style="width: 36pt;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td style="width: 18pt; vertical-align: top; align: right; font-weight: bold;"&gt;&amp;#9679;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top; text-align: justify;"&gt;&lt;div&gt;&lt;font style="font-weight: bold; font-style: italic;"&gt;Watch.&lt;/font&gt; Loans classified as watch exhibit weaknesses that could threaten the current net worth and paying capacity of the obligors. Watch graded loans are generally performing and are not more than 59 days past due. A watch rating is used when a material deficiency exists, but correction is anticipated within an acceptable time frame.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"&gt;&lt;tr&gt;&lt;td style="width: 36pt;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td style="width: 18pt; vertical-align: top; align: right; font-weight: bold;"&gt;&amp;#9679;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top; text-align: justify;"&gt;&lt;div&gt;&lt;font style="font-weight: bold; font-style: italic;"&gt;Special Mention.&lt;/font&gt; Loans classified as special mention have a potential weakness that deserves management&amp;#8217;s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution&amp;#8217;s credit position at some future date.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"&gt;&lt;tr&gt;&lt;td style="width: 36pt;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td style="width: 18pt; vertical-align: top; align: right; font-weight: bold;"&gt;&amp;#9679;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top; text-align: justify;"&gt;&lt;div&gt;&lt;font style="font-weight: bold; font-style: italic;"&gt;Substandard.&lt;/font&gt; Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well&amp;#8209;defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"&gt;&lt;tr&gt;&lt;td style="width: 36pt;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td style="width: 18pt; vertical-align: top; align: right; font-weight: bold;"&gt;&amp;#9679;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top; text-align: justify;"&gt;&lt;div&gt;&lt;font style="font-weight: bold; font-style: italic;"&gt;Doubtful.&lt;/font&gt; Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, based on currently existing facts, conditions, and values, highly questionable and improbable.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"&gt;&lt;tr&gt;&lt;td style="width: 36pt;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td style="width: 18pt; vertical-align: top; align: right; font-weight: bold;"&gt;&amp;#9679;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top; text-align: justify;"&gt;&lt;div&gt;&lt;font style="font-weight: bold; font-style: italic;"&gt;Loss.&lt;/font&gt; Loans classified as loss are considered uncollectible and of such little value that to continue to carry the loan as an active asset is no longer warranted.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Pass rated loans are generally well protected by the current net worth and paying capacity of the obligor and/or by the value of the underlying collateral. Pass rated loans are not more than 59 days past due and are generally performing in accordance with the loan terms. Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows:&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td rowspan="1" valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" rowspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="20" rowspan="1" valign="bottom" style="text-align: center; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;December 31, 2020&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Pass&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Watch&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Special Mention&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Substandard&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Doubtful&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Loss&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td rowspan="1" valign="bottom" style="width: 32%; vertical-align: top;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" rowspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="20" rowspan="1" valign="bottom" style="width: 1%; text-align: center; font-weight: bold; vertical-align: bottom;"&gt;(In thousands)&lt;/td&gt;&lt;td colspan="1" rowspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;48,357&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;$&amp;#160;&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;$&amp;#160; &lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;273,501&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;362&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Commercial real estate&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;22,834&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,488&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;12,899&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;657&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;2,752&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;430&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;9&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom;"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;47&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 4px; vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;358,037&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;2,145&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;3,162&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;$&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;$&amp;#160;&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="20" rowspan="1" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Pass&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Watch&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Special Mention&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Substandard&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Doubtful&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Loss&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="20" rowspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;73,094&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;$&lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;18&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;$ &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;$&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top;"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;288,251&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;411&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;381&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Commercial real estate&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;14,818&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top;"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;16,546&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;411&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;3 691&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;3,125&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top;"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;199&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom;"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;63&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;21&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209; &lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 4px; vertical-align: top;"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;396,054&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;822&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;4,153&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;$&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &lt;br /&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;$ &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160;&amp;#160; &amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:FinancingReceivablesTextBlock>
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  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="Fact_0a4d9067b25f404b837a4febebaa7ce2" contextRef="c20191231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConstructionLoansMember" unitRef="U001" decimals="-3">0</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
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  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="Fact_1455651cc1b24a57a4a403738fd7936f" contextRef="c20191231_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember" unitRef="U001" decimals="-3">18000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
  <!--Financing Receivable, Past Due-Financial Asset, 30 to 59 Days Past Due [Member]-Church Loan [Member]-Real Estate [Member]-->
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="Fact_1541bf2b2d3849e78f8c435f2f4b5924" contextRef="c20201231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ChurchLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember" unitRef="U001" decimals="-3">0</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
  <!--Financing Receivable, Past Due-Commercial Portfolio Segment [Member]-60-89 Days Past Due [Member]-->
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="Fact_19b34a8a24774403bacd7beec73cea00" contextRef="c20191231_FinancingReceivablePortfolioSegmentAxis_CommercialPortfolioSegmentMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember" unitRef="U001" decimals="-3">0</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
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  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="Fact_25890a383cd74657bda0bbc84068ba66" contextRef="c20191231_FinancingReceivablePortfolioSegmentAxis_CommercialPortfolioSegmentMember" unitRef="U001" decimals="-3">0</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
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  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="Fact_280597a8093d45fa880e6bbe1d24dc76" contextRef="c20191231" unitRef="U001" decimals="-3">18000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
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  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="Fact_72e09ec364fa466ebebf87404e1bfb0f" contextRef="c20201231_FinancingReceivablePortfolioSegmentAxis_CommercialPortfolioSegmentMember" unitRef="U001" decimals="-3">4000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <!--Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment-Multifamily Loan [Member]-Real Estate [Member]-->
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="Fact_8000b7e55f6a42df8a6cb35870dd11f3" contextRef="c20191231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MultifamilyLoanMember" unitRef="U001" decimals="-3">2319000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <!--Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment-Multifamily Loan [Member]-Real Estate [Member]-->
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="Fact_a591fe37122846718b41c19aeea48858" contextRef="c20201231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MultifamilyLoanMember" unitRef="U001" decimals="-3">2433000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <!--Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment-->
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="Fact_cfdc9b4dd861495a9758db0ec2a8bc8b" contextRef="c20191231" unitRef="U001" decimals="-3">3035000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <!--Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment-Real Estate [Member]-Commercial Real Estate [Member]-->
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="Fact_dc4f2f00d71d4bebb23567e0bd6dbbe4" contextRef="c20191231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U001" decimals="-3">133000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <!--Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment-Real Estate [Member]-Commercial Real Estate [Member]-->
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="Fact_e364bec6fcea4a089df5d09edd8e6e7a" contextRef="c20201231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U001" decimals="-3">222000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <!--Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment-Consumer Portfolio Segment [Member]-->
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="Fact_fe9cbf714cff4d0eaea80dbff3a07790" contextRef="c20201231_FinancingReceivablePortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="-3">1000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <!--Financing Receivable Credit Quality Indicators [Table Text Block]-->
  <us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock id="Fact_32593c0041c64203a886587defd37a88" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div&gt;Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows: &lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td rowspan="1" valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" rowspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="20" rowspan="1" valign="bottom" style="text-align: center; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;December 31, 2020&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Pass&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Watch&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Special Mention&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Substandard&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Doubtful&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Loss&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td rowspan="1" valign="bottom" style="width: 32%; vertical-align: top;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" rowspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="20" rowspan="1" valign="bottom" style="width: 1%; text-align: center; font-weight: bold; vertical-align: bottom;"&gt;(In thousands)&lt;/td&gt;&lt;td colspan="1" rowspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;48,357&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;$&amp;#160;&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;$&amp;#160; &lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;273,501&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;362&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Commercial real estate&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;22,834&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,488&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;12,899&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;657&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;2,752&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;430&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;9&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom;"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;47&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 4px; vertical-align: top;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;358,037&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;2,145&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;3,162&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;$&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;$&amp;#160;&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="20" rowspan="1" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Pass&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Watch&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Special Mention&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Substandard&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Doubtful&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Loss&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="20" rowspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;73,094&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;$&lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;18&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;$ &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;$&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top;"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;288,251&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;411&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;381&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Commercial real estate&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;14,818&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top;"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;16,546&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;411&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;3 691&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;3,125&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; vertical-align: top;"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;199&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom;"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom;"&gt;&lt;div&gt;63&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;21&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;-&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209; &lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="width: 32%; padding-bottom: 4px; vertical-align: top;"&gt;&lt;div style="text-indent: -10pt; margin-left: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;396,054&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;822&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; text-align: right; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 9.01%; text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div&gt;4,153&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="width: 0.97%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;$&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &lt;br /&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 0.97%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;$ &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160;&amp;#160; &amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="width: 1%; padding-bottom: 4px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock>
  <!--Financing Receivable, Collectively Evaluated for Impairment-Construction Loans [Member]-Real Estate [Member]-->
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  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="Fact_f947c3f75f744d6c8db82880de619b19" contextRef="c20191231_FinancingReceivablePortfolioSegmentAxis_CommercialPortfolioSegmentMember" unitRef="U001" decimals="-3">199000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <!--Financing Receivable, Individually Evaluated for Impairment-Commercial Portfolio Segment [Member]-->
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  <!--Impaired Financing Receivables [Table Text Block]-->
  <us-gaap:ImpairedFinancingReceivablesTableTextBlock id="Fact_6a18583b9ecf45fbb40f37df10659bcc" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Unpaid&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Principal&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Balance&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Recorded&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Investment&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Allowance&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;for Loan&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Losses&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Allocated&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Unpaid&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Principal&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Balance&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Recorded&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Investment&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Allowance&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;for Loan&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Losses&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Allocated&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="22" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;With no related allowance recorded:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Single&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;298&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;298&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;313&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&lt;div&gt;313&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,527&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,970&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;3,491&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2,446&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;With an allowance recorded:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;573&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;573&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;88&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;593&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;593&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;60&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,842&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,842&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;52&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,928&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,928&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;85&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;47&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;47&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;63&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;63&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;2&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;5,289&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;4,731&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;141&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;6,388&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;5,343&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;147&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ImpairedFinancingReceivablesTableTextBlock>
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  <us-gaap:IncomeTaxDisclosureTextBlock id="Fact_517e7fdb986c47689a87d7e99c5fe274" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 13 &amp;#8211; Income Taxes&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Company and its subsidiary are subject to U.S. federal and state income taxes. Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carry forwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Income tax (benefit) expense was as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Current&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Federal&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(59&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(66&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;State&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;144&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;5&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Deferred&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Federal&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;7&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(225&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;State&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(499&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(59&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(407&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(345&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Effective tax rates differ from the federal statutory rate of 21% applied to income before income taxes due to the following:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Federal statutory rate times financial statement net (loss) income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(220&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(115&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Effect of:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;State taxes, net of federal benefit&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(7&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(45&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Earnings from bank owned life insurance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(10&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(11&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Merger-related expense&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;200&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Low income housing credits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(117&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(198&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Tax benefit from tax positions taken in prior years&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(273&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Other, net&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;20&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;24&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 27pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(407&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(345&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Year&amp;#8209;end deferred tax assets and liabilities were due to the following:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Deferred tax assets:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Allowance for loan losses&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;909&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;897&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Accrued liabilities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;139&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;137&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;State income taxes&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;58&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;36&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Stock compensation&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;310&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;202&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Net operating loss carryforward&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;3,437&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;3,614&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Non&amp;#8209;accrual loan interest&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Partnership investment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;188&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;173&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;General business credit&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1,969&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1,859&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Alternative minimum tax credit&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;34&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;94&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;40&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;34&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 27pt;"&gt;Total deferred tax assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;7,085&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;7,047&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Deferred tax liabilities:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Section 481 Adjustments to bad debts&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(334&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(660&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Deferred loan fees/costs&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(651&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(797&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Basis difference on fixed assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(18&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(15&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Net unrealized appreciation on available&amp;#8209;for&amp;#8209;sale securities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(138&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(59&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;FHLB stock dividends&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(266&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(266&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(3&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Prepaid expenses&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(44&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(27&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 27pt;"&gt;Total deferred tax liabilities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(1,452&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(1,827&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net deferred tax assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;5,633&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;5,220&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion, or all, of the deferred tax asset will not be realized. In assessing the realization of deferred tax assets, management evaluated both positive and negative evidence, the amount of taxes paid in available carry&amp;#8209;back years, and the forecasts of future income and tax planning strategies. Based on this analysis, the Company determined that, as of December 31, 2020 and 2019, no valuation allowance was required on its deferred tax assets, which totaled $5.6 million and $5.2 million, respectively.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;On June 29, 2020, the Assembly Bill No. 85 (AB 85) was signed into law by California Governor Gavin Newsom to raise additional income tax revenue to assist in balancing the California budget caused by the COVID-19 pandemic. The most significant provision of this bill is the suspension of the net operating loss (NOL) deduction for tax years beginning on or after January 1, 2020 and before January 1, 2023. The existing 20-year carry forward period for NOLs (10 years for losses incurred in the tax years 2000 through 2007) would be extended for up to three years if losses are not used due to the NOL suspension. This means the Bank cannot take California NOL deductions for 2020-2022 if its California taxable income is more than $1 million. The life of the 2011 NOL will be extended for up to three years. This also means the Bank could have more cash tax liability for 2020-2022.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;As of December 31, 2020, the Company had federal net operating loss carryforwards of $5.4 million and California net operating loss carryforwards of $27.0 million, which begin expiring in 2032 through 2037 and 2032 through 2037, respectively. The Company also has federal general business credits of $2.0 million, expiring beginning in 2030 through 2040.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Prior to 2018, the Company computed its bad debt deduction for income tax purposes under the reserve method. In 2018, the Company requested, and the IRS consented to a change in accounting method used for computing its tax bad debt deduction from the reserve method to the charge-off method as defined under Internal Revenue Code Section 166. As a result, the Company computes its tax bad debt deduction under the new method and recaptures its excess tax bad debt reserve of $4.3 million into taxable income evenly over a 4 year period starting in 2018.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Balance at beginning of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;475&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;475&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Additions for tax positions of current year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Additions for tax positions of prior year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Reductions for tax positions of prior years&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;"&gt;&lt;div&gt;&lt;div&gt;(475&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Balance at end of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;475&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;At December 31, 2020 and 2019, the Company had zero and $475 thousand in unrecognized tax benefits, respectively. During the second quarter of 2020, the Company recognized an income tax benefit of $273 thousand as a result of a favorable settlement of uncertain tax positions with the California Franchise Tax Board (&amp;#8220;FTB&amp;#8221;). During 2020 and 2019, zero and $8 thousand were accrued during each period for potential interest related to these unrecognized tax benefits, respectively.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Federal tax years 2017 through 2020 remain open for the assessment of Federal income tax. California tax years 2016 through 2020 remain open for the assessment of California franchise tax. The Company was under examination by California FTB for the 2009, 2010, and 2011 tax years. On July 15, 2020, the examination closing agreement was executed by the Company and California FTB, which resulted in a favorable settlement. The Company recognized a tax benefit of $273 thousand in 2020.&lt;/div&gt;&lt;/div&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
  <!--Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount-->
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  <!--Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount-->
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  <!--Income tax benefits-->
  <us-gaap:IncomeTaxExpenseBenefit id="Fact_a60caba2ca0f43328829d810775cbb29" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">-345000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Income tax benefits-->
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  <!--Income tax benefits-Parent Company [Member]-->
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  <!--Tax benefit from tax positions taken in prior years-->
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  <!--Tax benefit from tax positions taken in prior years-->
  <us-gaap:IncomeTaxReconciliationPriorYearIncomeTaxes id="Fact_a044c58c494e4e0fa864f0a20811c20d" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">0</us-gaap:IncomeTaxReconciliationPriorYearIncomeTaxes>
  <!--Tax benefit from tax positions taken in prior years-->
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  <!--Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount-->
  <us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes id="Fact_b544f1d512b749afa63e097fe2eaa599" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">-45000</us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes>
  <!--Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount-->
  <us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes id="Fact_c16e73e3adf444ebaf49390792f790e3" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">-7000</us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes>
  <!--Effective Income Tax Rate Reconciliation, Other Adjustments, Amount-->
  <us-gaap:IncomeTaxReconciliationOtherAdjustments id="Fact_68aa46f959d14a478629c857798e2ff1" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">20000</us-gaap:IncomeTaxReconciliationOtherAdjustments>
  <!--Effective Income Tax Rate Reconciliation, Other Adjustments, Amount-->
  <us-gaap:IncomeTaxReconciliationOtherAdjustments id="Fact_954caeb11fda43f0b82e8902caeb9a46" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">24000</us-gaap:IncomeTaxReconciliationOtherAdjustments>
  <!--Effective Income Tax Rate Reconciliation, Tax Credit, Investment, Amount-->
  <us-gaap:IncomeTaxReconciliationTaxCreditsInvestment id="Fact_455412ea39d84429ab89aab88fc08c4b" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">117000</us-gaap:IncomeTaxReconciliationTaxCreditsInvestment>
  <!--Effective Income Tax Rate Reconciliation, Tax Credit, Investment, Amount-->
  <us-gaap:IncomeTaxReconciliationTaxCreditsInvestment id="Fact_8f3958bc9ca845dc952d0be217891076" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">198000</us-gaap:IncomeTaxReconciliationTaxCreditsInvestment>
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  <us-gaap:IncomeTaxPolicyTextBlock id="Fact_49345476c0a64514b85a252f02fd2dd5" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Income Taxes&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;A tax position is recognized as a benefit only if it is &amp;#8220;more likely than not&amp;#8221; that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the &amp;#8220;more likely than not&amp;#8221; test, no tax benefit is recorded.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Company recognizes interest related to income tax matters in interest expense and penalties related to tax matters in income tax expense.&lt;/div&gt;&lt;/div&gt;</us-gaap:IncomeTaxPolicyTextBlock>
  <!--Income Taxes Paid, Net-->
  <us-gaap:IncomeTaxesPaidNet id="Fact_bc19d83eb2c14ae49e388bcfc610ab69" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">13000</us-gaap:IncomeTaxesPaidNet>
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  <us-gaap:IncomeTaxesPaidNet id="Fact_79097b8d95974e73a8ccdceec37ac8ad" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">8000</us-gaap:IncomeTaxesPaidNet>
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  <!--Interest Expense-Parent Company [Member]-->
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  <!--Interest on borrowings-->
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  <!--Interest on borrowings-->
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  <!--Interest on deposits-->
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  <!--Interest on deposits-->
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  <!--Interest Income (Expense), after Provision for Loan Loss-->
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  <!--Interest Income (Expense), after Provision for Loan Loss-->
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss id="Fact_574023ca37ea4505bfd31c0f6dea592d" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">12140000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <!--Interest Income (Expense), Net-->
  <us-gaap:InterestIncomeExpenseNet id="Fact_68e2c0db780e41e18d1b142046c5b87e" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">12169000</us-gaap:InterestIncomeExpenseNet>
  <!--Interest Income (Expense), Net-->
  <us-gaap:InterestIncomeExpenseNet id="Fact_ce0a778f3d114479906e2cfb345e2e03" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">10461000</us-gaap:InterestIncomeExpenseNet>
  <!--Interest Paid, Excluding Capitalized Interest, Operating Activities-->
  <us-gaap:InterestPaidNet id="Fact_46a9e5dab8af48938222489660a494ce" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">5771000</us-gaap:InterestPaidNet>
  <!--Interest Paid, Excluding Capitalized Interest, Operating Activities-->
  <us-gaap:InterestPaidNet id="Fact_552e22d747334b16972d7fd47a896d8c" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">6336000</us-gaap:InterestPaidNet>
  <!--Accrued interest receivable-->
  <us-gaap:InterestReceivable id="Fact_a4ed870ca23f4bcd98ffb60742dbecda" contextRef="c20201231" unitRef="U001" decimals="-3">1202000</us-gaap:InterestReceivable>
  <!--Accrued interest receivable-->
  <us-gaap:InterestReceivable id="Fact_bb6bf80ee7c34bd480852e9a3ef96514" contextRef="c20191231" unitRef="U001" decimals="-3">1223000</us-gaap:InterestReceivable>
  <!--Interest-bearing deposits in other banks-->
  <us-gaap:InterestBearingDepositsInBanks id="Fact_0e7f8cbe27464867b31be5b46bf50702" contextRef="c20201231" unitRef="U001" decimals="-3">24999000</us-gaap:InterestBearingDepositsInBanks>
  <!--Interest-bearing deposits in other banks-->
  <us-gaap:InterestBearingDepositsInBanks id="Fact_68a72276a8284663ada228125583e64b" contextRef="c20191231" unitRef="U001" decimals="-3">12550000</us-gaap:InterestBearingDepositsInBanks>
  <!--Interest-bearing Domestic Deposit, Checking-->
  <us-gaap:InterestBearingDomesticDepositChecking id="Fact_2188dfcc7e6a47c8997a40e2276afea4" contextRef="c20201231" unitRef="U001" decimals="-3">15237000</us-gaap:InterestBearingDomesticDepositChecking>
  <!--Interest-bearing Domestic Deposit, Checking-->
  <us-gaap:InterestBearingDomesticDepositChecking id="Fact_8381b530bfcc49b298ac602ef8f81e99" contextRef="c20191231" unitRef="U001" decimals="-3">9768000</us-gaap:InterestBearingDomesticDepositChecking>
  <!--Interest-bearing Domestic Deposit, Brokered-->
  <us-gaap:InterestBearingDomesticDepositBrokered id="Fact_5ab76deaa63b4fb7944ba5dc0dfe59ce" contextRef="c20201231" unitRef="U001" decimals="-5">15100000</us-gaap:InterestBearingDomesticDepositBrokered>
  <!--Interest-bearing Domestic Deposit, Brokered-->
  <us-gaap:InterestBearingDomesticDepositBrokered id="Fact_8b34daa868774d12a88a7b633395912a" contextRef="c20191231" unitRef="U001" decimals="-6">0</us-gaap:InterestBearingDomesticDepositBrokered>
  <!--Investment in bank subsidiary-Parent Company [Member]-->
  <us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures id="Fact_254487bcb9db4409aebc8d2851cb3c1a" contextRef="c20191231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">50594000</us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures>
  <!--Investment in bank subsidiary-Parent Company [Member]-->
  <us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures id="Fact_84bd833469194ef8aa8b3e03c29c2b7e" contextRef="c20201231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">49418000</us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures>
  <!--Securities-->
  <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock id="Fact_483fce37eda744b6b6e075829785e266" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 3 &amp;#8211; Securities&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The following table summarizes the amortized cost and fair value of the available&amp;#8209;for&amp;#8209;sale investment securities portfolios at December 31, 2020 and December 31, 2019 and the corresponding amounts of unrealized gains (losses) which are recognized in accumulated other comprehensive income:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Amortized&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Cost&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Gross&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Unrealized&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Gains&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Gross&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Unrealized&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Losses&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Fair Value&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 42%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2020:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Federal agency mortgage&amp;#8209;backed securities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5,550&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;257&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5,807&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Federal agency debt&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,682&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;190&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,872&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Municipal bonds&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;19&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 25.2pt;"&gt;Total available&amp;#8209;for&amp;#8209;sale securities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;10,232&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;466&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;10,698&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2019:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Federal agency mortgage&amp;#8209;backed securities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7,792&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;164&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7,956&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Federal agency debt&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,014&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;36&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,050&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 25.2pt;"&gt;Total available&amp;#8209;for&amp;#8209;sale securities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;10,806&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;200&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;11,006&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;At December 31, 2020, the Bank had two federal agency debt securities with a total amortized cost of $2.7 million and estimated total fair value of $2.9 million and an estimated average remaining life of 5.0 years. The Bank also had 22 federal agency mortgage&amp;#8209;backed securities with total amortized cost of $5.6 million, estimated total fair value of $5.8 million and an estimated average remaining life of 2.8 years. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties.&amp;#160; In 2020, the Bank purchased five municipal bonds with a total amortized cost of $2.0 million, estimated fair value of $2.0 million at December 31, 2020 and an estimated average remaining life of 6.4 years.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;At December 31, 2020 and 2019, there were no securities pledged to secure public deposits since those public deposits are under $250 thousand which are fully insured by FDIC. At December 31, 2020 and 2019, there were no holdings of securities by any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders&amp;#8217; equity.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;There were no sales of securities during the years ended December 31, 2020 and 2019.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Bank held 29 and 24 securities with unrealized gains and no securities with unrealized losses at December 31, 2020 and 2019, respectively. Securities in unrealized gain positions are analyzed as part of our ongoing assessment of other&amp;#8209;than&amp;#8209;temporary improvement in fair market values primarily caused by movements in market interest rates subsequent to the purchase of such securities.&amp;#160; All of the Bank's securities were issued by the federal government or federal government agencies, or municipalities.&lt;/div&gt;&lt;/div&gt;</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
  <!--Lessee, Operating Lease, Liability, Undiscounted Excess Amount-->
  <us-gaap:LesseeOperatingLeaseLiabilityUndiscountedExcessAmount id="Fact_ba8be1625f314fdcaf19ac9430ddd365" contextRef="c20201231" unitRef="U001" decimals="-3">1000</us-gaap:LesseeOperatingLeaseLiabilityUndiscountedExcessAmount>
  <!--Operating lease, extension term-->
  <us-gaap:LesseeOperatingLeaseRenewalTerm id="Fact_9dbd244c66044f12b5284f341888c536" contextRef="c20201231">P5Y</us-gaap:LesseeOperatingLeaseRenewalTerm>
  <!--Lessee, Operating Lease, Liability, to be Paid-->
  <us-gaap:LesseeOperatingLeaseLiabilityPaymentsDue id="Fact_cf74ac9964a341c6a958351a575313e0" contextRef="c20201231" unitRef="U001" decimals="-3">195000</us-gaap:LesseeOperatingLeaseLiabilityPaymentsDue>
  <!--Lessee, Operating Lease, Liability, Maturity [Table Text Block]-->
  <us-gaap:LesseeOperatingLeaseLiabilityMaturityTableTextBlock id="Fact_c4914da4b219470f83396b0c93de0811" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The future minimum payments for operating leases with remaining terms of one year or more as of December 31, 2020 were as follows (in thousands):&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table align="left" border="0" cellpadding="0" cellspacing="0" style="width: 70%; color: #000000; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 58%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"&gt;&lt;div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;"&gt;Year ended December 31, 2021&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"&gt;$&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;195&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 58%;"&gt;&lt;div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;"&gt;Total Future Minimum Lease Payments&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;195&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 58%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: justify; text-indent: -9pt; margin-left: 18pt;"&gt;Amounts Representing Interest&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;(1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"&gt;&lt;div&gt;&lt;u&gt;)&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 4px; width: 58%;"&gt;&lt;div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;"&gt;Present Value of Net Future Minimum Lease Payments&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;194&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:LesseeOperatingLeaseLiabilityMaturityTableTextBlock>
  <!--Leases-->
  <us-gaap:LesseeOperatingLeasesTextBlock id="Fact_a0c2ba954ebe449fa0435edb0ca9001b" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-weight: bold;"&gt;Note 7 &lt;/font&gt;&amp;#8211;&lt;font style="font-weight: bold;"&gt; Leases&lt;/font&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Bank has a combined operating lease for its corporate headquarters and main retail branch and a photocopier lease. The ROU asset and operating lease liability are recorded in fixed assets and other liabilities, respectively, in the consolidated statements of financial condition.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Our ROU asset represents our right to use an underlying asset during the lease term. Operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate at the date of implementation of the new accounting standard.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The operating lease for our corporate headquarters and main retail branch has one 5-year extension option at the then fair market rate. As this extension option is not reasonably certain of exercise, it is not included in the lease term. The Bank recorded a ROU asset of $190 thousand and an operating lease liability of $194 thousand as of December 31, 2020. The Bank has no finance leases.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Rent expense under the operating leases was $598 thousand for 2020 and $600 thousand for 2019.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div&gt;Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands):&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table align="left" border="0" cellpadding="0" cellspacing="0" style="width: 80%; color: #000000; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div style="text-align: center;"&gt;Year Ended&lt;/div&gt;&lt;div style="text-align: center; font-style: normal;"&gt;December 31, 2020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 65%;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: top;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 65%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Cash paid for amounts included in the measurement of&amp;#160; lease liabilities for operating leases:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;351&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 65%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;ROU assets obtained in exchange for lease liabilities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div&gt;190&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Weighted average remaining lease term in months&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: 'Times New Roman';"&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Weighted average discount rate&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;2.75&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;%&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div style="clear: both;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The future minimum payments for operating leases with remaining terms of one year or more as of December 31, 2020 were as follows (in thousands):&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table align="left" border="0" cellpadding="0" cellspacing="0" style="width: 70%; color: #000000; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 58%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"&gt;&lt;div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;"&gt;Year ended December 31, 2021&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"&gt;$&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;195&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 58%;"&gt;&lt;div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;"&gt;Total Future Minimum Lease Payments&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;195&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 58%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: justify; text-indent: -9pt; margin-left: 18pt;"&gt;Amounts Representing Interest&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;(1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"&gt;&lt;div&gt;&lt;u&gt;)&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 4px; width: 58%;"&gt;&lt;div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;"&gt;Present Value of Net Future Minimum Lease Payments&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;194&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:LesseeOperatingLeasesTextBlock>
  <!--Year ended December 31, 2021-->
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  <!--Compensation and benefits-->
  <us-gaap:LaborAndRelatedExpense id="Fact_2cc8b1c0b409424983cdc18b215b0cb2" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">7357000</us-gaap:LaborAndRelatedExpense>
  <!--Compensation and benefits-->
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  <!--Operating lease expense-->
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  <!--Operating lease expense-->
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  <!--Lease, Cost [Table Text Block]-->
  <us-gaap:LeaseCostTableTextBlock id="Fact_f43754dc4a7a45fbac7631ee9348a495" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div&gt;Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands):&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table align="left" border="0" cellpadding="0" cellspacing="0" style="width: 80%; color: #000000; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div style="text-align: center;"&gt;Year Ended&lt;/div&gt;&lt;div style="text-align: center; font-style: normal;"&gt;December 31, 2020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 65%;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: top;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 65%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Cash paid for amounts included in the measurement of&amp;#160; lease liabilities for operating leases:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;351&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 65%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;ROU assets obtained in exchange for lease liabilities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div&gt;190&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Weighted average remaining lease term in months&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: 'Times New Roman';"&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Weighted average discount rate&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;2.75&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;%&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:LeaseCostTableTextBlock>
  <!--Liabilities and Equity-->
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  <!--Loan related expenses-->
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  <us-gaap:LoanProcessingFee id="Fact_62d01d97038a4e28a4e4021653da1bed" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">115000</us-gaap:LoanProcessingFee>
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  <!--Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]-->
  <us-gaap:LoansAndLeasesReceivableAllowanceForLoanLossesPolicy id="Fact_1a117f186b6b4800a943417682b13d4b" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Allowance for Loan Losses&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent cash recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management&amp;#8217;s judgment, could be charged off.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (&amp;#8220;TDR&amp;#8221;) and classified as impaired.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on case&amp;#8209;by&amp;#8209;case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&amp;#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;If a loan is impaired, either a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan&amp;#8217;s existing rate or alternatively a charge&amp;#8209;off is taken to record the loan at the fair value of the collateral, less estimated selling costs, if repayment is expected solely from the collateral.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;TDRs are individually evaluated for impairment and included in the separately identified impairment disclosures. TDRs are measured at the present value of estimated future cash flows using the loan&amp;#8217;s effective rate at inception. If a TDR is a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs that subsequently default, the Company determines the amount of any necessary additional charge&amp;#8209;off based on internal analyses and appraisals of the underlying collateral securing these loans.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The general component covers loans that are collectively evaluated for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment with the use of a loss migration analysis and is based on the actual loss history experienced by the Company over the most recent five years. This actual loss experience is supplemented with information about other current economic factors based on the risks present for each portfolio segment. These current economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge&amp;#8209;offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The following portfolio segments have been identified: one&amp;#8209;to&amp;#8209;four units (&amp;#8220;single family&amp;#8221;), five or more units (&amp;#8220;multi&amp;#8209;family&amp;#8221;), commercial real estate, church, construction, commercial loans, and consumer loans. The risks in our various portfolio segments are as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Single Family&lt;/font&gt; &amp;#8211; Subject to adverse employment conditions in the local economy leading to increased default rate, decreased market values from oversupply in a geographic area and&amp;#160; incremental rate increases on adjustable rate mortgages which may impact the ability of borrowers to maintain payments.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Multi&amp;#8209;Family&lt;/font&gt; &amp;#8211; Subject to adverse various market conditions that cause a decrease in market value or lease rates, changes in personal funding sources for tenants, oversupply of units in a specific region, population shifts and reputational risks.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Commercial Real Estate&lt;/font&gt; &amp;#8211; Subject to adverse conditions in the local economy which may lead to reduced cash flows due to vacancies and reduced rental rates, and decreases in the value of underlying collateral.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Church&lt;/font&gt; &amp;#8211; Subject to adverse economic and employment conditions, which may lead to reduced cash flows from members&amp;#8217; donations and offerings, and the stability, quality and popularity of church leadership.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Construction&lt;/font&gt; &amp;#8211; Subject to adverse conditions in the local economy, which may lead to reduced demand for new commercial, multi&amp;#8209;family or single family buildings or reduced lease or sale opportunities once the building is complete.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Commercial&lt;/font&gt; &amp;#8211; Subject to industry and economic conditions including decreases in product demand.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Consumer&lt;/font&gt; &amp;#8211; Subject to adverse employment conditions in the local economy, which may lead to higher default rates.&lt;/div&gt;&lt;/div&gt;</us-gaap:LoansAndLeasesReceivableAllowanceForLoanLossesPolicy>
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The ASU removes numerous disclosures from Topic 820 including transfers between level 1 and 2 of the fair value hierarchy, the policy for timing of transfers between levels, and the valuation process for level 3 fair value measurements. The ASU also modified and added disclosure requirements regarding changes in unrealized gains and losses included in other comprehensive income, as well as the range and weighted average of unobservable inputs for level 3 fair value measurements. The ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019, with early adoption permitted. The guidance did not have a significant impact on the Company's consolidated financial statements.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In March 2020, the FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU provides optional expedients and exceptions regarding the accounting related to the modifications of certain contracts, relationships and other transactions that are affected by reference rate reform related to contracts that reference LIBOR or other reference rates that could be discontinued due to reference rate reform.&amp;#160; This guidance was effective immediately and the amendments may be applied prospectively through December 31, 2022.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Accounting Pronouncements Yet to Be Adopted &amp;#8211;&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In June 2016, the FASB issued ASU 2016-13, &amp;#8220;Financial Instruments &amp;#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.&amp;#8221;&amp;#160; ASU 2016-13 replaces the incurred loss model with an expected loss model, which is referred to as the current expected credit loss (CECL) model.&amp;#160; The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables, held-to-maturity debt securities, and reinsurance receivables. It also applies to off-balance sheet credit exposures not accounted for as insurance (such as loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor.&amp;#160; For debt securities with other-than-temporary impairment, the guidance will be applied prospectively.&amp;#160; Existing purchased credit impaired (PCI) assets will be grandfathered and classified as purchased credit deteriorated (PCD) assets at the date of adoption.&amp;#160; The asset will be grossed up for the allowance for expected credit losses for all PCD assets at the date of adoption and will continue to recognize the noncredit discount in interest income based on the yield of such assets as of the adoption date.&amp;#160; Subsequent changes in expected credit losses will be recorded through the allowance.&amp;#160; For all other assets within the scope of CECL, a cumulative-effect adjustment will be recognized in retained earnings as of the beginning of the first reporting period in which the guidance is effective.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;On October 16, 2019, the FASB voted to affirm the proposed amended effective date for ASU 2016-13 for smaller reporting companies (&amp;#8220;SRCs&amp;#8221;) as defined by the SEC. The final ASU, which was issued in November 2019, delays the implementation date for ASU 2016-13 to fiscal years beginning after December 15, 2022. SRCs are defined as companies with less than $250 million of public float or less than $100 million in annual revenues for the previous year and no public float or public float of less than $700 million.&amp;#160; The Company qualifies as an SRC, and management will implement ASU 2016-13 in the first quarter of 2023.&amp;#160; The estimated financial impact has not yet been determined.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments - Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments.&amp;#160; This ASU is effective January 1, 2020 and clarifies the scope of the credit losses standard and addresses issues related to accrued interest receivable balances, recoveries, variable interest rates and prepayments, among other things. The amendments to Topic 326 have the same effective dates as ASU 2016-13. This guidance did not have a significant impact on the Company's consolidated financial statements.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In May 2019, the FASB issued ASU No. 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief. This ASU allows entities to irrevocably elect the fair value option on an instrument-by-instrument basis for eligible financial assets measured at amortized cost basis upon adoption of the credit loss standards. The effective date for this ASU is the same as for ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes. 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  <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent id="Fact_fdfc8b1c1cf3405c9f8c529751d9c525" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">260000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
  <!--Financing Receivable, Past Due [Table Text Block]-->
  <us-gaap:PastDueFinancingReceivablesTableTextBlock id="Fact_1d2a1151f4154b588ad56c7f9c6abe5a" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="14" rowspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center; font-weight: bold;"&gt;December 31, 2020&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;30&amp;#8209;59&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Days&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;60&amp;#8209;89&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Days&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center; width: 11%;"&gt;&lt;div&gt;&lt;div style="font-weight: bold;"&gt;Greater than&lt;/div&gt;&lt;div style="font-weight: bold;"&gt;90 Days&lt;/div&gt;&lt;div&gt;&lt;font style="font-weight: bold;"&gt;Past Due &lt;/font&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Current&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 30%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="12" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Loans receivable held for investment:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;$&amp;#160; &lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;$ &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#160; &amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,357&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,357&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;273,864&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;273,864&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Commercial real estate&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,322&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,322&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,308&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,308&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;430&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;430&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;56&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;56&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 11%;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;$&amp;#160; &lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;$ &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;363,344&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;363,344&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="14" rowspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;30&amp;#8209;59&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Days&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;60&amp;#8209;89&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Days&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 11%;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Greater than&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;90 Days&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Past Due&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Current&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 30%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="12" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Loans receivable held for investment:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;18&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;$&amp;#160;&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;$&amp;#160;&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;18&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;73,094&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;73,112&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;289,043&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;289,043&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Commercial real estate&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;14,818&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;14,818&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;20,648&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;20,648&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;3,125&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;3,125&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;262&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;262&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 30%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 11%;"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); 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width: 30%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;18&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;$&amp;#160;&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;$&amp;#160;&amp;#160; &lt;br /&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 11%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#160;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160;&amp;#160; &amp;#8209;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;18&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;401,011&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;401,029&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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  <us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock id="Fact_d7016acd11554cd1a89ca3f1fda1ab2a" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 6 &amp;#8211; Office Properties and Equipment, net&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Year&amp;#8209;end office properties and equipment were as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Land&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;572&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;572&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Office buildings and improvements&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;3,275&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;3,268&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Rights of use assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;190&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;727&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Furniture, fixtures and equipment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;2,239&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;1,831&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;6,276&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;6,398&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Less accumulated depreciation&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(3,736&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(3,615&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Office properties and equipment, net&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;2,540&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;2,783&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Depreciation expense was $121 thousand and $227 thousand for the years 2020 and 2019, respectively.&lt;/div&gt;&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
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  <us-gaap:PropertyPlantAndEquipmentTextBlock id="Fact_5e4604014d03408dbb50c4f3520d6fb3" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;Year&amp;#8209;end office properties and equipment were as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Land&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;572&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;572&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Office buildings and improvements&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;3,275&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;3,268&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Rights of use assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;190&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;727&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Furniture, fixtures and equipment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;2,239&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;1,831&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;6,276&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;6,398&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Less accumulated depreciation&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(3,736&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(3,615&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Office properties and equipment, net&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;2,540&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;2,783&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
  <!--Property, Plant and Equipment, Gross-Furniture and Fixtures [Member]-->
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  <!--Property, Plant and Equipment, Gross-->
  <us-gaap:PropertyPlantAndEquipmentGross id="Fact_422a5e9e72464487b07940e3d1e1e1c2" contextRef="c20191231" unitRef="U001" decimals="-3">6398000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Property, Plant and Equipment, Gross-Right Of Use Assets [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross id="Fact_48db69a34da34b0aa86ce26edc44af1a" contextRef="c20201231_PropertyPlantAndEquipmentByTypeAxis_RightOfUseAssetsMember" unitRef="U001" decimals="-3">190000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Property, Plant and Equipment, Gross-Building and Building Improvements [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross id="Fact_680c426048014b1eb676ef5169af7dd0" contextRef="c20191231_PropertyPlantAndEquipmentByTypeAxis_BuildingAndBuildingImprovementsMember" unitRef="U001" decimals="-3">3268000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Property, Plant and Equipment, Gross-Right Of Use Assets [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross id="Fact_72ea80ddbf214b2aa92fc2af106f3205" contextRef="c20191231_PropertyPlantAndEquipmentByTypeAxis_RightOfUseAssetsMember" unitRef="U001" decimals="-3">727000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Property, Plant and Equipment, Gross-Land [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross id="Fact_b97b1c36d1a6496fad37e14b37da9779" contextRef="c20191231_PropertyPlantAndEquipmentByTypeAxis_LandMember" unitRef="U001" decimals="-3">572000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Property, Plant and Equipment, Gross-Building and Building Improvements [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross id="Fact_c1ad45c13006411fb91b680969307f67" contextRef="c20201231_PropertyPlantAndEquipmentByTypeAxis_BuildingAndBuildingImprovementsMember" unitRef="U001" decimals="-3">3275000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Property, Plant and Equipment, Gross-->
  <us-gaap:PropertyPlantAndEquipmentGross id="Fact_c1c5ecd845a0492792f5e3accb2f9d0b" contextRef="c20201231" unitRef="U001" decimals="-3">6276000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Property, Plant and Equipment, Gross-Furniture and Fixtures [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross id="Fact_cf8a0fecca2c4786aa01990b78b3dd5b" contextRef="c20191231_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember" unitRef="U001" decimals="-3">1831000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Property, Plant and Equipment, Gross-Land [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross id="Fact_f6022e58798f476fba590baa20163b58" contextRef="c20201231_PropertyPlantAndEquipmentByTypeAxis_LandMember" unitRef="U001" decimals="-3">572000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--us-gaap_PropertyPlantAndEquipmentNet-->
  <us-gaap:PropertyPlantAndEquipmentNet id="Fact_1c4b9291fdfb401da9fdc74116acd057" contextRef="c20191231" unitRef="U001" decimals="-3">2783000</us-gaap:PropertyPlantAndEquipmentNet>
  <!--us-gaap_PropertyPlantAndEquipmentNet-->
  <us-gaap:PropertyPlantAndEquipmentNet id="Fact_7406417c048f4f0691ab0d551702923c" contextRef="c20201231" unitRef="U001" decimals="-3">2540000</us-gaap:PropertyPlantAndEquipmentNet>
  <!--Property, Plant and Equipment, Policy [Policy Text Block]-->
  <us-gaap:PropertyPlantAndEquipmentPolicyTextBlock id="Fact_d6bc633f5a8340e1841909b38ee1b2eb" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Office Properties and Equipment&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight&amp;#8209;line method with useful lives ranging from 10 to 40 years. Furniture, fixtures and equipment are depreciated using the straight&amp;#8209;line method with useful lives ranging from 3 to 10 years. Leasehold improvements are amortized over the lease term or the estimated useful life of the asset, whichever is shorter.&lt;/div&gt;&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentPolicyTextBlock>
  <!--Provision for (recapture of) loan losses-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_28d797b5022448fa91a017a727f888eb" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">-7000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for (recapture of) loan losses-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_46741ee4d31244c9ae481dddf7fd5393" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">29000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for (recapture of) loan losses-Church Loan [Member]-Real Estate [Member]-->
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  <!--Provision for (recapture of) loan losses-Real Estate [Member]-Construction Loans [Member]-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_0971bf32867e4aa3b087af91d84207a7" contextRef="c20190101to20191231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConstructionLoansMember" unitRef="U001" decimals="-3">29000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for (recapture of) loan losses-Commercial Real Estate [Member]-Real Estate [Member]-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_0cdc0a270eb44a43969f829fcd3d21f3" contextRef="c20200101to20201231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U001" decimals="-3">89000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for (recapture of) loan losses-Single Family Loan [Member]-Real Estate [Member]-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_0e2ae965c3f74d78b028344923156509" contextRef="c20190101to20191231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_SingleFamilyLoanMember" unitRef="U001" decimals="-3">-57000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for (recapture of) loan losses-Real Estate [Member]-Construction Loans [Member]-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_14a7eb86a61549b48c90a6c4423c515f" contextRef="c20200101to20201231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConstructionLoansMember" unitRef="U001" decimals="-3">-26000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for (recapture of) loan losses-Real Estate [Member]-Single Family Loan [Member]-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_6cc5121b7cc04ec483c1d4d84405cbfb" contextRef="c20200101to20201231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_SingleFamilyLoanMember" unitRef="U001" decimals="-3">-20000</us-gaap:ProvisionForLoanAndLeaseLosses>
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  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_9c0fbae7c4a74f89bedf7777f13451d9" contextRef="c20190101to20191231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MultifamilyLoanMember" unitRef="U001" decimals="-3">439000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for (recapture of) loan losses-Real Estate [Member]-Church Loan [Member]-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_ab3f326f98034919a9072b9008f7434e" contextRef="c20190101to20191231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ChurchLoanMember" unitRef="U001" decimals="-3">-501000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for (recapture of) loan losses-Real Estate [Member]-Multifamily Loan [Member]-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_d566ceeae60a4c15b51b69892a94719b" contextRef="c20200101to20201231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MultifamilyLoanMember" unitRef="U001" decimals="-3">114000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for (recapture of) loan losses-Real Estate [Member]-Commercial Real Estate [Member]-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_dba2ce2bdddc49a8a9ff611dd380a6f9" contextRef="c20190101to20191231_FinancingReceivablePortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U001" decimals="-3">81000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for (recapture of) loan losses-Consumer Portfolio Segment [Member]-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_e694a557bfef4c5dad83efe28f6c14b5" contextRef="c20200101to20201231_FinancingReceivablePortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="-3">0</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for (recapture of) loan losses-Commercial Portfolio Segment [Member]-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_e79ee2cacb2d4d56a706056458d8c069" contextRef="c20190101to20191231_FinancingReceivablePortfolioSegmentAxis_CommercialPortfolioSegmentMember" unitRef="U001" decimals="-3">1000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for (recapture of) loan losses-Consumer Portfolio Segment [Member]-->
  <us-gaap:ProvisionForLoanAndLeaseLosses id="Fact_f256efde4a3a43c7a13edcba6afe63c8" contextRef="c20190101to20191231_FinancingReceivablePortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="-3">1000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Financing Receivable, Credit Loss, Expense (Reversal)-->
  <us-gaap:ProvisionForLoanLossesExpensed id="Fact_82adf4fd4d194c038af5421a5f9a15ca" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">29000</us-gaap:ProvisionForLoanLossesExpensed>
  <!--Financing Receivable, Credit Loss, Expense (Reversal)-->
  <us-gaap:ProvisionForLoanLossesExpensed id="Fact_9fdb98b4bf5b4a87841c6de15e1ce4e4" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">-7000</us-gaap:ProvisionForLoanLossesExpensed>
  <!--ROU assets obtained in exchange for lease liabilities-->
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  <!--Capital and Regulatory Matters-->
  <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock id="Fact_f59a8dbe4c0d4867b7b4e0a19e267b7f" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 15 &amp;#8211; Capital and Regulatory Matters&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Bank&amp;#8217;s capital requirements are administered by the Office of the Comptroller of the Currency (&amp;#8220;OCC&amp;#8221;) and involve quantitative measures of assets, liabilities, and certain off&amp;#8209;balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by the OCC. Failure to meet capital requirements can result in regulatory action.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The federal banking regulators approved final capital rules (&amp;#8220;Basel III Capital Rules&amp;#8221;) in July 2013 implementing the Basel III framework as well as certain provisions of the Dodd&amp;#8209;Frank Act. The Basel III Capital Rules prescribe a standardized approach for calculating risk&amp;#8209;weighted assets and revised the definition and calculation of Tier 1 capital and Total Capital, and include a new Common Equity Tier 1 capital (&amp;#8220;CET1&amp;#8221;) measure. Under the Basel III Capital Rules, the currently effective minimum capital ratios are:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"&gt;&lt;tr&gt;&lt;td style="width: 36pt;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td style="width: 18pt; vertical-align: top; align: right;"&gt;&amp;#8226;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top; text-align: justify;"&gt;&lt;div&gt;4.5% CET1 to risk&amp;#8209;weighted assets;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"&gt;&lt;tr&gt;&lt;td style="width: 36pt;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td style="width: 18pt; vertical-align: top; align: right;"&gt;&amp;#8226;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top; text-align: justify;"&gt;&lt;div&gt;6.0% Tier 1 capital (that is, CET1 plus Additional Tier 1 capital) to risk&amp;#8209;weighted assets;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"&gt;&lt;tr&gt;&lt;td style="width: 36pt;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td style="width: 18pt; vertical-align: top; align: right;"&gt;&amp;#8226;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top; text-align: justify;"&gt;&lt;div&gt;8.0% Total capital (that is, Tier 1 capital plus Tier 2 capital) to risk&amp;#8209;weighted assets; and&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"&gt;&lt;tr&gt;&lt;td style="width: 36pt;"&gt;&lt;br /&gt;&lt;/td&gt;&lt;td style="width: 18pt; vertical-align: top; align: right;"&gt;&amp;#8226;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top; text-align: justify;"&gt;&lt;div&gt;4.0% Tier 1 capital to average consolidated assets (known as the &amp;#8220;leverage ratio&amp;#8221;).&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;A capital conservation buffer was also established above the regulatory minimum capital requirements. This capital conservation buffer was phased in beginning January 1, 2016 at 0.625% of risk&amp;#8209;weighted assets and increased each subsequent year by an additional 0.625% until it reached its final level of 2.5% on January 1, 2019.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Basel III Capital rules also contained revisions to the prompt corrective action framework, which are designed to place restrictions on insured depository institutions if their capital levels begin to show signs of weakness. Under the prompt corrective action requirements, which are designed to complement the capital conservation buffer, insured depository institutions are now required to meet the following increased capital level requirements in order to qualify as &amp;#8220;well capitalized&amp;#8221;: (i) a CET1 capital ratio of 6.5%; (ii) a Tier 1 capital ratio of 8% (increased from 6%); (iii) a total capital ratio of 10% (unchanged from previous rules); and (iv) a Tier 1 leverage ratio of 5% (unchanged from previous rules).&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Basel III Capital Rules became effective for the Bank on January 1, 2015. At December 31, 2020 and 2019, the Bank&amp;#8217;s level of capital exceeded all regulatory capital requirements and its regulatory capital ratios were above the minimum levels required to be considered well capitalized for regulatory purposes. Actual and required capital amounts and ratios as of the periods indicated are presented below.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Actual&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Minimum Capital&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Requirements&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Minimum Required&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;To Be Well&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Capitalized Under&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Prompt Corrective&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Action Provisions&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Amount&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Ratio&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Amount&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Ratio&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Amount&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Ratio&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="22" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(Dollars in thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;December 31, 2020:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Tier 1 (Leverage)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;46,565&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;9.54&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;19,530&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,413&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Common Equity Tier 1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;46,565&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;18.95&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;11,059&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4.50&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;15,975&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;6.50&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Tier 1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;46,565&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;18.95&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;14,746&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;6.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;19,661&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Total Capital&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;49,802&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;20.20&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;19,661&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,577&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;10.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;December 31, 2019:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Tier 1 (Leverage)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,541&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;11.56&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,798&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;20,997&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Common Equity Tier 1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,541&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;17.14&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;12,743&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4.50&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;18,406&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;6.50&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Tier 1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,541&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;17.14&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,990&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;6.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;22,654&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Total Capital&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;51,790&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;18.29&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;22,654&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;28,318&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;10.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
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  <us-gaap:RelatedPartyDepositLiabilities id="Fact_a40fc447ee5f435bbff6c4c92ba05766" contextRef="c20191231" unitRef="U001" decimals="-5">1800000</us-gaap:RelatedPartyDepositLiabilities>
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  <!--Payments of FHLBank Borrowings, Financing Activities-->
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  <us-gaap:RetainedEarningsAccumulatedDeficit id="Fact_2e857cf963494a0c861f035f6ae63371" contextRef="c20191231" unitRef="U001" decimals="-3">8425000</us-gaap:RetainedEarningsAccumulatedDeficit>
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  <!--CDFI Grant-->
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  <!--CDFI Grant-->
  <us-gaap:RevenueNotFromContractWithCustomer id="Fact_b6e184e87fd9477897fbb7b3119d48b3" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">203000</us-gaap:RevenueNotFromContractWithCustomer>
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  <us-gaap:RevenueFromContractWithCustomerPolicyTextBlock id="Fact_1b99ca5f512a4a76861537921406378d" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Revenue Recognition&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Accounting Standard Codification (&amp;#8220;ASC&amp;#8221;) 606, Revenue from Contracts with Customers (&amp;#8220;ASC 606&amp;#8221;), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity&amp;#8217;s contracts to provide goods or services to customers. The core principle requires the Company to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. Most of our revenue&amp;#8209;generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans and investment securities, as these activities are subject to other GAAP discussed elsewhere within our disclosures. The Company&amp;#8217;s revenue stream that is within the scope of Topic 606 is primarily service charges on deposit accounts, which consist of monthly service fees, check orders, and other deposit account related fees. The Company&amp;#8217;s performance obligation for monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees are largely transaction based, and therefore, the Company&amp;#8217;s performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers&amp;#8217; accounts.&lt;/div&gt;&lt;/div&gt;</us-gaap:RevenueFromContractWithCustomerPolicyTextBlock>
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  <us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax id="Fact_89c5595dfa85493d8ae994581c3edfd9" contextRef="c20190101to20191231" unitRef="U001" decimals="-3">491000</us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>
  <!--Service charges-->
  <us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax id="Fact_c286b867c7264f4ebef8e06a5cf9a840" contextRef="c20200101to20201231" unitRef="U001" decimals="-3">420000</us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax>
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  <us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1 id="Fact_738bff02bdb04e93972aeb50b77d69f5" contextRef="c20201231_AwardDateAxis_GrantDateAsOfFebruary242016Member_AwardTypeAxis_EmployeeStockOptionMember" unitRef="U003" decimals="2">1.62</us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1>
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  <us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1 id="Fact_55fbaa69fa9c49f6bd8e09879b1102dc" contextRef="c20201231_AwardDateAxis_GrantDateAsOfFebruary242016Member_AwardTypeAxis_EmployeeStockOptionMember" unitRef="U003" decimals="2">1.62</us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1>
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  <us-gaap:SaleOfStockPricePerShare id="Fact_4247a4d61d5b4fa1aa78c99ff6bc2b02" contextRef="c20210317_SubsequentEventTypeAxis_SubsequentEventMember_SubsidiarySaleOfStockAxis_PrivatePlacementMember" unitRef="U003" decimals="INF">1.78</us-gaap:SaleOfStockPricePerShare>
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  <!--Reconciliation of Unrecognized Tax Benefits-->
  <us-gaap:ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock id="Fact_aecc6e67e5e44d75b8ffc25da14592fe" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Balance at beginning of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;475&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;475&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Additions for tax positions of current year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Additions for tax positions of prior year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Reductions for tax positions of prior years&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;"&gt;&lt;div&gt;&lt;div&gt;(475&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Balance at end of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;475&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock>
  <!--Summary of Stock Option Activity-->
  <us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock id="Fact_d1713809377046a1b87193dab24f9624" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The following table summarizes stock option activity during the years ended December 31, 2020 and 2019:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Number&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Weighted&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Exercise&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Price&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Number&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Weighted&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Exercise&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Price&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Outstanding at beginning of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;455,000&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1.67&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;537,500&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;2.19&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Granted during the year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 42%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Exercised during the year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right;"&gt;&amp;#8209;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Forfeited or expired during the year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(5,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;"&gt;&lt;div&gt;6.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(82,500&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;"&gt;&lt;div&gt;4.98&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Outstanding at end of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;450,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;1.62&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;455,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;1.67&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Exercisable at end of year&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;360,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;1.62&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;275,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;1.70&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock>
  <!--Principal Repayments of Junior Subordinated Debentures-->
  <us-gaap:ScheduleOfMaturitiesOfLongTermDebtTableTextBlock id="Fact_c32cee7200d84f118085c291cab995aa" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;Scheduled principal repayments of junior subordinated debentures over the next four years are as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 60%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 48%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Amount&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 48%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2021&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2022&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1,020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2023&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2024&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;255&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;3,315&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfMaturitiesOfLongTermDebtTableTextBlock>
  <!--Financing Receivable, Nonaccrual [Table Text Block]-->
  <us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock id="Fact_5711ddab572a450a80dd9d58efc2a874" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The following table presents the recorded investment in non&amp;#8209;accrual loans by loan type as of the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-indent: -9pt; margin-left: 9pt; width: 70%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 70%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Loans receivable held for investment:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;18&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;786&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;406&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total non-accrual loans&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;787&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;424&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock>
  <!--Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]-->
  <us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock id="Fact_5e9475d4bc0448b8a0ccff4e0c0f4c05" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;Income tax (benefit) expense was as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Current&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Federal&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(59&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(66&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;State&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;144&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;5&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Deferred&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Federal&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;7&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(225&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;State&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(499&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(59&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(407&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(345&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock>
  <!--Schedule of Deferred Tax Assets and Liabilities [Table Text Block]-->
  <us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock id="Fact_7fb2c057b0964211ba604201d682f996" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;Year&amp;#8209;end deferred tax assets and liabilities were due to the following:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Deferred tax assets:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Allowance for loan losses&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;909&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;897&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Accrued liabilities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;139&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;137&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;State income taxes&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;58&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;36&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Stock compensation&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;310&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;202&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Net operating loss carryforward&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;3,437&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;3,614&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Non&amp;#8209;accrual loan interest&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Partnership investment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;188&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;173&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;General business credit&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1,969&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1,859&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Alternative minimum tax credit&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;34&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;94&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;40&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;34&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 27pt;"&gt;Total deferred tax assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;7,085&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;7,047&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Deferred tax liabilities:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Section 481 Adjustments to bad debts&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(334&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(660&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Deferred loan fees/costs&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(651&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(797&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Basis difference on fixed assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(18&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(15&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Net unrealized appreciation on available&amp;#8209;for&amp;#8209;sale securities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(138&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(59&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;FHLB stock dividends&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(266&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(266&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(3&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Prepaid expenses&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(44&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(27&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 27pt;"&gt;Total deferred tax liabilities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(1,452&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(1,827&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net deferred tax assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;5,633&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;5,220&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
  <!--Factors Used in Earnings Per Common Share Computation-->
  <us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock id="Fact_40e08f351ed8425e8954174f0faf0c69" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The factors used in the earnings per common share computation follow:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%; text-indent: -9pt; margin-left: 9pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Dollars in thousands,&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;except share and per share)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net loss&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(642&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(206&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Less net income attributable to participating securities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Loss available to common stockholders&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(642&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(206&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Weighted average common shares outstanding for basic earnings per common share&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;27,163,427&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;26,833,693&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Add: dilutive effects of unvested restricted stock awards&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Weighted average common shares outstanding for diluted earnings per common share&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;27,163,427&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;26,833,693&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Loss per common share &amp;#8211; basic&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(0.02&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(0.01&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Loss per common share &amp;#8211; diluted&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(0.02&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;(0.01&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
  <!--Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]-->
  <us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock id="Fact_cbb1e5d6e55b4fc39f009a32d04ba06c" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;Effective tax rates differ from the federal statutory rate of 21% applied to income before income taxes due to the following:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Federal statutory rate times financial statement net (loss) income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(220&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(115&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Effect of:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;State taxes, net of federal benefit&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(7&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(45&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Earnings from bank owned life insurance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(10&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(11&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Merger-related expense&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;200&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Low income housing credits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(117&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(198&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Tax benefit from tax positions taken in prior years&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;(273&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Other, net&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;20&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;24&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 27pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(407&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(345&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
  <!--Actual and Required Capital Amounts and Ratios-->
  <us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock id="Fact_c3e9c01a0e0c4681baa75a847b88e3d2" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div&gt;At December 31, 2020 and 2019, the Bank&amp;#8217;s level of capital exceeded all regulatory capital requirements and its regulatory capital ratios were above the minimum levels required to be considered well capitalized for regulatory purposes. Actual and required capital amounts and ratios as of the periods indicated are presented below.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Actual&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Minimum Capital&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Requirements&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Minimum Required&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;To Be Well&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Capitalized Under&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Prompt Corrective&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Action Provisions&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Amount&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Ratio&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Amount&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Ratio&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Amount&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Ratio&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="22" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(Dollars in thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;December 31, 2020:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Tier 1 (Leverage)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;46,565&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;9.54&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;19,530&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,413&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Common Equity Tier 1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;46,565&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;18.95&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;11,059&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4.50&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;15,975&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;6.50&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Tier 1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;46,565&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;18.95&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;14,746&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;6.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;19,661&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Total Capital&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;49,802&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;20.20&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;19,661&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,577&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;10.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;December 31, 2019:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Tier 1 (Leverage)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,541&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;11.56&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,798&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;20,997&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Common Equity Tier 1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,541&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;17.14&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;12,743&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4.50&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;18,406&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;6.50&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Tier 1&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,541&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;17.14&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,990&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;6.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;22,654&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Total Capital&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;51,790&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;18.29&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;22,654&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;28,318&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;10.00&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <!--Shares Held by ESOP-->
  <us-gaap:ScheduleOfEmployeeStockOwnershipPlanESOPDisclosuresTextBlock id="Fact_9dddae020626471d9a2706db25648572" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;Shares held by the ESOP were as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31,&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;December 31,&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(Dollars in thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Allocated to participants&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,065,275&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,024,429&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Committed to be released&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;10,236&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;10,416&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Suspense shares&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;562,391&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;603,876&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total ESOP shares&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;1,637,902&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;1,638,721&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Fair value of unearned shares&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;1,040&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;930&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfEmployeeStockOwnershipPlanESOPDisclosuresTextBlock>
  <!--Options Outstanding and Exercisable-->
  <us-gaap:ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTextBlock id="Fact_d7b2235944004f90a629e91c4c6feed9" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;Options outstanding and exercisable at year&amp;#8209;end 2020 were as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="11" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Exercisable&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot; font-weight: bold;"&gt;Grant Date&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Number&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Weighted&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Remaining&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Contractual&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Life&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Weighted&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Exercise&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Price&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Aggregate&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Intrinsic&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Value&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Number&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Weighted&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Exercise&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Price&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Aggregate&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Intrinsic&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Value&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;February 24, 2016&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;450,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;5.15 years&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1.62&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;360,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1.62&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: top; width: 14%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;450,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 14%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: right;"&gt;5.15 years&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1.62&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;103,500&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;360,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1.62&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;82,800&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTextBlock>
  <!--Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]-->
  <us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock id="Fact_79f02f0cb5bf4365ab513daf315859f9" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;Loans receivable held for investment were as follows as of the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2020&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 60%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Real estate:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,217&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;72,883&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;272,387&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;287,378&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Commercial real estate&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,289&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;14,728&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,658&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;21,301&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 16.2pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;429&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,128&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 60%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Commercial &amp;#8211; other&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;57&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,300&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); 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  <us-gaap:SignificantAccountingPoliciesTextBlock id="Fact_d641e551cd35435cbce37e7567268044" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 1 &amp;#8211; Summary of Significant Accounting Policies&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Nature of Operations and Principles of Consolidation&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Broadway Financial Corporation (the &amp;#8220;Company&amp;#8221;) is a Delaware corporation primarily engaged in the savings and loan business through its wholly owned subsidiary, Broadway Federal Bank, f.s.b. (the &amp;#8220;Bank&amp;#8221;). The Bank&amp;#8217;s business is that of a financial intermediary and consists primarily of attracting deposits from the general public and using such deposits, together with borrowings and other funds, to make mortgage loans secured by residential and commercial real estate located in Southern California. At December 31, 2020, the Bank operated two retail&amp;#8209;banking offices in Los Angeles, California and one in the nearby city of Inglewood, California. The Bank is subject to significant competition from other financial institutions and is also subject to regulation by certain federal agencies and undergoes periodic examinations by those regulatory authorities.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Broadway Federal Bank, f.s.b. All significant inter&amp;#8209;company transactions and balances have been eliminated in consolidation.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Use of Estimates&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;To prepare consolidated financial statements in conformity with U.S. generally accepted accounting principles (&amp;#8220;GAAP&amp;#8221;), management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the consolidated financial statements and the disclosures provided, and actual results could differ from these estimates. The allowance and provision for loan losses, specific reserves for impaired loans, fair value of real estate owned, deferred tax asset valuation allowance, and fair values of investment securities and other financial instruments are particularly subject to change.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Cash and Cash Equivalents&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Cash and cash equivalents include cash on hand, cash items in the process of collection, amounts due from correspondent banks and the Federal Reserve Bank of San Francisco (the &amp;#8220;Federal Reserve Bank&amp;#8221;), and interest&amp;#8209;bearing deposits in other banks with initial terms of ninety days or less. The Company may be required to maintain reserve and clearing balances with the Federal Reserve Bank under the Federal Reserve Act of 1913, as amended. Effective on March 26, 2020, as a part of Federal Reserve Bank&amp;#8217;s tools to promote maximum employment, Federal Reserve Bank Board reduced reserve requirement ratios to zero.&amp;#160; The reserve and clearing requirement balance was no longer required at December 31, 2020. Net cash flows are reported for customer loan and deposit transactions, interest&amp;#8209;bearing deposits in other banks, deferred income taxes and other assets and liabilities.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Investment Securities&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Debt securities are classified as held&amp;#8209;to&amp;#8209;maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities are classified as available&amp;#8209;for&amp;#8209;sale when they might be sold before maturity. Securities available&amp;#8209;for&amp;#8209;sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income (loss), net of tax.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level&amp;#8209;yield method without anticipating prepayments. Gains and losses on sales are recorded on the trade date and determined using the specific identification method.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Management evaluates securities for other&amp;#8209;than&amp;#8209;temporary impairment (&amp;#8220;OTTI&amp;#8221;) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Consideration is given to the financial condition and near&amp;#8209;term prospects of the issuer, the length of time and the extent to which the fair value has been less than the cost, and the intent and ability of management to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer&amp;#8217;s financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer&amp;#8217;s financial condition.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Loans Receivable Held for Sale&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Bank originates loans for sale, and may, from time&amp;#8209;to&amp;#8209;time, decide to retain certain loans for held for investment in order to manage loan concentrations. When a decision is made to retain loans held-for-sale for held-for-investment, such loans are transferred from held&amp;#8209;for&amp;#8209;sale portfolio to held&amp;#8209;for&amp;#8209;investment portfolio at the lower of cost or fair value. If a reduction in value is required at time of the transfer, a charge&amp;#8209;off is recorded against the allowance for loan and lease losses (&amp;#8220;ALLL&amp;#8221;). Any subsequent decline in value of the loans is recorded as a valuation allowance with a corresponding charge to non&amp;#8209;interest expense.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Transfers of loans are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been legally isolated from the Bank, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right), to pledge or exchange the transferred assets, and provides no more than a trivial benefit to the Bank, and (3) the Bank does not maintain effective control over the transferred assets.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Loans receivable held for sale are generally sold with servicing rights released. Gains and losses on sales of loans are based on the difference between the selling price and the carrying value of the related loan sold. When loans receivable held for sale are sold, existing deferred loan fees or costs are an adjustment of the gain or loss on sale.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Loans Receivable Held for Investment&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of allowance for loan losses, deferred loan fees and costs and unamortized premiums and discounts. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct loan origination costs, premiums and discounts are deferred, and recognized in income using the level&amp;#8209;yield method without anticipating prepayments.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Interest income on all loans is discontinued at the time the loan is 90 days delinquent unless the loan is well&amp;#8209;secured and in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on non&amp;#8209;accrual or charged&amp;#8209;off at an earlier date if collection of principal or interest is considered doubtful.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;All interest accrued but not received for loans placed on non&amp;#8209;accrual is reversed against interest income. Interest received on such loans is accounted for on the cash&amp;#8209;basis or cost recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Concentration of Credit Risk&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Concentrations of credit risk arise when several customers are engaged in similar business activities, or activities in the same geographic region, or have similar economic features that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. The Company&amp;#8217;s lending activities are predominantly in real estate loans that are secured by properties located in Southern California and many of the borrowers reside in Southern California. Therefore, the Company&amp;#8217;s exposure to credit risk is significantly affected by changes in the economy and real estate market in the Southern California area.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Company has a significant concentration of deposits with two long&amp;#8209;time customers that accounted for approximately 13% of its deposits as of December 31, 2020. The Company expects to maintain the relationships with the customers for the near term.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Loans Purchased&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Bank purchases or participates in loans originated by other institutions from time to time. Subject to regulatory restrictions applicable to savings institutions, the Bank&amp;#8217;s current loan policies allow all loan types to be purchased. The determination to purchase specific loans or pools of loans is based upon the Bank&amp;#8217;s investment needs and market opportunities and is subject to the Bank&amp;#8217;s underwriting policies, which require consideration of the financial condition of the borrower and the appraised value of the property, among other factors. Premiums or discounts incurred upon the purchase of loans are recognized in income using the interest method over the estimated life of the loans, adjusted for actual prepayments. No loans were purchased during 2020 and 2019.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Allowance for Loan Losses&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent cash recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management&amp;#8217;s judgment, could be charged off.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (&amp;#8220;TDR&amp;#8221;) and classified as impaired.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on case&amp;#8209;by&amp;#8209;case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&amp;#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;If a loan is impaired, either a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan&amp;#8217;s existing rate or alternatively a charge&amp;#8209;off is taken to record the loan at the fair value of the collateral, less estimated selling costs, if repayment is expected solely from the collateral.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;TDRs are individually evaluated for impairment and included in the separately identified impairment disclosures. TDRs are measured at the present value of estimated future cash flows using the loan&amp;#8217;s effective rate at inception. If a TDR is a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs that subsequently default, the Company determines the amount of any necessary additional charge&amp;#8209;off based on internal analyses and appraisals of the underlying collateral securing these loans.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The general component covers loans that are collectively evaluated for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment with the use of a loss migration analysis and is based on the actual loss history experienced by the Company over the most recent five years. This actual loss experience is supplemented with information about other current economic factors based on the risks present for each portfolio segment. These current economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge&amp;#8209;offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The following portfolio segments have been identified: one&amp;#8209;to&amp;#8209;four units (&amp;#8220;single family&amp;#8221;), five or more units (&amp;#8220;multi&amp;#8209;family&amp;#8221;), commercial real estate, church, construction, commercial loans, and consumer loans. The risks in our various portfolio segments are as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Single Family&lt;/font&gt; &amp;#8211; Subject to adverse employment conditions in the local economy leading to increased default rate, decreased market values from oversupply in a geographic area and&amp;#160; incremental rate increases on adjustable rate mortgages which may impact the ability of borrowers to maintain payments.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Multi&amp;#8209;Family&lt;/font&gt; &amp;#8211; Subject to adverse various market conditions that cause a decrease in market value or lease rates, changes in personal funding sources for tenants, oversupply of units in a specific region, population shifts and reputational risks.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Commercial Real Estate&lt;/font&gt; &amp;#8211; Subject to adverse conditions in the local economy which may lead to reduced cash flows due to vacancies and reduced rental rates, and decreases in the value of underlying collateral.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Church&lt;/font&gt; &amp;#8211; Subject to adverse economic and employment conditions, which may lead to reduced cash flows from members&amp;#8217; donations and offerings, and the stability, quality and popularity of church leadership.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Construction&lt;/font&gt; &amp;#8211; Subject to adverse conditions in the local economy, which may lead to reduced demand for new commercial, multi&amp;#8209;family or single family buildings or reduced lease or sale opportunities once the building is complete.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Commercial&lt;/font&gt; &amp;#8211; Subject to industry and economic conditions including decreases in product demand.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;font style="font-style: italic;"&gt;Consumer&lt;/font&gt; &amp;#8211; Subject to adverse employment conditions in the local economy, which may lead to higher default rates.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Real Estate Owned&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Assets acquired through, or by deed in lieu of, loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through a provision that is charged to non&amp;#8209;interest expense. Operating costs after acquisition are expensed as incurred.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Office Properties and Equipment&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight&amp;#8209;line method with useful lives ranging from 10 to 40 years. Furniture, fixtures and equipment are depreciated using the straight&amp;#8209;line method with useful lives ranging from 3 to 10 years. Leasehold improvements are amortized over the lease term or the estimated useful life of the asset, whichever is shorter.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Federal Home Loan Bank (FHLB) stock&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income when declared.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Bank&amp;#8209;Owned Life Insurance&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Bank has purchased life insurance policies on a former key executive. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Investment in Affordable Housing Limited Partnership&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Bank owns a less than 5% interest in an affordable housing limited partnership. The investment is recorded using the cost method and is being amortized over the life of the related tax credits. The tax credits are being recognized in income tax expense in the consolidated financial statements to the extent they are utilized on the Company&amp;#8217;s income tax returns. The investment is reviewed for impairment on an annual basis or on an interim basis if an event occurs that would trigger potential impairment.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Loan Commitments and Related Financial Instruments&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Financial instruments include off&amp;#8209;balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Revenue Recognition&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Accounting Standard Codification (&amp;#8220;ASC&amp;#8221;) 606, Revenue from Contracts with Customers (&amp;#8220;ASC 606&amp;#8221;), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity&amp;#8217;s contracts to provide goods or services to customers. The core principle requires the Company to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. Most of our revenue&amp;#8209;generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans and investment securities, as these activities are subject to other GAAP discussed elsewhere within our disclosures. The Company&amp;#8217;s revenue stream that is within the scope of Topic 606 is primarily service charges on deposit accounts, which consist of monthly service fees, check orders, and other deposit account related fees. The Company&amp;#8217;s performance obligation for monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees are largely transaction based, and therefore, the Company&amp;#8217;s performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers&amp;#8217; accounts.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Stock&amp;#8209;Based Compensation&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Compensation cost is recognized for stock options and restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. A Black&amp;#8209;Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company&amp;#8217;s common stock at the date of grant is used for restricted stock awards.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Compensation cost is recognized over the required service period, generally defined as the vesting period. Compensation cost is recognized on a straight&amp;#8209;line basis over the requisite service period for the entire award. The Company&amp;#8217;s accounting policy is to recognize forfeitures as they occur.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Income Taxes&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;A tax position is recognized as a benefit only if it is &amp;#8220;more likely than not&amp;#8221; that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the &amp;#8220;more likely than not&amp;#8221; test, no tax benefit is recorded.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Company recognizes interest related to income tax matters in interest expense and penalties related to tax matters in income tax expense.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Retirement Plans&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Employee 401(k) expense is the amount of matching contributions made by the Company.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Employee Stock Ownership Plan (ESOP)&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The cost of shares issued to the ESOP, but not yet allocated to participants, is shown as a reduction of stockholders&amp;#8217; equity. Compensation expense is based on the market price of shares as they are committed to be released to participant accounts. Dividends on allocated ESOP shares reduce retained earnings; dividends on unearned ESOP shares reduce debt and accrued interest.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Earnings (Loss) Per Common Share&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Basic earnings (loss) per share of common stock is computed pursuant to the two&amp;#8209;class method by dividing net income available to common stockholders less dividends paid on participating securities (unvested shares of restricted common stock) and any undistributed earnings attributable to participating securities by the weighted average common shares outstanding during the period. The weighted average common shares outstanding includes the weighted average number of shares of common stock outstanding less the weighted average number of unvested shares of restricted common stock. ESOP shares are considered outstanding for this calculation unless unearned. Diluted earnings per share of common stock includes the dilutive effect of unvested stock awards using treasury stock method and additional potential common shares issuable under stock options.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Comprehensive Income (Loss)&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Comprehensive income (loss) consists of net income (loss) and other comprehensive income or loss. Other comprehensive income or loss includes unrealized gains and losses on securities available&amp;#8209;for&amp;#8209;sale, net of tax, which are also recognized as separate components of equity.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Loss Contingencies&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable, and an amount or range of loss can be reasonably estimated. Management does not believe that any such matters existed as of the balance sheet date that will have a material effect on the consolidated financial statements.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Fair Value Measurements&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Level 2: Significant observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Level 3: Significant unobservable inputs that reflect a company&amp;#8217;s own assumptions about the assumptions that market participants would use in pricing an asset or liability.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Fair values are estimated using relevant market information and other assumptions, as more fully disclosed in Note 8. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Operating Segments&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;The Company operates as a single segment. The operating information used by management to assess performance and make operating decisions about the Company is the consolidated financial data presented in these financial statements. For the years ended 2020 and 2019, the Company had one active operating subsidiary, Broadway Federal Bank, f.s.b. The Company has determined that banking is its one reportable business segment.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Reclassifications&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Some items in the prior year consolidated financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year consolidated net income or stockholders&amp;#8217; equity.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Recently Adopted Accounting Pronouncements&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In August 2018, the Federal Accounting Standards Board (&amp;#8220;FASB&amp;#8221;) issued Accounting Standards Update (&amp;#8220;ASU&amp;#8221;) No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. The ASU was issued to improve the effectiveness of disclosures surrounding fair value measurements. The ASU removes numerous disclosures from Topic 820 including transfers between level 1 and 2 of the fair value hierarchy, the policy for timing of transfers between levels, and the valuation process for level 3 fair value measurements. The ASU also modified and added disclosure requirements regarding changes in unrealized gains and losses included in other comprehensive income, as well as the range and weighted average of unobservable inputs for level 3 fair value measurements. The ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019, with early adoption permitted. The guidance did not have a significant impact on the Company's consolidated financial statements.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In March 2020, the FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU provides optional expedients and exceptions regarding the accounting related to the modifications of certain contracts, relationships and other transactions that are affected by reference rate reform related to contracts that reference LIBOR or other reference rates that could be discontinued due to reference rate reform.&amp;#160; This guidance was effective immediately and the amendments may be applied prospectively through December 31, 2022.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;&lt;u&gt;Accounting Pronouncements Yet to Be Adopted &amp;#8211;&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In June 2016, the FASB issued ASU 2016-13, &amp;#8220;Financial Instruments &amp;#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.&amp;#8221;&amp;#160; ASU 2016-13 replaces the incurred loss model with an expected loss model, which is referred to as the current expected credit loss (CECL) model.&amp;#160; The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables, held-to-maturity debt securities, and reinsurance receivables. It also applies to off-balance sheet credit exposures not accounted for as insurance (such as loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor.&amp;#160; For debt securities with other-than-temporary impairment, the guidance will be applied prospectively.&amp;#160; Existing purchased credit impaired (PCI) assets will be grandfathered and classified as purchased credit deteriorated (PCD) assets at the date of adoption.&amp;#160; The asset will be grossed up for the allowance for expected credit losses for all PCD assets at the date of adoption and will continue to recognize the noncredit discount in interest income based on the yield of such assets as of the adoption date.&amp;#160; Subsequent changes in expected credit losses will be recorded through the allowance.&amp;#160; For all other assets within the scope of CECL, a cumulative-effect adjustment will be recognized in retained earnings as of the beginning of the first reporting period in which the guidance is effective.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;On October 16, 2019, the FASB voted to affirm the proposed amended effective date for ASU 2016-13 for smaller reporting companies (&amp;#8220;SRCs&amp;#8221;) as defined by the SEC. The final ASU, which was issued in November 2019, delays the implementation date for ASU 2016-13 to fiscal years beginning after December 15, 2022. SRCs are defined as companies with less than $250 million of public float or less than $100 million in annual revenues for the previous year and no public float or public float of less than $700 million.&amp;#160; The Company qualifies as an SRC, and management will implement ASU 2016-13 in the first quarter of 2023.&amp;#160; The estimated financial impact has not yet been determined.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments - Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments.&amp;#160; This ASU is effective January 1, 2020 and clarifies the scope of the credit losses standard and addresses issues related to accrued interest receivable balances, recoveries, variable interest rates and prepayments, among other things. The amendments to Topic 326 have the same effective dates as ASU 2016-13. This guidance did not have a significant impact on the Company's consolidated financial statements.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In May 2019, the FASB issued ASU No. 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief. This ASU allows entities to irrevocably elect the fair value option on an instrument-by-instrument basis for eligible financial assets measured at amortized cost basis upon adoption of the credit loss standards. The effective date for this ASU is the same as for ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes. This ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. The amendments in this ASU are intended to simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740. The amendments are also intended to improve consistent application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidance. We are currently in the process of evaluating the impact of this ASU on the Company&amp;#8217;s consolidated financial statements.&lt;/div&gt;&lt;/div&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
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  <us-gaap:StockholdersEquity id="Fact_fd238c5ee92349949654508a7d9ba4a5" contextRef="c20201231_StatementEquityComponentsAxis_RetainedEarningsMember" unitRef="U001" decimals="-3">7783000</us-gaap:StockholdersEquity>
  <!--Stockholders' equity-Parent Company [Member]-->
  <us-gaap:StockholdersEquity id="Fact_3b1add8592f644ca8f91fe1b137cf296" contextRef="c20191231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">48848000</us-gaap:StockholdersEquity>
  <!--Stockholders' equity-Parent Company [Member]-->
  <us-gaap:StockholdersEquity id="Fact_9ef31e611bdc45b3be9bbb2f60ce59fa" contextRef="c20201231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">48885000</us-gaap:StockholdersEquity>
  <!--Subordinated Borrowings Disclosure [Text Block]-->
  <us-gaap:SubordinatedBorrowingsDisclosureTextBlock id="Fact_19857a57cb4444df9d4bcb40ff7656ad" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 11 &amp;#8211; Junior Subordinated Debentures&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;On March 17, 2004, the Company issued $6.0 million of Floating Rate Junior Subordinated Debentures (the &amp;#8220;Debentures&amp;#8221;) in a private placement to a trust that was capitalized to purchase subordinated debt and preferred stock of multiple community banks. Interest on the Debentures is payable quarterly at a rate per annum equal to the 3&amp;#8209;Month LIBOR plus 2.54%. The interest rate is determined as of each March 17, June 17, September 17, and December 17, and was 2.77% at December 31, 2020. On October 16, 2014, the Company made payments of $900 thousand of principal on Debentures, executed a Supplemental Indenture for the Debentures that extended the maturity of the Debentures to March 17, 2024, and modified the payment terms of the remaining $5.1 million principal amount thereof. The modified terms of the Debentures require quarterly payments of interest only through March 2019 at the original rate of 3&amp;#8209;Month LIBOR plus 2.54%. Starting in June 2019, the Company began making quarterly payments of equal amounts of principal, plus interest, and will continue until the Debentures are fully amortized on March 17, 2024.&amp;#160; At December 31, 2020, the Company had repaid a total of $1.8 million of the scheduled principal.&amp;#160; The Debentures may be called for redemption at any time by the Company.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Scheduled principal repayments of junior subordinated debentures over the next four years are as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 60%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 48%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Amount&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 48%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2021&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2022&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;1,020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2023&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;1,020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2024&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;255&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;3,315&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:SubordinatedBorrowingsDisclosureTextBlock>
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  <us-gaap:SubordinatedDebt id="Fact_456a864bb958472e8441e1800ba8bf37" contextRef="c20201231" unitRef="U001" decimals="-3">3315000</us-gaap:SubordinatedDebt>
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  <us-gaap:SubordinatedDebt id="Fact_fb1e5c4990454d6fa4e96761ac841810" contextRef="c20191231" unitRef="U001" decimals="-3">4335000</us-gaap:SubordinatedDebt>
  <!--Junior subordinated debentures-Junior Subordinated Debt [Member]-->
  <us-gaap:SubordinatedDebt id="Fact_34d2385198f64465a795c23a4d793e91" contextRef="c20141016_LongtermDebtTypeAxis_JuniorSubordinatedDebtMember" unitRef="U001" decimals="-5">5100000</us-gaap:SubordinatedDebt>
  <!--Junior subordinated debentures-Junior Subordinated Debt [Member]-Private Placement [Member]-->
  <us-gaap:SubordinatedDebt id="Fact_a39114008c4e42b18cdf9ae441436e25" contextRef="c20040317_LongtermDebtTypeAxis_JuniorSubordinatedDebtMember_SubsidiarySaleOfStockAxis_PrivatePlacementMember" unitRef="U001" decimals="-5">6000000</us-gaap:SubordinatedDebt>
  <!--Junior subordinated debentures-Parent Company [Member]-->
  <us-gaap:SubordinatedDebt id="Fact_5f8b2a5aeefe4e5bb5507bb0f560522c" contextRef="c20191231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">4335000</us-gaap:SubordinatedDebt>
  <!--Junior subordinated debentures-Parent Company [Member]-->
  <us-gaap:SubordinatedDebt id="Fact_9aa34bb32fed436ea4c647114daaffc5" contextRef="c20201231_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="U001" decimals="-3">3315000</us-gaap:SubordinatedDebt>
  <!--Subsequent Events [Text Block]-->
  <us-gaap:SubsequentEventsTextBlock id="Fact_dfb4882bb1fc40ee950266c147151ae0" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify; font-weight: bold;"&gt;Note 19 &amp;#8211; Subsequent Events&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;On March 17, 2021, the Company&amp;#8217;s stockholders approved the proposed sale of 18,474,000 shares of Broadway common stock in private placements to institutional and accredited investors at a purchase price of $1.78 per share for an aggregate purchase price of $32.9 million. The Company currently has subscription agreements for all of these shares. The private placements of common stock are expected to close a few days after the merger.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Section 382 of the Internal Revenue Code limits the utilization of U.S. net operating loss (&amp;#8220;NOL&amp;#8221;) carryforwards following an ownership change, which occurs when one or more 5% shareholders increase their ownership, in aggregate, by more than 50% over the lowest percentage of stock owned by such shareholders at any time during the testing period, which is generally three years. Upon the completion of the private placements, there could be a triggering event which may result in a change of control. Based on management&amp;#8217;s preliminary estimates, there could be limitations on our deferred tax assets that may require an impairment allowance of approximately $2.4 million.&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: justify;"&gt;Subsequent events have been evaluated through March 31, 2021, which is the date these financial statements were issued.&lt;/div&gt;&lt;/div&gt;</us-gaap:SubsequentEventsTextBlock>
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  <!--Banking Regulation, Tier One Risk-Based Capital, Capital Adequacy, Minimum-->
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  <!--Banking Regulation, Tier One Risk-Based Capital, Capital Adequacy, Minimum-->
  <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy id="Fact_8d31bf734a844a6bb29f9e40afd1c882" contextRef="c20191231" unitRef="U001" decimals="-3">16990000</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy>
  <!--Banking Regulation, Tier One Risk-Based Capital Ratio, Well Capitalized, Minimum-->
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  <!--Banking Regulation, Tier One Risk-Based Capital Ratio, Well Capitalized, Minimum-->
  <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="Fact_ef51838d107f4a269d360c1328352325" contextRef="c20191231" unitRef="U006" decimals="4">0.0800</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <!--Banking Regulation, Tier One Leverage Capital Ratio, Capital Adequacy, Minimum-->
  <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets id="Fact_3849060fe70b454e89c5b27ab9701df9" contextRef="c20201231" unitRef="U006" decimals="4">0.0400</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets>
  <!--Banking Regulation, Tier One Leverage Capital Ratio, Capital Adequacy, Minimum-->
  <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets id="Fact_ad7dc3bc515f4f30aac962d56f913bc4" contextRef="c20191231" unitRef="U006" decimals="4">0.0400</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets>
  <!--Banking Regulation, Tier One Risk-Based Capital, Well Capitalized, Minimum-->
  <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized id="Fact_4bad44635de049898f48bb4bce343a74" contextRef="c20201231" unitRef="U001" decimals="-3">19661000</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized>
  <!--Banking Regulation, Tier One Risk-Based Capital, Well Capitalized, Minimum-->
  <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized id="Fact_d22c4df6f8624bdf91e7757f0b95fb39" contextRef="c20191231" unitRef="U001" decimals="-3">22654000</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized>
  <!--Tier 1, Amount-->
  <us-gaap:TierOneRiskBasedCapital id="Fact_6dbef1b3614649a3ab8c2e49afc31059" contextRef="c20201231" unitRef="U001" decimals="-3">46565000</us-gaap:TierOneRiskBasedCapital>
  <!--Tier 1, Amount-->
  <us-gaap:TierOneRiskBasedCapital id="Fact_8e4eee4f93244b8182a84b22c5d1296f" contextRef="c20191231" unitRef="U001" decimals="-3">48541000</us-gaap:TierOneRiskBasedCapital>
  <!--Banking Regulation, Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum-->
  <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="Fact_04148966325b410c99ad848ea96b5ce7" contextRef="c20201231" unitRef="U006" decimals="4">0.0600</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <!--Banking Regulation, Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum-->
  <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="Fact_6df1203cd86648bda352f7ef9995a8d3" contextRef="c20191231" unitRef="U006" decimals="4">0.0600</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <!--Banking Regulation, Tier One Leverage Capital, Capital Adequacy, Minimum-->
  <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy id="Fact_6a570ff0f0414b199ee94883793b93bd" contextRef="c20201231" unitRef="U001" decimals="-3">19530000</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy>
  <!--Banking Regulation, Tier One Leverage Capital, Capital Adequacy, Minimum-->
  <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy id="Fact_6e2f75cec4554c59b17e7b1942ebd1df" contextRef="c20191231" unitRef="U001" decimals="-3">16798000</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy>
  <!--Banking Regulation, Tier One Leverage Capital Ratio, Well Capitalized, Minimum-->
  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets id="Fact_3aec8e40429147408b6e394f5d3ab20a" contextRef="c20201231" unitRef="U006" decimals="4">0.0500</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets>
  <!--Banking Regulation, Tier One Leverage Capital Ratio, Well Capitalized, Minimum-->
  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets id="Fact_d556ed151c094c4dbbb973bb46af2479" contextRef="c20191231" unitRef="U006" decimals="4">0.0500</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets>
  <!--Banking Regulation, Tier One Leverage Capital, Well Capitalized, Minimum-->
  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized id="Fact_65944137a3c34bae9469f47b02dd1231" contextRef="c20201231" unitRef="U001" decimals="-3">24413000</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized>
  <!--Banking Regulation, Tier One Leverage Capital, Well Capitalized, Minimum-->
  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized id="Fact_f7409ce23d464ce399d593eae35fa596" contextRef="c20191231" unitRef="U001" decimals="-3">20997000</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized>
  <!--Tier 1 (Leverage), Amount-->
  <us-gaap:TierOneLeverageCapital id="Fact_967007b861ce438aa0c5f7481d5d8bbc" contextRef="c20191231" unitRef="U001" decimals="-3">48541000</us-gaap:TierOneLeverageCapital>
  <!--Tier 1 (Leverage), Amount-->
  <us-gaap:TierOneLeverageCapital id="Fact_cf6a9feb918141289037e438b59eeeef" contextRef="c20201231" unitRef="U001" decimals="-3">46565000</us-gaap:TierOneLeverageCapital>
  <!--Tier 1 (Leverage), Ratio-->
  <us-gaap:TierOneLeverageCapitalToAverageAssets id="Fact_b042af9d172c4ef29fdda282637ca4b2" contextRef="c20201231" unitRef="U006" decimals="4">0.0954</us-gaap:TierOneLeverageCapitalToAverageAssets>
  <!--Tier 1 (Leverage), Ratio-->
  <us-gaap:TierOneLeverageCapitalToAverageAssets id="Fact_f0afa2bb23ad4036a43209b42c06e3b7" contextRef="c20191231" unitRef="U006" decimals="4">0.1156</us-gaap:TierOneLeverageCapitalToAverageAssets>
  <!--Tier 1, Ratio-->
  <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets id="Fact_8d2f5c7be8d04e829689c6f419651794" contextRef="c20201231" unitRef="U006" decimals="4">0.1895</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
  <!--Tier 1, Ratio-->
  <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets id="Fact_99fe460751ce413bbe152c05065a0f4b" contextRef="c20191231" unitRef="U006" decimals="4">0.1714</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
  <!--Time Deposit Maturities [Table Text Block]-->
  <us-gaap:TimeDepositMaturitiesTableTextBlock id="Fact_7cfdfd1936df41be9199281e27f889d2" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;Scheduled maturities of certificates of deposit for the next five years are as follows:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 60%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"&gt;&lt;tr&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 48%;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Maturity&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Amount&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" style="vertical-align: middle; width: 48%; text-align: center;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" style="vertical-align: middle; width: 48%; background-color: rgb(204, 238, 255); text-align: center;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2021&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;113,221&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="1" style="vertical-align: middle; width: 48%; text-align: center;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2022&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; 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  <srt:ScheduleOfCondensedCashFlowStatementTableTextBlock id="Fact_4c86b1ef406042eeb820b74624d391db" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Condensed Statements of Cash Flows&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Years ended December 31,&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Cash flows from operating activities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net loss&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(642&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(206&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Adjustments to reconcile net loss to net cash used in operating activities:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Equity in undistributed subsidiary income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(210&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(459&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Change in other assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(223&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(287&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Change in accrued expenses and other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;21&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(9&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net cash used in operating activities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(1,054&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(961&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Cash flows from investing activities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Dividends from bank subsidiary&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,650&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net cash provided by investing activities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,650&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Cash flows from financing activities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Common stock repurchased for tax withholdings&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(14&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Repayments of borrowings&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(1,020&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(765&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Proceeds from repayment of ESOP loan&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;66&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;68&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net cash used in financing activities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(954&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(711&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net change in cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(8&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;(22&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Beginning cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;134&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;156&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Ending cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;126&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;134&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</srt:ScheduleOfCondensedCashFlowStatementTableTextBlock>
  <!--Condensed Statements of Income-->
  <srt:ScheduleOfCondensedIncomeStatementTableTextBlock id="Fact_ba46208686d344dfa2be45008883e744" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Condensed Statements of Income&lt;/div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;Years ended December 31,&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Interest income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;23&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;23&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Interest expense&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(133&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(247&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Other expense&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(1,033&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(720&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Loss before income tax and undistributed subsidiary income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(1,143&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div&gt;(944&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Income tax benefits&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;291&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;279&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Equity in undistributed subsidiary income&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;210&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div&gt;459&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Net loss&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(642&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;(206&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</srt:ScheduleOfCondensedIncomeStatementTableTextBlock>
  <!--Condensed Balance Sheet-->
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padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;126&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;134&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Investment in bank subsidiary&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;49,418&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;50,594&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Other assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,735&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,512&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total assets&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;52,279&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;53,240&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Liabilities and stockholders&amp;#8217; equity&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Junior subordinated debentures&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,315&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4,335&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Accrued expenses and other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;79&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;57&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Stockholders&amp;#8217; equity&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,885&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,848&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total liabilities and stockholders&amp;#8217; equity&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;52,279&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;53,240&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</srt:ScheduleOfCondensedBalanceSheetTableTextBlock>
  <!--Amendment Flag-->
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  <!--Current Fiscal Year End Date-->
  <dei:CurrentFiscalYearEndDate id="Fact_899266ad875e4f8093c56d2d91b4f1bf" contextRef="c20200101to20201231">--12-31</dei:CurrentFiscalYearEndDate>
  <!--Document Period End Date-->
  <dei:DocumentPeriodEndDate id="Fact_ab6960c786194978a47ad74656d90916" contextRef="c20200101to20201231">2020-12-31</dei:DocumentPeriodEndDate>
  <!--Entity Address, State or Province-->
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  <!--Entity Small Business-->
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  <!--Financing Receivable, Allowance for Credit Loss by Loan Type and Based on Impairment Method [Table Text Block]-->
  <byfc:FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock id="Fact_bd3aab27d28e4fc284e25d8c1df59ac2" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge&amp;#8209;offs, less interest applied to principal, plus unamortized deferred costs and premiums) by loan type and based on impairment method as of and for the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2020&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Real Estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Single&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;family&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Multi&amp;#8209;&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;family&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;real estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Church&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Construction&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;&amp;#8211; other&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Consumer&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Allowance for loan losses:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" valign="bottom" style="vertical-align: top;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Ending allowance balance attributable to loans:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Individually evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;89&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;52&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;141&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Collectively evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;207&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,433&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;222&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;185&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;22&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,074&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Total ending allowance balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;296&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,433&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;222&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;237&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;&lt;div&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;22&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,215&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Loans:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Loans individually evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;573&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;298&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,813&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;47&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4,731&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Loans collectively evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;47,784&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;273,566&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,322&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;12,495&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;430&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;9&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;358,613&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total ending loans balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48,357&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;273,864&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;24,322&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,308&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;430&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;56&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;363,344&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;December 31, 2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Real Estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Single&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;family&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Multi&amp;#8209;&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;family&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;real estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Church&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Construction&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;&amp;#8211; other&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Consumer&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 28%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="30" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Allowance for loan losses:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Ending allowance balance attributable to loans:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Individually evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;60&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-align: right; font-family: &amp;amp;quot;"&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;85&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;147&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Collectively evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;252&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,319&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;133&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;277&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,035&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 9pt;"&gt;Total ending allowance balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;312&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,319&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;133&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;362&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;48&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;7&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,182&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%;"&gt;&lt;div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;"&gt;Loans:&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 28%;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Loans individually evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;611&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;313&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4,356&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;63&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"&gt;&lt;div&gt;$ &lt;br /&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;"&gt;&amp;#160;&amp;#8209;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 6%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5,343&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Loans collectively evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;72,501&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;288,730&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;14,818&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;16,292&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,125&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;199&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;21&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;395,686&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -9pt; margin-left: 18pt;"&gt;Total ending loans balance&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;73,112&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;289,043&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;14,818&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;20,648&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;3,125&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;262&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;21&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;401,029&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</byfc:FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock>
  <!--Impaired Loans Average Investment Interest Income [Table Text Block]-->
  <byfc:ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock id="Fact_d36e01335caa48b39c28b8aee226c71b" contextRef="c20200101to20201231">&lt;div style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&lt;div style="text-align: justify;"&gt;The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated:&lt;/div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;For the year ended December 31, 2020&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;For the year ended December 31, 2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Recorded&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Investment&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Cash Basis&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Interest&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Income&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Recognized&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Recorded&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Investment&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Cash Basis&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Interest&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Income&lt;/div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;Recognized&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 40%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot; text-indent: -9pt; margin-left: 9pt;"&gt;Single family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;591&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;29&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;626&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;29&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%;"&gt;&lt;div style="font-family: &amp;amp;quot; text-indent: -9pt; margin-left: 9pt;"&gt;Multi&amp;#8209;family&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;306&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;21&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;318&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;22&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot; text-indent: -9pt; margin-left: 9pt;"&gt;Church&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4,033&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;442&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5,017&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;939&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"&gt;&lt;div style="font-family: &amp;amp;quot; text-indent: -9pt; margin-left: 9pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;4,985&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;496&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;6,024&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"&gt;&lt;div&gt;&lt;div&gt;&lt;font style="font-family: &amp;amp;quot;"&gt;$&lt;/font&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;&lt;div&gt;&lt;font style="font-family: &amp;amp;quot;"&gt;995&lt;/font&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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font-family: &amp;amp;quot; font-weight: bold;"&gt;2020&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;2019&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 66%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: &amp;amp;quot; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Commitments to make loans&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;5,930&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 66%;"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;amp;quot;"&gt;Unused lines of credit &amp;#8211; variable rates&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;2,472&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"&gt;&lt;div style="font-family: &amp;amp;quot;"&gt;1,970&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</byfc:ScheduleOfContractualAmountsOffBalanceSheetRisksTableTextBlock>
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  <!--Unrealized Gains on Securities Number of Securities Held-->
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padding-bottom: 2px; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; width: 48%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-weight: bold;"&gt;(In thousands)&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);"&gt;&lt;div style="text-indent: -7.2pt; margin-left: 7.2pt;"&gt;2021&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"&gt;&lt;div&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td colspan="1" valign="bottom" style="vertical-align: bottom; 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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>060600 - Disclosure - Office Properties and Equipment, net</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>060800 - Disclosure - Fair Value</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>060900 - Disclosure - Deposits</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>061000 - Disclosure - Federal Home Loan Bank Advances</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>061100 - Disclosure - Junior Subordinated Debentures</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>061200 - Disclosure - Employee Benefit Plans</link:definition>
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        <link:definition>061300 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>061600 - Disclosure - Loan Commitments and Other Related Activities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>061700 - Disclosure - Parent Company Only Condensed Financial Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://broadwayfed.com/role/LossPerCommonShare" id="LossPerCommonShare">
        <link:definition>061800 - Disclosure - Loss Per Common Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://broadwayfed.com/role/SubsequentEvents" id="SubsequentEvents">
        <link:definition>061900 - Disclosure - Subsequent Events</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>070100 - Disclosure - Summary of Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>080200 - Disclosure - Pending Acquisition (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://broadwayfed.com/role/SecuritiesTables" id="SecuritiesTables">
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        <link:definition>080300 - Disclosure - Securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://broadwayfed.com/role/LoansReceivableHeldForInvestmentTables" id="LoansReceivableHeldForInvestmentTables">
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        <link:definition>080500 - Disclosure - Loans Receivable Held for Investment (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>080600 - Disclosure - Office Properties and Equipment, net (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://broadwayfed.com/role/LeasesTables" id="LeasesTables">
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        <link:definition>080700 - Disclosure - Leases (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://broadwayfed.com/role/FairValueTables" id="FairValueTables">
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        <link:definition>080800 - Disclosure - Fair Value (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>080900 - Disclosure - Deposits (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://broadwayfed.com/role/FederalHomeLoanBankAdvancesTables" id="FederalHomeLoanBankAdvancesTables">
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        <link:definition>081000 - Disclosure - Federal Home Loan Bank Advances (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://broadwayfed.com/role/JuniorSubordinatedDebenturesTables" id="JuniorSubordinatedDebenturesTables">
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        <link:definition>081100 - Disclosure - Junior Subordinated Debentures (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>081200 - Disclosure - Employee Benefit Plans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>081300 - Disclosure - Income Taxes (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>081400 - Disclosure - Stock-Based Compensation (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>081800 - Disclosure - Loss Per Common Share (Tables)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>090100 - Disclosure - Summary of Significant Accounting Policies, Nature of Operations and Principles of Consolidation (Details)</link:definition>
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        <link:definition>090104 - Disclosure - Summary of Significant Accounting Policies, Loans Receivable Held for Investment (Details)</link:definition>
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        <link:definition>090106 - Disclosure - Summary of Significant Accounting Policies, Concentration of Credit Risk (Details)</link:definition>
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        <link:definition>090108 - Disclosure - Summary of Significant Accounting Policies, Loans Purchased and Allowance for Loan Losses (Details)</link:definition>
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        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:definition>090112 - Disclosure - Summary of Significant Accounting Policies, Investment in Affordable Housing Limited Partnership (Details)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:definition>090200 - Disclosure - Pending Acquisition (Details)</link:definition>
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        <link:definition>090300 - Disclosure - Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:definition>090502 - Disclosure - Loans Receivable Held for Investment, Activity in Allowance for Loan Losses by Loan Type (Details)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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<TYPE>EX-101.LAB
<SEQUENCE>24
<FILENAME>byfc-20201231_lab.xml
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionLineItems" xlink:to="us-gaap_BusinessAcquisitionLineItems_lbl" xlink:title="label: BusinessAcquisitionLineItems to us-gaap_BusinessAcquisitionLineItems_lbl" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationsAbstract" xlink:to="us-gaap_BusinessCombinationsAbstract_lbl" xlink:title="label: BusinessCombinationsAbstract to us-gaap_BusinessCombinationsAbstract_lbl" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_lbl1" xml:lang="en-US" id="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_lbl1">Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl" xml:lang="en-US" id="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl">Cash and cash equivalents</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl1" xml:lang="en-US" id="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl1">Cash and Cash Equivalents, Fair Value Disclosure</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialRealEstatePortfolioSegmentMember" xlink:to="us-gaap_CommercialRealEstatePortfolioSegmentMember_lbl" xlink:title="label: CommercialRealEstatePortfolioSegmentMember to us-gaap_CommercialRealEstatePortfolioSegmentMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:label="CommercialRealEstateMember" xlink:title="CommercialRealEstateMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommercialRealEstateMember_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_CommercialRealEstateMember_lbl" xml:lang="en-US" id="us-gaap_CommercialRealEstateMember_lbl">Commercial Real Estate [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialRealEstateMember" xlink:to="us-gaap_CommercialRealEstateMember_lbl" xlink:title="label: CommercialRealEstateMember to us-gaap_CommercialRealEstateMember_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommercialRealEstateMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommercialRealEstateMember_lbl1" xml:lang="en-US" id="us-gaap_CommercialRealEstateMember_lbl1">Commercial Real Estate [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialRealEstateMember" xlink:to="us-gaap_CommercialRealEstateMember_lbl1" xlink:title="label: CommercialRealEstateMember to us-gaap_CommercialRealEstateMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="CommitmentsAndContingencies" xlink:title="CommitmentsAndContingencies" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommitmentsAndContingencies_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_CommitmentsAndContingencies_lbl" xml:lang="en-US" id="us-gaap_CommitmentsAndContingencies_lbl">Commitments and Contingencies (Note 16)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CommitmentsAndContingencies_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommitmentsAndContingencies_lbl1" xml:lang="en-US" id="us-gaap_CommitmentsAndContingencies_lbl1">Commitments and Contingencies</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:label="CommitmentsAndContingenciesDisclosureTextBlock" xlink:title="CommitmentsAndContingenciesDisclosureTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl" xml:lang="en-US" id="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl">Loan Commitments and Other Related Activities</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl1" xml:lang="en-US" id="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl1">Commitments and Contingencies Disclosure [Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommitmentsAndContingenciesDisclosureTextBlock" xlink:to="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl1" xlink:title="label: CommitmentsAndContingenciesDisclosureTextBlock to us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommitmentsAndContingenciesPolicyTextBlock" xlink:label="CommitmentsAndContingenciesPolicyTextBlock" xlink:title="CommitmentsAndContingenciesPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommitmentsAndContingenciesPolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_CommitmentsAndContingenciesPolicyTextBlock_lbl" xml:lang="en-US" id="us-gaap_CommitmentsAndContingenciesPolicyTextBlock_lbl">Loss Contingencies</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CommitmentsAndContingenciesPolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommitmentsAndContingenciesPolicyTextBlock_lbl1" xml:lang="en-US" id="us-gaap_CommitmentsAndContingenciesPolicyTextBlock_lbl1">Commitments and Contingencies, Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommitmentsAndContingenciesPolicyTextBlock" xlink:to="us-gaap_CommitmentsAndContingenciesPolicyTextBlock_lbl1" xlink:title="label: CommitmentsAndContingenciesPolicyTextBlock to us-gaap_CommitmentsAndContingenciesPolicyTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommitmentsToExtendCreditMember" xlink:label="CommitmentsToExtendCreditMember" xlink:title="CommitmentsToExtendCreditMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommitmentsToExtendCreditMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommitmentsToExtendCreditMember_lbl" xml:lang="en-US" id="us-gaap_CommitmentsToExtendCreditMember_lbl">Commitments to Make Loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommitmentsToExtendCreditMember" xlink:to="us-gaap_CommitmentsToExtendCreditMember_lbl" xlink:title="label: CommitmentsToExtendCreditMember to us-gaap_CommitmentsToExtendCreditMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="CommitmentsAndContingenciesDisclosureAbstract" xlink:title="CommitmentsAndContingenciesDisclosureAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommitmentsAndContingenciesDisclosureAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommitmentsAndContingenciesDisclosureAbstract_lbl" xml:lang="en-US" id="us-gaap_CommitmentsAndContingenciesDisclosureAbstract_lbl">Loan Commitments and Other Related Activities [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommitmentsAndContingenciesDisclosureAbstract" xlink:to="us-gaap_CommitmentsAndContingenciesDisclosureAbstract_lbl" xlink:title="label: CommitmentsAndContingenciesDisclosureAbstract to us-gaap_CommitmentsAndContingenciesDisclosureAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonClassBMember" xlink:label="CommonClassBMember" xlink:title="CommonClassBMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommonClassBMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommonClassBMember_lbl" xml:lang="en-US" id="us-gaap_CommonClassBMember_lbl">Common Class B [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonClassBMember" xlink:to="us-gaap_CommonClassBMember_lbl" xlink:title="label: CommonClassBMember to us-gaap_CommonClassBMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized" xlink:label="CommonEquityTierOneCapitalRequiredToBeWellCapitalized" xlink:title="CommonEquityTierOneCapitalRequiredToBeWellCapitalized" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US" id="us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_lbl">Common Equity Tier 1, Amount</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_lbl1" xml:lang="en-US" id="us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_lbl1">Banking Regulation, Common Equity Tier One Risk-Based Capital, Well Capitalized, Minimum</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonEquityTierOneCapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_lbl1" xlink:title="label: CommonEquityTierOneCapitalRequiredToBeWellCapitalized to us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonEquityTierOneCapitalRatio" xlink:label="CommonEquityTierOneCapitalRatio" xlink:title="CommonEquityTierOneCapitalRatio" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommonEquityTierOneCapitalRatio_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommonEquityTierOneCapitalRatio_lbl" xml:lang="en-US" id="us-gaap_CommonEquityTierOneCapitalRatio_lbl">Common Equity Tier 1, Ratio</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonEquityTierOneCapital" xlink:label="CommonEquityTierOneCapital" xlink:title="CommonEquityTierOneCapital" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommonEquityTierOneCapital_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommonEquityTierOneCapital_lbl" xml:lang="en-US" id="us-gaap_CommonEquityTierOneCapital_lbl">Common Equity Tier 1, Amount</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:label="CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:title="CommonEquityTierOneCapitalRequiredForCapitalAdequacy" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US" id="us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_lbl">Common Equity Tier 1, Amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_lbl" xlink:title="label: CommonEquityTierOneCapitalRequiredForCapitalAdequacy to us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_lbl1" xml:lang="en-US" id="us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_lbl1">Banking Regulation, Common Equity Tier One Risk-Based Capital, Capital Adequacy, Minimum</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_lbl1" xlink:title="label: CommonEquityTierOneCapitalRequiredForCapitalAdequacy to us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember" xlink:label="CommonStockMember" xlink:title="CommonStockMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommonStockMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommonStockMember_lbl" xml:lang="en-US" id="us-gaap_CommonStockMember_lbl">Common Stock [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonClassAMember" xlink:label="CommonClassAMember" xlink:title="CommonClassAMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommonClassAMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommonClassAMember_lbl" xml:lang="en-US" id="us-gaap_CommonClassAMember_lbl">Common Class A [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonClassAMember" xlink:to="us-gaap_CommonClassAMember_lbl" xlink:title="label: CommonClassAMember to us-gaap_CommonClassAMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="CommonStockParOrStatedValuePerShare" xlink:title="CommonStockParOrStatedValuePerShare" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xml:lang="en-US" id="us-gaap_CommonStockParOrStatedValuePerShare_lbl">Common stock, par value (in dollars per share)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US" id="us-gaap_CommonStockSharesIssued_lbl">Common stock, shares issued (in shares)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CommonStockValue_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommonStockValue_lbl" xml:lang="en-US" id="us-gaap_CommonStockValue_lbl">Common stock</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl" xml:lang="en-US" id="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl">Deposits</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DepositLiabilitiesTypeTableTextBlock" xlink:label="DepositLiabilitiesTypeTableTextBlock" xlink:title="DepositLiabilitiesTypeTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DepositLiabilitiesTypeTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_DepositLiabilitiesTypeTableTextBlock_lbl" xml:lang="en-US" id="us-gaap_DepositLiabilitiesTypeTableTextBlock_lbl">Deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositLiabilitiesTypeTableTextBlock" xlink:to="us-gaap_DepositLiabilitiesTypeTableTextBlock_lbl" xlink:title="label: DepositLiabilitiesTypeTableTextBlock to us-gaap_DepositLiabilitiesTypeTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DepositLiabilitiesTypeTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DepositLiabilitiesTypeTableTextBlock_lbl1" xml:lang="en-US" id="us-gaap_DepositLiabilitiesTypeTableTextBlock_lbl1">Deposit Liabilities, Type [Table Text Block]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_Deposits_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_Deposits_lbl" xml:lang="en-US" id="us-gaap_Deposits_lbl">Deposits</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_Deposits_lbl1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_Deposits_lbl1" xml:lang="en-US" id="us-gaap_Deposits_lbl1">Total</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DepositsByTypeAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DepositsByTypeAbstract_lbl1" xml:lang="en-US" id="us-gaap_DepositsByTypeAbstract_lbl1">Deposits, by Type [Abstract]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DepositsSavingsDeposits_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_DepositsSavingsDeposits_lbl" xml:lang="en-US" id="us-gaap_DepositsSavingsDeposits_lbl">Passbook</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOptionMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EmployeeStockOptionMember_lbl" xml:lang="en-US" id="us-gaap_EmployeeStockOptionMember_lbl">Stock Options [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOptionMember" xlink:to="us-gaap_EmployeeStockOptionMember_lbl" xlink:title="label: EmployeeStockOptionMember to us-gaap_EmployeeStockOptionMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue" xlink:label="EmployeeStockOwnershipPlanESOPDeferredSharesFairValue" xlink:title="EmployeeStockOwnershipPlanESOPDeferredSharesFairValue" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue_lbl" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue_lbl">Fair value of unearned shares</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanESOPDeferredSharesFairValue" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue_lbl" xlink:title="label: EmployeeStockOwnershipPlanESOPDeferredSharesFairValue to us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue_lbl1" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue_lbl1">Employee Stock Ownership Plan (ESOP), Deferred Shares, Fair Value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanESOPDeferredSharesFairValue" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue_lbl1" xlink:title="label: EmployeeStockOwnershipPlanESOPDeferredSharesFairValue to us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares" xlink:label="EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares" xlink:title="EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares_lbl" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares_lbl">Allocated to participants (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares_lbl" xlink:title="label: EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares to us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPPolicy" xlink:label="EmployeeStockOwnershipPlanESOPPolicy" xlink:title="EmployeeStockOwnershipPlanESOPPolicy" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPPolicy_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPPolicy_lbl" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPPolicy_lbl">Employee Stock Ownership Plan (ESOP)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanESOPPolicy" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPPolicy_lbl" xlink:title="label: EmployeeStockOwnershipPlanESOPPolicy to us-gaap_EmployeeStockOwnershipPlanESOPPolicy_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPPolicy_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPPolicy_lbl1" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPPolicy_lbl1">Employee Stock Ownership Plan (ESOP), Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanESOPPolicy" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPPolicy_lbl1" xlink:title="label: EmployeeStockOwnershipPlanESOPPolicy to us-gaap_EmployeeStockOwnershipPlanESOPPolicy_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP" xlink:label="EmployeeStockOwnershipPlanESOPSharesInESOP" xlink:title="EmployeeStockOwnershipPlanESOPSharesInESOP" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP_lbl" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP_lbl">Total ESOP shares (in shares)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP_lbl1" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP_lbl1">Employee Stock Ownership Plan (ESOP), Shares in ESOP</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanESOPSharesInESOP" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP_lbl1" xlink:title="label: EmployeeStockOwnershipPlanESOPSharesInESOP to us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense" xlink:label="EmployeeStockOwnershipPlanESOPCompensationExpense" xlink:title="EmployeeStockOwnershipPlanESOPCompensationExpense" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl">Compensation expense related to ESOP</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanESOPCompensationExpense" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl" xlink:title="label: EmployeeStockOwnershipPlanESOPCompensationExpense to us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl1" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl1">ESOP compensation expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanESOPCompensationExpense" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl1" xlink:title="label: EmployeeStockOwnershipPlanESOPCompensationExpense to us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares" xlink:label="EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares" xlink:title="EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares_lbl" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares_lbl">Committed to be released (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares_lbl" xlink:title="label: EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares to us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares" xlink:label="EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares" xlink:title="EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares_lbl" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares_lbl">Suspense shares (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares_lbl" xlink:title="label: EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares to us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPSharesContributedToESOP" xlink:label="EmployeeStockOwnershipPlanESOPSharesContributedToESOP" xlink:title="EmployeeStockOwnershipPlanESOPSharesContributedToESOP" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPSharesContributedToESOP_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPSharesContributedToESOP_lbl" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPSharesContributedToESOP_lbl">Number of common stock purchased by ESOP (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanESOPSharesContributedToESOP" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPSharesContributedToESOP_lbl" xlink:title="label: EmployeeStockOwnershipPlanESOPSharesContributedToESOP to us-gaap_EmployeeStockOwnershipPlanESOPSharesContributedToESOP_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOPAbstract" xlink:label="EmployeeStockOwnershipPlanESOPSharesInESOPAbstract" xlink:title="EmployeeStockOwnershipPlanESOPSharesInESOPAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOPAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOPAbstract_lbl" xml:lang="en-US" id="us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOPAbstract_lbl">Shares Held by ESOP [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanESOPSharesInESOPAbstract" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOPAbstract_lbl" xlink:title="label: EmployeeStockOwnershipPlanESOPSharesInESOPAbstract to us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOPAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="EquityComponentDomain" xlink:title="EquityComponentDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EquityComponentDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EquityComponentDomain_lbl" xml:lang="en-US" id="us-gaap_EquityComponentDomain_lbl">Equity Component [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EquityComponentDomain" xlink:to="us-gaap_EquityComponentDomain_lbl" xlink:title="label: EquityComponentDomain to us-gaap_EquityComponentDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:label="EstimateOfFairValueFairValueDisclosureMember" xlink:title="EstimateOfFairValueFairValueDisclosureMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EstimateOfFairValueFairValueDisclosureMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EstimateOfFairValueFairValueDisclosureMember_lbl" xml:lang="en-US" id="us-gaap_EstimateOfFairValueFairValueDisclosureMember_lbl">Fair Value [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EstimateOfFairValueFairValueDisclosureMember" xlink:to="us-gaap_EstimateOfFairValueFairValueDisclosureMember_lbl" xlink:title="label: EstimateOfFairValueFairValueDisclosureMember to us-gaap_EstimateOfFairValueFairValueDisclosureMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:label="FairValueMeasurementPolicyPolicyTextBlock" xlink:title="FairValueMeasurementPolicyPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueMeasurementPolicyPolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_FairValueMeasurementPolicyPolicyTextBlock_lbl" xml:lang="en-US" id="us-gaap_FairValueMeasurementPolicyPolicyTextBlock_lbl">Fair Value Measurements</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueMeasurementPolicyPolicyTextBlock" xlink:to="us-gaap_FairValueMeasurementPolicyPolicyTextBlock_lbl" xlink:title="label: FairValueMeasurementPolicyPolicyTextBlock to us-gaap_FairValueMeasurementPolicyPolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueMeasurementPolicyPolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueMeasurementPolicyPolicyTextBlock_lbl1" xml:lang="en-US" id="us-gaap_FairValueMeasurementPolicyPolicyTextBlock_lbl1">Fair Value Measurement, Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueMeasurementPolicyPolicyTextBlock" xlink:to="us-gaap_FairValueMeasurementPolicyPolicyTextBlock_lbl1" xlink:title="label: FairValueMeasurementPolicyPolicyTextBlock to us-gaap_FairValueMeasurementPolicyPolicyTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueAssetsLevel1ToLevel2TransfersAmount" xlink:label="FairValueAssetsLevel1ToLevel2TransfersAmount" xlink:title="FairValueAssetsLevel1ToLevel2TransfersAmount" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueAssetsLevel1ToLevel2TransfersAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueAssetsLevel1ToLevel2TransfersAmount_lbl" xml:lang="en-US" id="us-gaap_FairValueAssetsLevel1ToLevel2TransfersAmount_lbl">Transfer between level 1 and level 2</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueAssetsLevel1ToLevel2TransfersAmount" xlink:to="us-gaap_FairValueAssetsLevel1ToLevel2TransfersAmount_lbl" xlink:title="label: FairValueAssetsLevel1ToLevel2TransfersAmount to us-gaap_FairValueAssetsLevel1ToLevel2TransfersAmount_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueAssetsLevel2ToLevel1TransfersAmount" xlink:label="FairValueAssetsLevel2ToLevel1TransfersAmount" xlink:title="FairValueAssetsLevel2ToLevel1TransfersAmount" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueAssetsLevel2ToLevel1TransfersAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueAssetsLevel2ToLevel1TransfersAmount_lbl" xml:lang="en-US" id="us-gaap_FairValueAssetsLevel2ToLevel1TransfersAmount_lbl">Transfer between level 2 and level 1</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueAssetsLevel2ToLevel1TransfersAmount" xlink:to="us-gaap_FairValueAssetsLevel2ToLevel1TransfersAmount_lbl" xlink:title="label: FairValueAssetsLevel2ToLevel1TransfersAmount to us-gaap_FairValueAssetsLevel2ToLevel1TransfersAmount_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:label="FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:title="FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:to="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_lbl" xlink:title="label: FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain to us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:title="FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_lbl" xml:lang="en-US" id="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_lbl">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="FairValueByFairValueHierarchyLevelAxis" xlink:title="FairValueByFairValueHierarchyLevelAxis" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueMeasurementsRecurringMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueMeasurementsRecurringMember_lbl" xml:lang="en-US" id="us-gaap_FairValueMeasurementsRecurringMember_lbl">Recurring Basis [Member]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueDisclosuresAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueDisclosuresAbstract_lbl" xml:lang="en-US" id="us-gaap_FairValueDisclosuresAbstract_lbl">Fair Value [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueByAssetClassAxis" xlink:label="FairValueByAssetClassAxis" xlink:title="FairValueByAssetClassAxis" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueMeasurementFrequencyDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueMeasurementFrequencyDomain_lbl" xml:lang="en-US" id="us-gaap_FairValueMeasurementFrequencyDomain_lbl">Measurement Frequency [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="FairValueByMeasurementFrequencyAxis" xlink:title="FairValueByMeasurementFrequencyAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueByMeasurementFrequencyAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueByMeasurementFrequencyAxis_lbl" xml:lang="en-US" id="us-gaap_FairValueByMeasurementFrequencyAxis_lbl">Measurement Frequency [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueByMeasurementFrequencyAxis" xlink:to="us-gaap_FairValueByMeasurementFrequencyAxis_lbl" xlink:title="label: FairValueByMeasurementFrequencyAxis to us-gaap_FairValueByMeasurementFrequencyAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:label="FairValueMeasurementsNonrecurringMember" xlink:title="FairValueMeasurementsNonrecurringMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueMeasurementsNonrecurringMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueMeasurementsNonrecurringMember_lbl" xml:lang="en-US" id="us-gaap_FairValueMeasurementsNonrecurringMember_lbl">Non-Recurring Basis [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueMeasurementsNonrecurringMember" xlink:to="us-gaap_FairValueMeasurementsNonrecurringMember_lbl" xlink:title="label: FairValueMeasurementsNonrecurringMember to us-gaap_FairValueMeasurementsNonrecurringMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="FairValueByMeasurementBasisAxis" xlink:title="FairValueByMeasurementBasisAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueByMeasurementBasisAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueByMeasurementBasisAxis_lbl" xml:lang="en-US" id="us-gaap_FairValueByMeasurementBasisAxis_lbl">Measurement Basis [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:title="FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_lbl" xml:lang="en-US" id="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_lbl">Fair Value, Recurring and Nonrecurring [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:to="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_lbl" xlink:title="label: FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable to us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability" xlink:label="FairValueDisclosureOffbalanceSheetRisksAmountLiability" xlink:title="FairValueDisclosureOffbalanceSheetRisksAmountLiability" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_lbl" xml:lang="en-US" id="us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_lbl">Contractual amounts of financial instruments off-balance-sheet risk</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueDisclosureOffbalanceSheetRisksAmountLiability" xlink:to="us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_lbl" xlink:title="label: FairValueDisclosureOffbalanceSheetRisksAmountLiability to us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_lbl1" xml:lang="en-US" id="us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_lbl1">Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueDisclosureOffbalanceSheetRisksAmountLiability" xlink:to="us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_lbl1" xlink:title="label: FairValueDisclosureOffbalanceSheetRisksAmountLiability to us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock" xlink:label="FairValueDisclosuresTextBlock" xlink:title="FairValueDisclosuresTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueDisclosuresTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueDisclosuresTextBlock_lbl" xml:lang="en-US" id="us-gaap_FairValueDisclosuresTextBlock_lbl">Fair Value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueDisclosuresTextBlock" xlink:to="us-gaap_FairValueDisclosuresTextBlock_lbl" xlink:title="label: FairValueDisclosuresTextBlock to us-gaap_FairValueDisclosuresTextBlock_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock" xlink:label="FairValueAssetsMeasuredOnRecurringBasisTextBlock" xlink:title="FairValueAssetsMeasuredOnRecurringBasisTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock_lbl" xml:lang="en-US" id="us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock_lbl">Assets Measured on Recurring Basis</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:label="FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:title="FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl" xml:lang="en-US" id="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl">Assets Measured on Non-Recurring Basis</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:title="FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl" xml:lang="en-US" id="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:label="FairValueByBalanceSheetGroupingTextBlock" xlink:title="FairValueByBalanceSheetGroupingTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl" xml:lang="en-US" id="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl">Fair Values of Financial Instruments</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="FairValueByBalanceSheetGroupingTable" xlink:title="FairValueByBalanceSheetGroupingTable" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueByBalanceSheetGroupingTable_lbl" xml:lang="en-US" id="us-gaap_FairValueByBalanceSheetGroupingTable_lbl">Fair Value, by Balance Sheet Grouping [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueByBalanceSheetGroupingTable" xlink:to="us-gaap_FairValueByBalanceSheetGroupingTable_lbl" xlink:title="label: FairValueByBalanceSheetGroupingTable to us-gaap_FairValueByBalanceSheetGroupingTable_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="FairValueDisclosureItemAmountsDomain" xlink:title="FairValueDisclosureItemAmountsDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueDisclosureItemAmountsDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueDisclosureItemAmountsDomain_lbl" xml:lang="en-US" id="us-gaap_FairValueDisclosureItemAmountsDomain_lbl">Fair Value Measurement [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueDisclosureItemAmountsDomain" xlink:to="us-gaap_FairValueDisclosureItemAmountsDomain_lbl" xlink:title="label: FairValueDisclosureItemAmountsDomain to us-gaap_FairValueDisclosureItemAmountsDomain_lbl" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueInputsLevel1Member_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_FairValueInputsLevel1Member_lbl" xml:lang="en-US" id="us-gaap_FairValueInputsLevel1Member_lbl">Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueInputsLevel1Member" xlink:to="us-gaap_FairValueInputsLevel1Member_lbl" xlink:title="label: FairValueInputsLevel1Member to us-gaap_FairValueInputsLevel1Member_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueInputsLevel1Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueInputsLevel1Member_lbl1" xml:lang="en-US" id="us-gaap_FairValueInputsLevel1Member_lbl1">Level 1 [Member]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FinancingReceivableModificationsNumberOfContracts2_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FinancingReceivableModificationsNumberOfContracts2_lbl1" xml:lang="en-US" id="us-gaap_FinancingReceivableModificationsNumberOfContracts2_lbl1">Financing Receivable, Modifications, Number of Contracts</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpense" xlink:to="us-gaap_InterestExpense_lbl" xlink:title="label: InterestExpense to us-gaap_InterestExpense_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestExpense_lbl1" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_InterestExpense_lbl1" xml:lang="en-US" id="us-gaap_InterestExpense_lbl1">Interest expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpense" xlink:to="us-gaap_InterestExpense_lbl1" xlink:title="label: InterestExpense to us-gaap_InterestExpense_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestExpense_lbl2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestExpense_lbl2" xml:lang="en-US" id="us-gaap_InterestExpense_lbl2">Interest Expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpense" xlink:to="us-gaap_InterestExpense_lbl2" xlink:title="label: InterestExpense to us-gaap_InterestExpense_lbl2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="InterestExpenseAbstract" xlink:title="InterestExpenseAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestExpenseAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestExpenseAbstract_lbl" xml:lang="en-US" id="us-gaap_InterestExpenseAbstract_lbl">Interest Expense:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseAbstract" xlink:to="us-gaap_InterestExpenseAbstract_lbl" xlink:title="label: InterestExpenseAbstract to us-gaap_InterestExpenseAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestExpenseBorrowings" xlink:label="InterestExpenseBorrowings" xlink:title="InterestExpenseBorrowings" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestExpenseBorrowings_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestExpenseBorrowings_lbl" xml:lang="en-US" id="us-gaap_InterestExpenseBorrowings_lbl">Interest on borrowings</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseBorrowings" xlink:to="us-gaap_InterestExpenseBorrowings_lbl" xlink:title="label: InterestExpenseBorrowings to us-gaap_InterestExpenseBorrowings_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:label="InterestExpenseDeposits" xlink:title="InterestExpenseDeposits" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestExpenseDeposits_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestExpenseDeposits_lbl" xml:lang="en-US" id="us-gaap_InterestExpenseDeposits_lbl">Interest on deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseDeposits" xlink:to="us-gaap_InterestExpenseDeposits_lbl" xlink:title="label: InterestExpenseDeposits to us-gaap_InterestExpenseDeposits_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:label="InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:title="InterestIncomeExpenseAfterProvisionForLoanLoss" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" xml:lang="en-US" id="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl">Net interest income after loan loss (provision) recapture</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" xlink:title="label: InterestIncomeExpenseAfterProvisionForLoanLoss to us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl1" xml:lang="en-US" id="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl1">Interest Income (Expense), after Provision for Loan Loss</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl1" xlink:title="label: InterestIncomeExpenseAfterProvisionForLoanLoss to us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="InterestIncomeExpenseNet" xlink:title="InterestIncomeExpenseNet" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US" id="us-gaap_InterestIncomeExpenseNet_lbl">Net interest income before loan loss provision recapture</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeExpenseNet" xlink:to="us-gaap_InterestIncomeExpenseNet_lbl" xlink:title="label: InterestIncomeExpenseNet to us-gaap_InterestIncomeExpenseNet_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestIncomeExpenseNet_lbl1" xml:lang="en-US" id="us-gaap_InterestIncomeExpenseNet_lbl1">Interest Income (Expense), Net</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeExpenseNet" xlink:to="us-gaap_InterestIncomeExpenseNet_lbl1" xlink:title="label: InterestIncomeExpenseNet to us-gaap_InterestIncomeExpenseNet_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestPaidNet" xlink:label="InterestPaidNet" xlink:title="InterestPaidNet" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestPaidNet_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_InterestPaidNet_lbl" xml:lang="en-US" id="us-gaap_InterestPaidNet_lbl">Cash paid for interest</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestPaidNet" xlink:to="us-gaap_InterestPaidNet_lbl" xlink:title="label: InterestPaidNet to us-gaap_InterestPaidNet_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestPaidNet_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestPaidNet_lbl1" xml:lang="en-US" id="us-gaap_InterestPaidNet_lbl1">Interest Paid, Excluding Capitalized Interest, Operating Activities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestPaidNet" xlink:to="us-gaap_InterestPaidNet_lbl1" xlink:title="label: InterestPaidNet to us-gaap_InterestPaidNet_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestReceivable" xlink:label="InterestReceivable" xlink:title="InterestReceivable" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestReceivable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestReceivable_lbl" xml:lang="en-US" id="us-gaap_InterestReceivable_lbl">Accrued interest receivable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestReceivable" xlink:to="us-gaap_InterestReceivable_lbl" xlink:title="label: InterestReceivable to us-gaap_InterestReceivable_lbl" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestBearingDepositsInBanks" xlink:to="us-gaap_InterestBearingDepositsInBanks_lbl" xlink:title="label: InterestBearingDepositsInBanks to us-gaap_InterestBearingDepositsInBanks_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestBearingDomesticDepositChecking" xlink:label="InterestBearingDomesticDepositChecking" xlink:title="InterestBearingDomesticDepositChecking" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestBearingDomesticDepositChecking_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_InterestBearingDomesticDepositChecking_lbl" xml:lang="en-US" id="us-gaap_InterestBearingDomesticDepositChecking_lbl">NOW account and other demand deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestBearingDomesticDepositChecking" xlink:to="us-gaap_InterestBearingDomesticDepositChecking_lbl" xlink:title="label: InterestBearingDomesticDepositChecking to us-gaap_InterestBearingDomesticDepositChecking_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestBearingDomesticDepositChecking_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestBearingDomesticDepositChecking_lbl1" xml:lang="en-US" id="us-gaap_InterestBearingDomesticDepositChecking_lbl1">Interest-bearing Domestic Deposit, Checking</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestBearingDomesticDepositChecking" xlink:to="us-gaap_InterestBearingDomesticDepositChecking_lbl1" xlink:title="label: InterestBearingDomesticDepositChecking to us-gaap_InterestBearingDomesticDepositChecking_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestBearingDomesticDepositBrokered" xlink:label="InterestBearingDomesticDepositBrokered" xlink:title="InterestBearingDomesticDepositBrokered" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestBearingDomesticDepositBrokered_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_InterestBearingDomesticDepositBrokered_lbl" xml:lang="en-US" id="us-gaap_InterestBearingDomesticDepositBrokered_lbl">Brokered deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestBearingDomesticDepositBrokered" xlink:to="us-gaap_InterestBearingDomesticDepositBrokered_lbl" xlink:title="label: InterestBearingDomesticDepositBrokered to us-gaap_InterestBearingDomesticDepositBrokered_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestBearingDomesticDepositBrokered_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestBearingDomesticDepositBrokered_lbl1" xml:lang="en-US" id="us-gaap_InterestBearingDomesticDepositBrokered_lbl1">Interest-bearing Domestic Deposit, Brokered</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestBearingDomesticDepositBrokered" xlink:to="us-gaap_InterestBearingDomesticDepositBrokered_lbl1" xlink:title="label: InterestBearingDomesticDepositBrokered to us-gaap_InterestBearingDomesticDepositBrokered_lbl1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InternalCreditAssessmentAxis" xlink:to="us-gaap_InternalCreditAssessmentAxis_lbl" xlink:title="label: InternalCreditAssessmentAxis to us-gaap_InternalCreditAssessmentAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:label="InternalCreditAssessmentDomain" xlink:title="InternalCreditAssessmentDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InternalCreditAssessmentDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InternalCreditAssessmentDomain_lbl" xml:lang="en-US" id="us-gaap_InternalCreditAssessmentDomain_lbl">Internal Credit Assessment [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InternalCreditAssessmentDomain" xlink:to="us-gaap_InternalCreditAssessmentDomain_lbl" xlink:title="label: InternalCreditAssessmentDomain to us-gaap_InternalCreditAssessmentDomain_lbl" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_lbl1" xml:lang="en-US" id="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_lbl1">New Accounting Pronouncements, Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_lbl1" xlink:title="label: NewAccountingPronouncementsPolicyPolicyTextBlock to us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NoninterestBearingDomesticDepositDemand" xlink:label="NoninterestBearingDomesticDepositDemand" xlink:title="NoninterestBearingDomesticDepositDemand" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestBearingDomesticDepositDemand_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_NoninterestBearingDomesticDepositDemand_lbl" xml:lang="en-US" id="us-gaap_NoninterestBearingDomesticDepositDemand_lbl">Non-interest bearing demand deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestBearingDomesticDepositDemand" xlink:to="us-gaap_NoninterestBearingDomesticDepositDemand_lbl" xlink:title="label: NoninterestBearingDomesticDepositDemand to us-gaap_NoninterestBearingDomesticDepositDemand_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestBearingDomesticDepositDemand_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestBearingDomesticDepositDemand_lbl1" xml:lang="en-US" id="us-gaap_NoninterestBearingDomesticDepositDemand_lbl1">Noninterest-bearing Domestic Deposit, Demand</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestBearingDomesticDepositDemand" xlink:to="us-gaap_NoninterestBearingDomesticDepositDemand_lbl1" xlink:title="label: NoninterestBearingDomesticDepositDemand to us-gaap_NoninterestBearingDomesticDepositDemand_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="NoninterestExpense" xlink:title="NoninterestExpense" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestExpense_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_NoninterestExpense_lbl" xml:lang="en-US" id="us-gaap_NoninterestExpense_lbl">Total non-interest expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpense" xlink:to="us-gaap_NoninterestExpense_lbl" xlink:title="label: NoninterestExpense to us-gaap_NoninterestExpense_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestExpense_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestExpense_lbl1" xml:lang="en-US" id="us-gaap_NoninterestExpense_lbl1">Noninterest Expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpense" xlink:to="us-gaap_NoninterestExpense_lbl1" xlink:title="label: NoninterestExpense to us-gaap_NoninterestExpense_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="NoninterestIncome" xlink:title="NoninterestIncome" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestIncome_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_NoninterestIncome_lbl" xml:lang="en-US" id="us-gaap_NoninterestIncome_lbl">Total non-interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncome" xlink:to="us-gaap_NoninterestIncome_lbl" xlink:title="label: NoninterestIncome to us-gaap_NoninterestIncome_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestIncome_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestIncome_lbl1" xml:lang="en-US" id="us-gaap_NoninterestIncome_lbl1">Noninterest Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncome" xlink:to="us-gaap_NoninterestIncome_lbl1" xlink:title="label: NoninterestIncome to us-gaap_NoninterestIncome_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="NoninterestExpenseAbstract" xlink:title="NoninterestExpenseAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestExpenseAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestExpenseAbstract_lbl" xml:lang="en-US" id="us-gaap_NoninterestExpenseAbstract_lbl">Non-Interest Expense:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpenseAbstract" xlink:to="us-gaap_NoninterestExpenseAbstract_lbl" xlink:title="label: NoninterestExpenseAbstract to us-gaap_NoninterestExpenseAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="NoninterestIncomeOtherOperatingIncome" xlink:title="NoninterestIncomeOtherOperatingIncome" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl" xml:lang="en-US" id="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl">Other</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeOtherOperatingIncome" xlink:to="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl" xlink:title="label: NoninterestIncomeOtherOperatingIncome to us-gaap_NoninterestIncomeOtherOperatingIncome_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="NoninterestIncomeAbstract" xlink:title="NoninterestIncomeAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestIncomeAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestIncomeAbstract_lbl" xml:lang="en-US" id="us-gaap_NoninterestIncomeAbstract_lbl">Non-Interest Income:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeAbstract" xlink:to="us-gaap_NoninterestIncomeAbstract_lbl" xlink:title="label: NoninterestIncomeAbstract to us-gaap_NoninterestIncomeAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NonvotingCommonStockMember" xlink:label="NonvotingCommonStockMember" xlink:title="NonvotingCommonStockMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NonvotingCommonStockMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NonvotingCommonStockMember_lbl" xml:lang="en-US" id="us-gaap_NonvotingCommonStockMember_lbl">Common Stock Non-Voting [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NonvotingCommonStockMember" xlink:to="us-gaap_NonvotingCommonStockMember_lbl" xlink:title="label: NonvotingCommonStockMember to us-gaap_NonvotingCommonStockMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NumberOfReportableSegments" xlink:label="NumberOfReportableSegments" xlink:title="NumberOfReportableSegments" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NumberOfReportableSegments_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_NumberOfReportableSegments_lbl" xml:lang="en-US" id="us-gaap_NumberOfReportableSegments_lbl">Number of reportable business segments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfReportableSegments" xlink:to="us-gaap_NumberOfReportableSegments_lbl" xlink:title="label: NumberOfReportableSegments to us-gaap_NumberOfReportableSegments_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NumberOfReportableSegments_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NumberOfReportableSegments_lbl1" xml:lang="en-US" id="us-gaap_NumberOfReportableSegments_lbl1">Number of Reportable Segments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfReportableSegments" xlink:to="us-gaap_NumberOfReportableSegments_lbl1" xlink:title="label: NumberOfReportableSegments to us-gaap_NumberOfReportableSegments_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NumberOfOperatingSegments" xlink:label="NumberOfOperatingSegments" xlink:title="NumberOfOperatingSegments" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NumberOfOperatingSegments_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_NumberOfOperatingSegments_lbl" xml:lang="en-US" id="us-gaap_NumberOfOperatingSegments_lbl">Number of active operating subsidiaries</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfOperatingSegments" xlink:to="us-gaap_NumberOfOperatingSegments_lbl" xlink:title="label: NumberOfOperatingSegments to us-gaap_NumberOfOperatingSegments_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NumberOfOperatingSegments_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NumberOfOperatingSegments_lbl1" xml:lang="en-US" id="us-gaap_NumberOfOperatingSegments_lbl1">Number of Operating Segments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfOperatingSegments" xlink:to="us-gaap_NumberOfOperatingSegments_lbl1" xlink:title="label: NumberOfOperatingSegments to us-gaap_NumberOfOperatingSegments_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OccupancyNet" xlink:label="OccupancyNet" xlink:title="OccupancyNet" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OccupancyNet_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OccupancyNet_lbl" xml:lang="en-US" id="us-gaap_OccupancyNet_lbl">Occupancy expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OccupancyNet" xlink:to="us-gaap_OccupancyNet_lbl" xlink:title="label: OccupancyNet to us-gaap_OccupancyNet_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:label="OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:title="OffBalanceSheetCreditExposurePolicyPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_lbl" xml:lang="en-US" id="us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_lbl">Loan Commitments and Related Financial Instruments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:to="us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_lbl" xlink:title="label: OffBalanceSheetCreditExposurePolicyPolicyTextBlock to us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_lbl1" xml:lang="en-US" id="us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_lbl1">Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:to="us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_lbl1" xlink:title="label: OffBalanceSheetCreditExposurePolicyPolicyTextBlock to us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeasePayments" xlink:label="OperatingLeasePayments" xlink:title="OperatingLeasePayments" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OperatingLeasePayments_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OperatingLeasePayments_lbl" xml:lang="en-US" id="us-gaap_OperatingLeasePayments_lbl">Cash paid for amounts included in the measurement of lease liabilities for operating leases:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingLeasePayments" xlink:to="us-gaap_OperatingLeasePayments_lbl" xlink:title="label: OperatingLeasePayments to us-gaap_OperatingLeasePayments_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract" xlink:label="OperatingLeaseLiabilitiesPaymentsDueAbstract" xlink:title="OperatingLeaseLiabilitiesPaymentsDueAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_lbl" xml:lang="en-US" id="us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_lbl">Future Minimum Payments for Operating Leases [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingLeaseLiabilitiesPaymentsDueAbstract" xlink:to="us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_lbl" xlink:title="label: OperatingLeaseLiabilitiesPaymentsDueAbstract to us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_lbl1" xml:lang="en-US" id="us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_lbl1">Lessee, Operating Lease, Liability, Payment, Due [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingLeaseLiabilitiesPaymentsDueAbstract" xlink:to="us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_lbl1" xlink:title="label: OperatingLeaseLiabilitiesPaymentsDueAbstract to us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent" xlink:label="OperatingLeaseWeightedAverageDiscountRatePercent" xlink:title="OperatingLeaseWeightedAverageDiscountRatePercent" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_lbl" xml:lang="en-US" id="us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_lbl">Weighted average discount rate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingLeaseWeightedAverageDiscountRatePercent" xlink:to="us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_lbl" xlink:title="label: OperatingLeaseWeightedAverageDiscountRatePercent to us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeaseLiability" xlink:label="OperatingLeaseLiability" xlink:title="OperatingLeaseLiability" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OperatingLeaseLiability_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OperatingLeaseLiability_lbl" xml:lang="en-US" id="us-gaap_OperatingLeaseLiability_lbl">Operating lease liability</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingLeaseLiability" xlink:to="us-gaap_OperatingLeaseLiability_lbl" xlink:title="label: OperatingLeaseLiability to us-gaap_OperatingLeaseLiability_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OperatingLeaseLiability_lbl1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_OperatingLeaseLiability_lbl1" xml:lang="en-US" id="us-gaap_OperatingLeaseLiability_lbl1">Present Value of Net Future Minimum Lease Payments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingLeaseLiability" xlink:to="us-gaap_OperatingLeaseLiability_lbl1" xlink:title="label: OperatingLeaseLiability to us-gaap_OperatingLeaseLiability_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:label="OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:title="OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_lbl" xml:lang="en-US" id="us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_lbl">Operating Lease, Liability, Statement of Financial Position [Extensible List]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:to="us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_lbl" xlink:title="label: OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList to us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeaseRightOfUseAsset" xlink:label="OperatingLeaseRightOfUseAsset" xlink:title="OperatingLeaseRightOfUseAsset" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OperatingLeaseRightOfUseAsset_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OperatingLeaseRightOfUseAsset_lbl" xml:lang="en-US" id="us-gaap_OperatingLeaseRightOfUseAsset_lbl">ROU asset</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingLeaseRightOfUseAsset" xlink:to="us-gaap_OperatingLeaseRightOfUseAsset_lbl" xlink:title="label: OperatingLeaseRightOfUseAsset to us-gaap_OperatingLeaseRightOfUseAsset_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList" xlink:label="OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList" xlink:title="OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl1" xml:lang="en-US" id="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl1">Payments for Repurchase of Common Stock</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:label="PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:title="PaymentsToAcquireAvailableForSaleSecuritiesDebt" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_lbl" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_lbl" xml:lang="en-US" id="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_lbl">Purchases of available-for-sale municipal bonds</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment" xlink:label="PaymentsToAcquireLoansAndLeasesHeldForInvestment" xlink:title="PaymentsToAcquireLoansAndLeasesHeldForInvestment" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="PaymentsToAcquirePropertyPlantAndEquipment" xlink:title="PaymentsToAcquirePropertyPlantAndEquipment" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_PlanNameAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PlanNameAxis_lbl" xml:lang="en-US" id="us-gaap_PlanNameAxis_lbl">Plan Name [Axis]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PreferredStockValue_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PreferredStockValue_lbl" xml:lang="en-US" id="us-gaap_PreferredStockValue_lbl">Preferred stock, $.01 par value, authorized 1,000,000 shares; none issued or outstanding</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromDividendsReceived" xlink:label="ProceedsFromDividendsReceived" xlink:title="ProceedsFromDividendsReceived" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ProceedsFromDividendsReceived_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ProceedsFromDividendsReceived_lbl" xml:lang="en-US" id="us-gaap_ProceedsFromDividendsReceived_lbl">Dividends from bank subsidiary</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:title="ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromRepaymentOfLoansByEmployeeStockOwnershipPlans" xlink:label="ProceedsFromRepaymentOfLoansByEmployeeStockOwnershipPlans" xlink:title="ProceedsFromRepaymentOfLoansByEmployeeStockOwnershipPlans" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PropertyPlantAndEquipmentLineItems_lbl" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentLineItems_lbl">Property, Plant and Equipment [Line Items]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_lbl" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_lbl">Office Properties and Equipment, net</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_PropertyPlantAndEquipmentTextBlock_lbl" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentTextBlock_lbl">Office Properties and Equipment</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PropertyPlantAndEquipmentTextBlock_lbl1" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentTextBlock_lbl1">Property, Plant and Equipment [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PropertyPlantAndEquipmentTextBlock" xlink:to="us-gaap_PropertyPlantAndEquipmentTextBlock_lbl1" xlink:title="label: PropertyPlantAndEquipmentTextBlock to us-gaap_PropertyPlantAndEquipmentTextBlock_lbl1" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_PropertyPlantAndEquipmentAbstract_lbl" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentAbstract_lbl">Office Properties and Equipment [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PropertyPlantAndEquipmentAbstract" xlink:to="us-gaap_PropertyPlantAndEquipmentAbstract_lbl" xlink:title="label: PropertyPlantAndEquipmentAbstract to us-gaap_PropertyPlantAndEquipmentAbstract_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PropertyPlantAndEquipmentAbstract_lbl1" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentAbstract_lbl1">Office Properties and Equipment, net [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PropertyPlantAndEquipmentAbstract" xlink:to="us-gaap_PropertyPlantAndEquipmentAbstract_lbl1" xlink:title="label: PropertyPlantAndEquipmentAbstract to us-gaap_PropertyPlantAndEquipmentAbstract_lbl1" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentTypeDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PropertyPlantAndEquipmentTypeDomain_lbl" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentTypeDomain_lbl">Long-Lived Tangible Asset [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PropertyPlantAndEquipmentTypeDomain" xlink:to="us-gaap_PropertyPlantAndEquipmentTypeDomain_lbl" xlink:title="label: PropertyPlantAndEquipmentTypeDomain to us-gaap_PropertyPlantAndEquipmentTypeDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="PropertyPlantAndEquipmentGross" xlink:title="PropertyPlantAndEquipmentGross" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentGross_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_PropertyPlantAndEquipmentGross_lbl" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentGross_lbl">Office properties and equipment, gross</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentNet_lbl">us-gaap_PropertyPlantAndEquipmentNet</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl" xlink:title="label: PropertyPlantAndEquipmentNet to us-gaap_PropertyPlantAndEquipmentNet_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_PropertyPlantAndEquipmentNet_lbl1" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentNet_lbl1">Office properties and equipment, net</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl2" xlink:title="label: PropertyPlantAndEquipmentNet to us-gaap_PropertyPlantAndEquipmentNet_lbl2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:label="PropertyPlantAndEquipmentPolicyTextBlock" xlink:title="PropertyPlantAndEquipmentPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_lbl" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_lbl">Office Properties and Equipment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PropertyPlantAndEquipmentPolicyTextBlock" xlink:to="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_lbl" xlink:title="label: PropertyPlantAndEquipmentPolicyTextBlock to us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_lbl1" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_lbl1">Property, Plant and Equipment, Policy [Policy Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract" xlink:label="PropertyPlantAndEquipmentNetByTypeAbstract" xlink:title="PropertyPlantAndEquipmentNetByTypeAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract_lbl" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract_lbl">Office Properties and Equipment [Abstract]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract_lbl1" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract_lbl1">Property, Plant and Equipment, Net, by Type [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PropertyPlantAndEquipmentNetByTypeAbstract" xlink:to="us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract_lbl1" xlink:title="label: PropertyPlantAndEquipmentNetByTypeAbstract to us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="ProvisionForLoanAndLeaseLosses" xlink:title="ProvisionForLoanAndLeaseLosses" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_ProvisionForLoanAndLeaseLosses_lbl1" xml:lang="en-US" id="us-gaap_ProvisionForLoanAndLeaseLosses_lbl1">Loan loss provision (recaptures)</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProvisionForLoanLossesExpensed" xlink:label="ProvisionForLoanLossesExpensed" xlink:title="ProvisionForLoanLossesExpensed" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RealEstateOwnedValuationAllowanceProvision1" xlink:label="RealEstateOwnedValuationAllowanceProvision1" xlink:title="RealEstateOwnedValuationAllowanceProvision1" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_RepaymentsOfSubordinatedDebt_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_RepaymentsOfSubordinatedDebt_lbl" xml:lang="en-US" id="us-gaap_RepaymentsOfSubordinatedDebt_lbl">Payment of principal amount</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_RepaymentsOfSubordinatedDebt_lbl1" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_RepaymentsOfSubordinatedDebt_lbl1" xml:lang="en-US" id="us-gaap_RepaymentsOfSubordinatedDebt_lbl1">Repayments of junior subordinated debentures</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_lbl" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesOutstanding" xlink:to="us-gaap_SharesOutstanding_lbl" xlink:title="label: SharesOutstanding to us-gaap_SharesOutstanding_lbl" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquity_lbl1" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="us-gaap_StockholdersEquity_lbl1" xml:lang="en-US" id="us-gaap_StockholdersEquity_lbl1">Balance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl1" xlink:title="label: StockholdersEquity to us-gaap_StockholdersEquity_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquity_lbl2" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="us-gaap_StockholdersEquity_lbl2" xml:lang="en-US" id="us-gaap_StockholdersEquity_lbl2">Balance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl2" xlink:title="label: StockholdersEquity to us-gaap_StockholdersEquity_lbl2" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquity_lbl3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockholdersEquity_lbl3" xml:lang="en-US" id="us-gaap_StockholdersEquity_lbl3">Stockholders' equity</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl3" xlink:title="label: StockholdersEquity to us-gaap_StockholdersEquity_lbl3" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="StockholdersEquityAbstract" xlink:title="StockholdersEquityAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquityAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockholdersEquityAbstract_lbl" xml:lang="en-US" id="us-gaap_StockholdersEquityAbstract_lbl">Stockholders' Equity:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityAbstract" xlink:to="us-gaap_StockholdersEquityAbstract_lbl" xlink:title="label: StockholdersEquityAbstract to us-gaap_StockholdersEquityAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubordinatedBorrowingsAbstract" xlink:label="SubordinatedBorrowingsAbstract" xlink:title="SubordinatedBorrowingsAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubordinatedBorrowingsAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubordinatedBorrowingsAbstract_lbl" xml:lang="en-US" id="us-gaap_SubordinatedBorrowingsAbstract_lbl">Junior Subordinated Debentures [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubordinatedBorrowingsAbstract" xlink:to="us-gaap_SubordinatedBorrowingsAbstract_lbl" xlink:title="label: SubordinatedBorrowingsAbstract to us-gaap_SubordinatedBorrowingsAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubordinatedBorrowingsDisclosureTextBlock" xlink:label="SubordinatedBorrowingsDisclosureTextBlock" xlink:title="SubordinatedBorrowingsDisclosureTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubordinatedBorrowingsDisclosureTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_SubordinatedBorrowingsDisclosureTextBlock_lbl" xml:lang="en-US" id="us-gaap_SubordinatedBorrowingsDisclosureTextBlock_lbl">Junior Subordinated Debentures</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubordinatedBorrowingsDisclosureTextBlock" xlink:to="us-gaap_SubordinatedBorrowingsDisclosureTextBlock_lbl" xlink:title="label: SubordinatedBorrowingsDisclosureTextBlock to us-gaap_SubordinatedBorrowingsDisclosureTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubordinatedBorrowingsDisclosureTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubordinatedBorrowingsDisclosureTextBlock_lbl1" xml:lang="en-US" id="us-gaap_SubordinatedBorrowingsDisclosureTextBlock_lbl1">Subordinated Borrowings Disclosure [Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubordinatedBorrowingsDisclosureTextBlock" xlink:to="us-gaap_SubordinatedBorrowingsDisclosureTextBlock_lbl1" xlink:title="label: SubordinatedBorrowingsDisclosureTextBlock to us-gaap_SubordinatedBorrowingsDisclosureTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubordinatedDebt" xlink:label="SubordinatedDebt" xlink:title="SubordinatedDebt" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubordinatedDebt_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_SubordinatedDebt_lbl" xml:lang="en-US" id="us-gaap_SubordinatedDebt_lbl">Junior subordinated debentures</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubordinatedDebt" xlink:to="us-gaap_SubordinatedDebt_lbl" xlink:title="label: SubordinatedDebt to us-gaap_SubordinatedDebt_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubordinatedDebt_lbl1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_SubordinatedDebt_lbl1" xml:lang="en-US" id="us-gaap_SubordinatedDebt_lbl1">Junior subordinated debentures</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubordinatedDebt" xlink:to="us-gaap_SubordinatedDebt_lbl1" xlink:title="label: SubordinatedDebt to us-gaap_SubordinatedDebt_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubordinatedDebt_lbl2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubordinatedDebt_lbl2" xml:lang="en-US" id="us-gaap_SubordinatedDebt_lbl2">Junior subordinated debentures</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubordinatedDebt" xlink:to="us-gaap_SubordinatedDebt_lbl2" xlink:title="label: SubordinatedDebt to us-gaap_SubordinatedDebt_lbl2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubsequentEventTypeAxis" xlink:label="SubsequentEventTypeAxis" xlink:title="SubsequentEventTypeAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubsequentEventTypeAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubsequentEventTypeAxis_lbl" xml:lang="en-US" id="us-gaap_SubsequentEventTypeAxis_lbl">Subsequent Event Type [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsequentEventTypeAxis" xlink:to="us-gaap_SubsequentEventTypeAxis_lbl" xlink:title="label: SubsequentEventTypeAxis to us-gaap_SubsequentEventTypeAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubsequentEventsTextBlock" xlink:label="SubsequentEventsTextBlock" xlink:title="SubsequentEventsTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubsequentEventsTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_SubsequentEventsTextBlock_lbl" xml:lang="en-US" id="us-gaap_SubsequentEventsTextBlock_lbl">Subsequent Events</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsequentEventsTextBlock" xlink:to="us-gaap_SubsequentEventsTextBlock_lbl" xlink:title="label: SubsequentEventsTextBlock to us-gaap_SubsequentEventsTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubsequentEventsTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubsequentEventsTextBlock_lbl1" xml:lang="en-US" id="us-gaap_SubsequentEventsTextBlock_lbl1">Subsequent Events [Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsequentEventsTextBlock" xlink:to="us-gaap_SubsequentEventsTextBlock_lbl1" xlink:title="label: SubsequentEventsTextBlock to us-gaap_SubsequentEventsTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubsequentEventLineItems" xlink:label="SubsequentEventLineItems" xlink:title="SubsequentEventLineItems" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubsequentEventLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubsequentEventLineItems_lbl" xml:lang="en-US" id="us-gaap_SubsequentEventLineItems_lbl">Subsequent Event [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsequentEventLineItems" xlink:to="us-gaap_SubsequentEventLineItems_lbl" xlink:title="label: SubsequentEventLineItems to us-gaap_SubsequentEventLineItems_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubsequentEventTypeDomain" xlink:label="SubsequentEventTypeDomain" xlink:title="SubsequentEventTypeDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubsequentEventTypeDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubsequentEventTypeDomain_lbl" xml:lang="en-US" id="us-gaap_SubsequentEventTypeDomain_lbl">Subsequent Event Type [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsequentEventTypeDomain" xlink:to="us-gaap_SubsequentEventTypeDomain_lbl" xlink:title="label: SubsequentEventTypeDomain to us-gaap_SubsequentEventTypeDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubsequentEventMember" xlink:label="SubsequentEventMember" xlink:title="SubsequentEventMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubsequentEventMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubsequentEventMember_lbl" xml:lang="en-US" id="us-gaap_SubsequentEventMember_lbl">Subsequent Event [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsequentEventMember" xlink:to="us-gaap_SubsequentEventMember_lbl" xlink:title="label: SubsequentEventMember to us-gaap_SubsequentEventMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubsequentEventsAbstract" xlink:label="SubsequentEventsAbstract" xlink:title="SubsequentEventsAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubsequentEventsAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubsequentEventsAbstract_lbl" xml:lang="en-US" id="us-gaap_SubsequentEventsAbstract_lbl">Subsequent Events [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsequentEventsAbstract" xlink:to="us-gaap_SubsequentEventsAbstract_lbl" xlink:title="label: SubsequentEventsAbstract to us-gaap_SubsequentEventsAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubsequentEventTable" xlink:label="SubsequentEventTable" xlink:title="SubsequentEventTable" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubsequentEventTable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubsequentEventTable_lbl" xml:lang="en-US" id="us-gaap_SubsequentEventTable_lbl">Subsequent Event [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsequentEventTable" xlink:to="us-gaap_SubsequentEventTable_lbl" xlink:title="label: SubsequentEventTable to us-gaap_SubsequentEventTable_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubsidiarySaleOfStockAxis" xlink:label="SubsidiarySaleOfStockAxis" xlink:title="SubsidiarySaleOfStockAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubsidiarySaleOfStockAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubsidiarySaleOfStockAxis_lbl" xml:lang="en-US" id="us-gaap_SubsidiarySaleOfStockAxis_lbl">Sale of Stock [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsidiarySaleOfStockAxis" xlink:to="us-gaap_SubsidiarySaleOfStockAxis_lbl" xlink:title="label: SubsidiarySaleOfStockAxis to us-gaap_SubsidiarySaleOfStockAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="SupplementalCashFlowInformationAbstract" xlink:title="SupplementalCashFlowInformationAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_SupplementalCashFlowInformationAbstract_lbl" xml:lang="en-US" id="us-gaap_SupplementalCashFlowInformationAbstract_lbl">Supplemental disclosures of cash flow information:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SupplementalCashFlowInformationAbstract" xlink:to="us-gaap_SupplementalCashFlowInformationAbstract_lbl" xlink:title="label: SupplementalCashFlowInformationAbstract to us-gaap_SupplementalCashFlowInformationAbstract_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SupplementalCashFlowInformationAbstract_lbl1" xml:lang="en-US" id="us-gaap_SupplementalCashFlowInformationAbstract_lbl1">Supplemental Cash Flow Information [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SupplementalCashFlowInformationAbstract" xlink:to="us-gaap_SupplementalCashFlowInformationAbstract_lbl1" xlink:title="label: SupplementalCashFlowInformationAbstract to us-gaap_SupplementalCashFlowInformationAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TaxCreditCarryforwardAxis" xlink:label="TaxCreditCarryforwardAxis" xlink:title="TaxCreditCarryforwardAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TaxCreditCarryforwardAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TaxCreditCarryforwardAxis_lbl" xml:lang="en-US" id="us-gaap_TaxCreditCarryforwardAxis_lbl">Tax Credit Carryforward [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TaxCreditCarryforwardAxis" xlink:to="us-gaap_TaxCreditCarryforwardAxis_lbl" xlink:title="label: TaxCreditCarryforwardAxis to us-gaap_TaxCreditCarryforwardAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TaxCreditCarryforwardAmount" xlink:label="TaxCreditCarryforwardAmount" xlink:title="TaxCreditCarryforwardAmount" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TaxCreditCarryforwardAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TaxCreditCarryforwardAmount_lbl" xml:lang="en-US" id="us-gaap_TaxCreditCarryforwardAmount_lbl">Tax credit carryforward</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TaxCreditCarryforwardAmount" xlink:to="us-gaap_TaxCreditCarryforwardAmount_lbl" xlink:title="label: TaxCreditCarryforwardAmount to us-gaap_TaxCreditCarryforwardAmount_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TaxCreditCarryforwardNameDomain" xlink:label="TaxCreditCarryforwardNameDomain" xlink:title="TaxCreditCarryforwardNameDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TaxCreditCarryforwardNameDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TaxCreditCarryforwardNameDomain_lbl" xml:lang="en-US" id="us-gaap_TaxCreditCarryforwardNameDomain_lbl">Tax Credit Carryforward, Name [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TaxCreditCarryforwardNameDomain" xlink:to="us-gaap_TaxCreditCarryforwardNameDomain_lbl" xlink:title="label: TaxCreditCarryforwardNameDomain to us-gaap_TaxCreditCarryforwardNameDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:label="TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:title="TierOneRiskBasedCapitalRequiredForCapitalAdequacy" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl">Tier 1, Amount</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl1" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl1">Banking Regulation, Tier One Risk-Based Capital, Capital Adequacy, Minimum</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:title="TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl">Tier 1, Ratio</link:label>
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    <link:label xlink:type="resource" xlink:label="srt_CounterpartyNameAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CounterpartyNameAxis_lbl" xml:lang="en-US" id="srt_CounterpartyNameAxis_lbl">Counterparty Name [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CounterpartyNameAxis" xlink:to="srt_CounterpartyNameAxis_lbl" xlink:title="label: CounterpartyNameAxis to srt_CounterpartyNameAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_ChiefExecutiveOfficerMember" xlink:label="ChiefExecutiveOfficerMember" xlink:title="ChiefExecutiveOfficerMember" />
    <link:label xlink:type="resource" xlink:label="srt_ChiefExecutiveOfficerMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_ChiefExecutiveOfficerMember_lbl" xml:lang="en-US" id="srt_ChiefExecutiveOfficerMember_lbl">Chief Executive Officer [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ChiefExecutiveOfficerMember" xlink:to="srt_ChiefExecutiveOfficerMember_lbl" xlink:title="label: ChiefExecutiveOfficerMember to srt_ChiefExecutiveOfficerMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_CondensedIncomeStatementsCaptionsLineItems" xlink:label="CondensedIncomeStatementsCaptionsLineItems" xlink:title="CondensedIncomeStatementsCaptionsLineItems" />
    <link:label xlink:type="resource" xlink:label="srt_CondensedIncomeStatementsCaptionsLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CondensedIncomeStatementsCaptionsLineItems_lbl" xml:lang="en-US" id="srt_CondensedIncomeStatementsCaptionsLineItems_lbl">Condensed Income Statements, Captions [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedIncomeStatementsCaptionsLineItems" xlink:to="srt_CondensedIncomeStatementsCaptionsLineItems_lbl" xlink:title="label: CondensedIncomeStatementsCaptionsLineItems to srt_CondensedIncomeStatementsCaptionsLineItems_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_CondensedCashFlowStatementsCaptionsLineItems" xlink:label="CondensedCashFlowStatementsCaptionsLineItems" xlink:title="CondensedCashFlowStatementsCaptionsLineItems" />
    <link:label xlink:type="resource" xlink:label="srt_CondensedCashFlowStatementsCaptionsLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CondensedCashFlowStatementsCaptionsLineItems_lbl" xml:lang="en-US" id="srt_CondensedCashFlowStatementsCaptionsLineItems_lbl">Condensed Cash Flow Statements, Captions [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedCashFlowStatementsCaptionsLineItems" xlink:to="srt_CondensedCashFlowStatementsCaptionsLineItems_lbl" xlink:title="label: CondensedCashFlowStatementsCaptionsLineItems to srt_CondensedCashFlowStatementsCaptionsLineItems_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_CondensedIncomeStatementTable" xlink:label="CondensedIncomeStatementTable" xlink:title="CondensedIncomeStatementTable" />
    <link:label xlink:type="resource" xlink:label="srt_CondensedIncomeStatementTable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CondensedIncomeStatementTable_lbl" xml:lang="en-US" id="srt_CondensedIncomeStatementTable_lbl">Condensed Income Statement [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedIncomeStatementTable" xlink:to="srt_CondensedIncomeStatementTable_lbl" xlink:title="label: CondensedIncomeStatementTable to srt_CondensedIncomeStatementTable_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_CondensedBalanceSheetStatementTable" xlink:label="CondensedBalanceSheetStatementTable" xlink:title="CondensedBalanceSheetStatementTable" />
    <link:label xlink:type="resource" xlink:label="srt_CondensedBalanceSheetStatementTable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CondensedBalanceSheetStatementTable_lbl" xml:lang="en-US" id="srt_CondensedBalanceSheetStatementTable_lbl">Condensed Balance Sheet Statement [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedBalanceSheetStatementTable" xlink:to="srt_CondensedBalanceSheetStatementTable_lbl" xlink:title="label: CondensedBalanceSheetStatementTable to srt_CondensedBalanceSheetStatementTable_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_CondensedCashFlowStatementTable" xlink:label="CondensedCashFlowStatementTable" xlink:title="CondensedCashFlowStatementTable" />
    <link:label xlink:type="resource" xlink:label="srt_CondensedCashFlowStatementTable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CondensedCashFlowStatementTable_lbl" xml:lang="en-US" id="srt_CondensedCashFlowStatementTable_lbl">Condensed Cash Flow Statement [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedCashFlowStatementTable" xlink:to="srt_CondensedCashFlowStatementTable_lbl" xlink:title="label: CondensedCashFlowStatementTable to srt_CondensedCashFlowStatementTable_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:title="CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" />
    <link:label xlink:type="resource" xlink:label="srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_lbl" xml:lang="en-US" id="srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_lbl">Parent Company Only Condensed Financial Information</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:to="srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_lbl" xlink:title="label: CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract to srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:label="CondensedBalanceSheetStatementsCaptionsLineItems" xlink:title="CondensedBalanceSheetStatementsCaptionsLineItems" />
    <link:label xlink:type="resource" xlink:label="srt_CondensedBalanceSheetStatementsCaptionsLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CondensedBalanceSheetStatementsCaptionsLineItems_lbl" xml:lang="en-US" id="srt_CondensedBalanceSheetStatementsCaptionsLineItems_lbl">Condensed Balance Sheet Statements, Captions [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedBalanceSheetStatementsCaptionsLineItems" xlink:to="srt_CondensedBalanceSheetStatementsCaptionsLineItems_lbl" xlink:title="label: CondensedBalanceSheetStatementsCaptionsLineItems to srt_CondensedBalanceSheetStatementsCaptionsLineItems_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_ConsolidatedEntitiesDomain" xlink:label="ConsolidatedEntitiesDomain" xlink:title="ConsolidatedEntitiesDomain" />
    <link:label xlink:type="resource" xlink:label="srt_ConsolidatedEntitiesDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_ConsolidatedEntitiesDomain_lbl" xml:lang="en-US" id="srt_ConsolidatedEntitiesDomain_lbl">Consolidated Entities [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConsolidatedEntitiesDomain" xlink:to="srt_ConsolidatedEntitiesDomain_lbl" xlink:title="label: ConsolidatedEntitiesDomain to srt_ConsolidatedEntitiesDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_ConsolidatedEntitiesAxis" xlink:label="ConsolidatedEntitiesAxis" xlink:title="ConsolidatedEntitiesAxis" />
    <link:label xlink:type="resource" xlink:label="srt_ConsolidatedEntitiesAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_ConsolidatedEntitiesAxis_lbl" xml:lang="en-US" id="srt_ConsolidatedEntitiesAxis_lbl">Consolidated Entities [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConsolidatedEntitiesAxis" xlink:to="srt_ConsolidatedEntitiesAxis_lbl" xlink:title="label: ConsolidatedEntitiesAxis to srt_ConsolidatedEntitiesAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_DirectorMember" xlink:label="DirectorMember" xlink:title="DirectorMember" />
    <link:label xlink:type="resource" xlink:label="srt_DirectorMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_DirectorMember_lbl" xml:lang="en-US" id="srt_DirectorMember_lbl">Directors [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DirectorMember" xlink:to="srt_DirectorMember_lbl" xlink:title="label: DirectorMember to srt_DirectorMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_MultifamilyMember" xlink:label="MultifamilyMember" xlink:title="MultifamilyMember" />
    <link:label xlink:type="resource" xlink:label="srt_MultifamilyMember_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="srt_MultifamilyMember_lbl" xml:lang="en-US" id="srt_MultifamilyMember_lbl">Multi-family Loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MultifamilyMember" xlink:to="srt_MultifamilyMember_lbl" xlink:title="label: MultifamilyMember to srt_MultifamilyMember_lbl" />
    <link:label xlink:type="resource" xlink:label="srt_MultifamilyMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_MultifamilyMember_lbl1" xml:lang="en-US" id="srt_MultifamilyMember_lbl1">Multifamily [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MultifamilyMember" xlink:to="srt_MultifamilyMember_lbl1" xlink:title="label: MultifamilyMember to srt_MultifamilyMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_MajorCustomersAxis" xlink:label="MajorCustomersAxis" xlink:title="MajorCustomersAxis" />
    <link:label xlink:type="resource" xlink:label="srt_MajorCustomersAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_MajorCustomersAxis_lbl" xml:lang="en-US" id="srt_MajorCustomersAxis_lbl">Customer [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MajorCustomersAxis" xlink:to="srt_MajorCustomersAxis_lbl" xlink:title="label: MajorCustomersAxis to srt_MajorCustomersAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_MaximumMember" xlink:label="MaximumMember" xlink:title="MaximumMember" />
    <link:label xlink:type="resource" xlink:label="srt_MaximumMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_MaximumMember_lbl" xml:lang="en-US" id="srt_MaximumMember_lbl">Maximum [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaximumMember" xlink:to="srt_MaximumMember_lbl" xlink:title="label: MaximumMember to srt_MaximumMember_lbl" />
    <link:label xlink:type="resource" xlink:label="srt_MaximumMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="srt_MaximumMember_lbl1" xml:lang="en-US" id="srt_MaximumMember_lbl1">Maximum [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaximumMember" xlink:to="srt_MaximumMember_lbl1" xlink:title="label: MaximumMember to srt_MaximumMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_MinimumMember" xlink:label="MinimumMember" xlink:title="MinimumMember" />
    <link:label xlink:type="resource" xlink:label="srt_MinimumMember_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="srt_MinimumMember_lbl" xml:lang="en-US" id="srt_MinimumMember_lbl">Minimum [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MinimumMember" xlink:to="srt_MinimumMember_lbl" xlink:title="label: MinimumMember to srt_MinimumMember_lbl" />
    <link:label xlink:type="resource" xlink:label="srt_MinimumMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_MinimumMember_lbl1" xml:lang="en-US" id="srt_MinimumMember_lbl1">Minimum [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_NameOfMajorCustomerDomain" xlink:label="NameOfMajorCustomerDomain" xlink:title="NameOfMajorCustomerDomain" />
    <link:label xlink:type="resource" xlink:label="srt_NameOfMajorCustomerDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_NameOfMajorCustomerDomain_lbl" xml:lang="en-US" id="srt_NameOfMajorCustomerDomain_lbl">Customer [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NameOfMajorCustomerDomain" xlink:to="srt_NameOfMajorCustomerDomain_lbl" xlink:title="label: NameOfMajorCustomerDomain to srt_NameOfMajorCustomerDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_OwnershipDomain" xlink:label="OwnershipDomain" xlink:title="OwnershipDomain" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_OwnershipAxis" xlink:label="OwnershipAxis" xlink:title="OwnershipAxis" />
    <link:label xlink:type="resource" xlink:label="srt_OwnershipAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_OwnershipAxis_lbl" xml:lang="en-US" id="srt_OwnershipAxis_lbl">Ownership [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OwnershipAxis" xlink:to="srt_OwnershipAxis_lbl" xlink:title="label: OwnershipAxis to srt_OwnershipAxis_lbl" />
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    <link:label xlink:type="resource" xlink:label="srt_ParentCompanyMember_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="srt_ParentCompanyMember_lbl" xml:lang="en-US" id="srt_ParentCompanyMember_lbl">Broadway Financial Corporation [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_RangeMember" xlink:label="RangeMember" xlink:title="RangeMember" />
    <link:label xlink:type="resource" xlink:label="srt_RangeMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_RangeMember_lbl" xml:lang="en-US" id="srt_RangeMember_lbl">Statistical Measurement [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RangeMember" xlink:to="srt_RangeMember_lbl" xlink:title="label: RangeMember to srt_RangeMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_RegulatoryCapitalRequirementsAbstract" xlink:label="RegulatoryCapitalRequirementsAbstract" xlink:title="RegulatoryCapitalRequirementsAbstract" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_RepurchaseAgreementCounterpartyNameDomain" xlink:label="RepurchaseAgreementCounterpartyNameDomain" xlink:title="RepurchaseAgreementCounterpartyNameDomain" />
    <link:label xlink:type="resource" xlink:label="srt_RepurchaseAgreementCounterpartyNameDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_RepurchaseAgreementCounterpartyNameDomain_lbl" xml:lang="en-US" id="srt_RepurchaseAgreementCounterpartyNameDomain_lbl">Counterparty Name [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RepurchaseAgreementCounterpartyNameDomain" xlink:to="srt_RepurchaseAgreementCounterpartyNameDomain_lbl" xlink:title="label: RepurchaseAgreementCounterpartyNameDomain to srt_RepurchaseAgreementCounterpartyNameDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_ScenarioUnspecifiedDomain" xlink:label="ScenarioUnspecifiedDomain" xlink:title="ScenarioUnspecifiedDomain" />
    <link:label xlink:type="resource" xlink:label="srt_ScenarioUnspecifiedDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_ScenarioUnspecifiedDomain_lbl" xml:lang="en-US" id="srt_ScenarioUnspecifiedDomain_lbl">Scenario [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScenarioUnspecifiedDomain" xlink:to="srt_ScenarioUnspecifiedDomain_lbl" xlink:title="label: ScenarioUnspecifiedDomain to srt_ScenarioUnspecifiedDomain_lbl" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent_lbl" xlink:title="label: EntityInteractiveDataCurrent to dei_EntityInteractiveDataCurrent_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityShellCompany" xlink:label="EntityShellCompany" xlink:title="EntityShellCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityShellCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityShellCompany_lbl" xml:lang="en-US" id="dei_EntityShellCompany_lbl">Entity Shell Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl" xlink:title="label: EntityShellCompany to dei_EntityShellCompany_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany_lbl">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntitySmallBusiness" xlink:label="EntitySmallBusiness" xlink:title="EntitySmallBusiness" />
    <link:label xlink:type="resource" xlink:label="dei_EntitySmallBusiness_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntitySmallBusiness_lbl" xml:lang="en-US" id="dei_EntitySmallBusiness_lbl">Entity Small Business</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness_lbl" xlink:title="label: EntitySmallBusiness to dei_EntitySmallBusiness_lbl" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_SubsequentEventsDisclosureAbstract" xlink:label="SubsequentEventsDisclosureAbstract" xlink:title="SubsequentEventsDisclosureAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_SubsequentEventsDisclosureAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_SubsequentEventsDisclosureAbstract_lbl1" xml:lang="en-US" id="byfc_SubsequentEventsDisclosureAbstract_lbl1">Subsequent Events Disclosure [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsequentEventsDisclosureAbstract" xlink:to="byfc_SubsequentEventsDisclosureAbstract_lbl1" xlink:title="label: SubsequentEventsDisclosureAbstract to byfc_SubsequentEventsDisclosureAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_SubsequentEventsDisclosureAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_SubsequentEventsDisclosureAbstract_lbl2" xml:lang="en-US" id="byfc_SubsequentEventsDisclosureAbstract_lbl2">Subsequent Events [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsequentEventsDisclosureAbstract" xlink:to="byfc_SubsequentEventsDisclosureAbstract_lbl2" xlink:title="label: SubsequentEventsDisclosureAbstract to byfc_SubsequentEventsDisclosureAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_CustomerOneMember" xlink:label="CustomerOneMember" xlink:title="CustomerOneMember" />
    <link:label xlink:type="resource" xlink:label="byfc_CustomerOneMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_CustomerOneMember_lbl" xml:lang="en-US" id="byfc_CustomerOneMember_lbl">Customer that have significant amount of deposit with the entity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CustomerOneMember" xlink:to="byfc_CustomerOneMember_lbl" xlink:title="label: CustomerOneMember to byfc_CustomerOneMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_CustomerOneMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_CustomerOneMember_lbl1" xml:lang="en-US" id="byfc_CustomerOneMember_lbl1">Customer One [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CustomerOneMember" xlink:to="byfc_CustomerOneMember_lbl1" xlink:title="label: CustomerOneMember to byfc_CustomerOneMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_CustomerOneMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_CustomerOneMember_lbl2" xml:lang="en-US" id="byfc_CustomerOneMember_lbl2">Two Long-term Customers [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CustomerOneMember" xlink:to="byfc_CustomerOneMember_lbl2" xlink:title="label: CustomerOneMember to byfc_CustomerOneMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_ConcentrationPercentageAbstract" xlink:label="ConcentrationPercentageAbstract" xlink:title="ConcentrationPercentageAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_ConcentrationPercentageAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_ConcentrationPercentageAbstract_lbl1" xml:lang="en-US" id="byfc_ConcentrationPercentageAbstract_lbl1">Concentration Percentage [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConcentrationPercentageAbstract" xlink:to="byfc_ConcentrationPercentageAbstract_lbl1" xlink:title="label: ConcentrationPercentageAbstract to byfc_ConcentrationPercentageAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_ConcentrationPercentageAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="byfc_ConcentrationPercentageAbstract_lbl2" xml:lang="en-US" id="byfc_ConcentrationPercentageAbstract_lbl2">Concentration of Credit Risk [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConcentrationPercentageAbstract" xlink:to="byfc_ConcentrationPercentageAbstract_lbl2" xlink:title="label: ConcentrationPercentageAbstract to byfc_ConcentrationPercentageAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_NumberOfCustomersWithSignificantConcentrationRisks" xlink:label="NumberOfCustomersWithSignificantConcentrationRisks" xlink:title="NumberOfCustomersWithSignificantConcentrationRisks" />
    <link:label xlink:type="resource" xlink:label="byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl" xml:lang="en-US" id="byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl">The number of customers with a significant concentration risk.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfCustomersWithSignificantConcentrationRisks" xlink:to="byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl" xlink:title="label: NumberOfCustomersWithSignificantConcentrationRisks to byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl1" xml:lang="en-US" id="byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl1">Number of Customers with Significant Concentration Risks</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfCustomersWithSignificantConcentrationRisks" xlink:to="byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl1" xlink:title="label: NumberOfCustomersWithSignificantConcentrationRisks to byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl2" xml:lang="en-US" id="byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl2">Number of customers with significant concentration risk</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfCustomersWithSignificantConcentrationRisks" xlink:to="byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl2" xlink:title="label: NumberOfCustomersWithSignificantConcentrationRisks to byfc_NumberOfCustomersWithSignificantConcentrationRisks_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_DepositsTotalMember" xlink:label="DepositsTotalMember" xlink:title="DepositsTotalMember" />
    <link:label xlink:type="resource" xlink:label="byfc_DepositsTotalMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_DepositsTotalMember_lbl" xml:lang="en-US" id="byfc_DepositsTotalMember_lbl">Carrying amount as of the balance sheet date of total deposits, when it serves as a benchmark in a concentration of risk calculation. Sum of all reported deposits as of the balance sheet date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositsTotalMember" xlink:to="byfc_DepositsTotalMember_lbl" xlink:title="label: DepositsTotalMember to byfc_DepositsTotalMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_DepositsTotalMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_DepositsTotalMember_lbl1" xml:lang="en-US" id="byfc_DepositsTotalMember_lbl1">Deposits, Total [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositsTotalMember" xlink:to="byfc_DepositsTotalMember_lbl1" xlink:title="label: DepositsTotalMember to byfc_DepositsTotalMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_DepositsTotalMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_DepositsTotalMember_lbl2" xml:lang="en-US" id="byfc_DepositsTotalMember_lbl2">Deposits [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositsTotalMember" xlink:to="byfc_DepositsTotalMember_lbl2" xlink:title="label: DepositsTotalMember to byfc_DepositsTotalMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_WatchMember" xlink:label="WatchMember" xlink:title="WatchMember" />
    <link:label xlink:type="resource" xlink:label="byfc_WatchMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_WatchMember_lbl" xml:lang="en-US" id="byfc_WatchMember_lbl">Represents loans that exhibit weaknesses that could threaten the current net worth and paying capacity of the obligors. A watch rating is used when a material deficiency exists but correction is anticipated within an acceptable time frame.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WatchMember" xlink:to="byfc_WatchMember_lbl" xlink:title="label: WatchMember to byfc_WatchMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_WatchMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_WatchMember_lbl1" xml:lang="en-US" id="byfc_WatchMember_lbl1">Watch [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WatchMember" xlink:to="byfc_WatchMember_lbl1" xlink:title="label: WatchMember to byfc_WatchMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_WatchMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_WatchMember_lbl2" xml:lang="en-US" id="byfc_WatchMember_lbl2">Watch [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WatchMember" xlink:to="byfc_WatchMember_lbl2" xlink:title="label: WatchMember to byfc_WatchMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract" xlink:label="RiskGradeCategoryOfLoansByLoanTypeAbstract" xlink:title="RiskGradeCategoryOfLoansByLoanTypeAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract_lbl1" xml:lang="en-US" id="byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract_lbl1">Risk Grade Category of Loans by Loan Type [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RiskGradeCategoryOfLoansByLoanTypeAbstract" xlink:to="byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract_lbl1" xlink:title="label: RiskGradeCategoryOfLoansByLoanTypeAbstract to byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract_lbl2" xml:lang="en-US" id="byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract_lbl2">Risk Grade Category of Loans by Loan Type [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RiskGradeCategoryOfLoansByLoanTypeAbstract" xlink:to="byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract_lbl2" xlink:title="label: RiskGradeCategoryOfLoansByLoanTypeAbstract to byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock" xlink:label="FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock" xlink:title="FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl" xml:lang="en-US" id="byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl">Tabular disclosure of allowance for credit loss on financing receivable by loan type and based on impairment method.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock" xlink:to="byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl" xlink:title="label: FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock to byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl1" xml:lang="en-US" id="byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl1">Financing Receivable, Allowance for Credit Loss by Loan Type and Based on Impairment Method [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock" xlink:to="byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl1" xlink:title="label: FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock to byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl2" xml:lang="en-US" id="byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl2">Allowance for Loan Losses and Recorded Investment in Loans by Type of Loans and Based on Impairment Method</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock" xlink:to="byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl2" xlink:title="label: FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock to byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock" xlink:label="ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock" xlink:title="ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl" xml:lang="en-US" id="byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl">Tabular disclosure of the average recorded investment and related interest income for impaired financing receivables.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock" xlink:to="byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl" xlink:title="label: ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock to byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl1" xml:lang="en-US" id="byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl1">Impaired Loans Average Investment Interest Income [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock" xlink:to="byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl1" xlink:title="label: ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock to byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl2" xml:lang="en-US" id="byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl2">Average of Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock" xlink:to="byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl2" xlink:title="label: ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock to byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued" xlink:label="FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued" xlink:title="FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued" />
    <link:label xlink:type="resource" xlink:label="byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl" xml:lang="en-US" id="byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl">Period of interest income on loans to be discontinued, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued" xlink:to="byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl" xlink:title="label: FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued to byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl1" xml:lang="en-US" id="byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl1">Financing Receivable, Delinquency Period For Interest Income On Loans To Be Discontinued</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued" xlink:to="byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl1" xlink:title="label: FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued to byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl2" xml:lang="en-US" id="byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl2">Delinquency period for interest income to be discontinued on loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued" xlink:to="byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl2" xlink:title="label: FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued to byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_AccruedInterestPayableFairValueDisclosure" xlink:label="AccruedInterestPayableFairValueDisclosure" xlink:title="AccruedInterestPayableFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="byfc_AccruedInterestPayableFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_AccruedInterestPayableFairValueDisclosure_lbl" xml:lang="en-US" id="byfc_AccruedInterestPayableFairValueDisclosure_lbl">Fair value portion of accrued interest payable.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccruedInterestPayableFairValueDisclosure" xlink:to="byfc_AccruedInterestPayableFairValueDisclosure_lbl" xlink:title="label: AccruedInterestPayableFairValueDisclosure to byfc_AccruedInterestPayableFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_AccruedInterestPayableFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_AccruedInterestPayableFairValueDisclosure_lbl1" xml:lang="en-US" id="byfc_AccruedInterestPayableFairValueDisclosure_lbl1">Accrued Interest Payable Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccruedInterestPayableFairValueDisclosure" xlink:to="byfc_AccruedInterestPayableFairValueDisclosure_lbl1" xlink:title="label: AccruedInterestPayableFairValueDisclosure to byfc_AccruedInterestPayableFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_AccruedInterestPayableFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_AccruedInterestPayableFairValueDisclosure_lbl2" xml:lang="en-US" id="byfc_AccruedInterestPayableFairValueDisclosure_lbl2">Accrued interest payable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccruedInterestPayableFairValueDisclosure" xlink:to="byfc_AccruedInterestPayableFairValueDisclosure_lbl2" xlink:title="label: AccruedInterestPayableFairValueDisclosure to byfc_AccruedInterestPayableFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_AccruedInterestReceivableFairValueDisclosure" xlink:label="AccruedInterestReceivableFairValueDisclosure" xlink:title="AccruedInterestReceivableFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="byfc_AccruedInterestReceivableFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_AccruedInterestReceivableFairValueDisclosure_lbl" xml:lang="en-US" id="byfc_AccruedInterestReceivableFairValueDisclosure_lbl">Fair value portion of interest earned but not received.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccruedInterestReceivableFairValueDisclosure" xlink:to="byfc_AccruedInterestReceivableFairValueDisclosure_lbl" xlink:title="label: AccruedInterestReceivableFairValueDisclosure to byfc_AccruedInterestReceivableFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_AccruedInterestReceivableFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_AccruedInterestReceivableFairValueDisclosure_lbl1" xml:lang="en-US" id="byfc_AccruedInterestReceivableFairValueDisclosure_lbl1">Accrued Interest Receivable Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccruedInterestReceivableFairValueDisclosure" xlink:to="byfc_AccruedInterestReceivableFairValueDisclosure_lbl1" xlink:title="label: AccruedInterestReceivableFairValueDisclosure to byfc_AccruedInterestReceivableFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_AccruedInterestReceivableFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_AccruedInterestReceivableFairValueDisclosure_lbl2" xml:lang="en-US" id="byfc_AccruedInterestReceivableFairValueDisclosure_lbl2">Accrued interest receivable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccruedInterestReceivableFairValueDisclosure" xlink:to="byfc_AccruedInterestReceivableFairValueDisclosure_lbl2" xlink:title="label: AccruedInterestReceivableFairValueDisclosure to byfc_AccruedInterestReceivableFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_BankOwnedLifeInsuranceFairValueDisclosure" xlink:label="BankOwnedLifeInsuranceFairValueDisclosure" xlink:title="BankOwnedLifeInsuranceFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl" xml:lang="en-US" id="byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl">Fair value portion of life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankOwnedLifeInsuranceFairValueDisclosure" xlink:to="byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl" xlink:title="label: BankOwnedLifeInsuranceFairValueDisclosure to byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl1" xml:lang="en-US" id="byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl1">Bank Owned Life Insurance Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankOwnedLifeInsuranceFairValueDisclosure" xlink:to="byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl1" xlink:title="label: BankOwnedLifeInsuranceFairValueDisclosure to byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl2" xml:lang="en-US" id="byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl2">Bank owned life insurance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankOwnedLifeInsuranceFairValueDisclosure" xlink:to="byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl2" xlink:title="label: BankOwnedLifeInsuranceFairValueDisclosure to byfc_BankOwnedLifeInsuranceFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_RightOfUseAssetsMember" xlink:label="RightOfUseAssetsMember" xlink:title="RightOfUseAssetsMember" />
    <link:label xlink:type="resource" xlink:label="byfc_RightOfUseAssetsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_RightOfUseAssetsMember_lbl" xml:lang="en-US" id="byfc_RightOfUseAssetsMember_lbl">Represents the information pertaining to right of use assets.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RightOfUseAssetsMember" xlink:to="byfc_RightOfUseAssetsMember_lbl" xlink:title="label: RightOfUseAssetsMember to byfc_RightOfUseAssetsMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_RightOfUseAssetsMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_RightOfUseAssetsMember_lbl1" xml:lang="en-US" id="byfc_RightOfUseAssetsMember_lbl1">Right Of Use Assets [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RightOfUseAssetsMember" xlink:to="byfc_RightOfUseAssetsMember_lbl1" xlink:title="label: RightOfUseAssetsMember to byfc_RightOfUseAssetsMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_RightOfUseAssetsMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_RightOfUseAssetsMember_lbl2" xml:lang="en-US" id="byfc_RightOfUseAssetsMember_lbl2">Rights of Use Assets [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RightOfUseAssetsMember" xlink:to="byfc_RightOfUseAssetsMember_lbl2" xlink:title="label: RightOfUseAssetsMember to byfc_RightOfUseAssetsMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract" xlink:label="LoansReceivableHeldForInvestmentNonAccrualLoansAbstract" xlink:title="LoansReceivableHeldForInvestmentNonAccrualLoansAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract_lbl1" xml:lang="en-US" id="byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract_lbl1">Loans Receivable Held for Investment, Non-accrual Loans [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansReceivableHeldForInvestmentNonAccrualLoansAbstract" xlink:to="byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract_lbl1" xlink:title="label: LoansReceivableHeldForInvestmentNonAccrualLoansAbstract to byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract_lbl2" xml:lang="en-US" id="byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract_lbl2">Loans Receivable Held for Investment [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansReceivableHeldForInvestmentNonAccrualLoansAbstract" xlink:to="byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract_lbl2" xlink:title="label: LoansReceivableHeldForInvestmentNonAccrualLoansAbstract to byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_CapitalConservationBufferInPercentage" xlink:label="CapitalConservationBufferInPercentage" xlink:title="CapitalConservationBufferInPercentage" />
    <link:label xlink:type="resource" xlink:label="byfc_CapitalConservationBufferInPercentage_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_CapitalConservationBufferInPercentage_lbl" xml:lang="en-US" id="byfc_CapitalConservationBufferInPercentage_lbl">The information pertaining to capital conservation buffer percentage.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalConservationBufferInPercentage" xlink:to="byfc_CapitalConservationBufferInPercentage_lbl" xlink:title="label: CapitalConservationBufferInPercentage to byfc_CapitalConservationBufferInPercentage_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_CapitalConservationBufferInPercentage_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_CapitalConservationBufferInPercentage_lbl1" xml:lang="en-US" id="byfc_CapitalConservationBufferInPercentage_lbl1">Capital Conservation Buffer in Percentage</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalConservationBufferInPercentage" xlink:to="byfc_CapitalConservationBufferInPercentage_lbl1" xlink:title="label: CapitalConservationBufferInPercentage to byfc_CapitalConservationBufferInPercentage_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_CapitalConservationBufferInPercentage_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_CapitalConservationBufferInPercentage_lbl2" xml:lang="en-US" id="byfc_CapitalConservationBufferInPercentage_lbl2">Capital conservation buffer percentage</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalConservationBufferInPercentage" xlink:to="byfc_CapitalConservationBufferInPercentage_lbl2" xlink:title="label: CapitalConservationBufferInPercentage to byfc_CapitalConservationBufferInPercentage_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_ConservationBufferRuleSubsequentTo2016Member" xlink:label="ConservationBufferRuleSubsequentTo2016Member" xlink:title="ConservationBufferRuleSubsequentTo2016Member" />
    <link:label xlink:type="resource" xlink:label="byfc_ConservationBufferRuleSubsequentTo2016Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_ConservationBufferRuleSubsequentTo2016Member_lbl" xml:lang="en-US" id="byfc_ConservationBufferRuleSubsequentTo2016Member_lbl">Details about the Conservation Buffer Rule subsequent to 2016.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConservationBufferRuleSubsequentTo2016Member" xlink:to="byfc_ConservationBufferRuleSubsequentTo2016Member_lbl" xlink:title="label: ConservationBufferRuleSubsequentTo2016Member to byfc_ConservationBufferRuleSubsequentTo2016Member_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_ConservationBufferRuleSubsequentTo2016Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_ConservationBufferRuleSubsequentTo2016Member_lbl1" xml:lang="en-US" id="byfc_ConservationBufferRuleSubsequentTo2016Member_lbl1">Conservation Buffer Rule Subsequent to 2016 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConservationBufferRuleSubsequentTo2016Member" xlink:to="byfc_ConservationBufferRuleSubsequentTo2016Member_lbl1" xlink:title="label: ConservationBufferRuleSubsequentTo2016Member to byfc_ConservationBufferRuleSubsequentTo2016Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_ConservationBufferRuleSubsequentTo2016Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_ConservationBufferRuleSubsequentTo2016Member_lbl2" xml:lang="en-US" id="byfc_ConservationBufferRuleSubsequentTo2016Member_lbl2">Conservation Buffer Rule Subsequent To 2016 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConservationBufferRuleSubsequentTo2016Member" xlink:to="byfc_ConservationBufferRuleSubsequentTo2016Member_lbl2" xlink:title="label: ConservationBufferRuleSubsequentTo2016Member to byfc_ConservationBufferRuleSubsequentTo2016Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_CapitalConservationBufferAnnualIncrease" xlink:label="CapitalConservationBufferAnnualIncrease" xlink:title="CapitalConservationBufferAnnualIncrease" />
    <link:label xlink:type="resource" xlink:label="byfc_CapitalConservationBufferAnnualIncrease_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_CapitalConservationBufferAnnualIncrease_lbl" xml:lang="en-US" id="byfc_CapitalConservationBufferAnnualIncrease_lbl">The annual increase in the capital conservation buffer rule percentage until the rule minimum percentage is achieved.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalConservationBufferAnnualIncrease" xlink:to="byfc_CapitalConservationBufferAnnualIncrease_lbl" xlink:title="label: CapitalConservationBufferAnnualIncrease to byfc_CapitalConservationBufferAnnualIncrease_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_CapitalConservationBufferAnnualIncrease_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_CapitalConservationBufferAnnualIncrease_lbl1" xml:lang="en-US" id="byfc_CapitalConservationBufferAnnualIncrease_lbl1">Capital Conservation Buffer Annual Increase</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalConservationBufferAnnualIncrease" xlink:to="byfc_CapitalConservationBufferAnnualIncrease_lbl1" xlink:title="label: CapitalConservationBufferAnnualIncrease to byfc_CapitalConservationBufferAnnualIncrease_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_CapitalConservationBufferAnnualIncrease_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_CapitalConservationBufferAnnualIncrease_lbl2" xml:lang="en-US" id="byfc_CapitalConservationBufferAnnualIncrease_lbl2">Capital conservation buffer annual increase percentage</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalConservationBufferAnnualIncrease" xlink:to="byfc_CapitalConservationBufferAnnualIncrease_lbl2" xlink:title="label: CapitalConservationBufferAnnualIncrease to byfc_CapitalConservationBufferAnnualIncrease_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_CapitalRegulatoryMattersAbstract" xlink:label="CapitalRegulatoryMattersAbstract" xlink:title="CapitalRegulatoryMattersAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_CapitalRegulatoryMattersAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_CapitalRegulatoryMattersAbstract_lbl1" xml:lang="en-US" id="byfc_CapitalRegulatoryMattersAbstract_lbl1">Capital Regulatory Matters [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalRegulatoryMattersAbstract" xlink:to="byfc_CapitalRegulatoryMattersAbstract_lbl1" xlink:title="label: CapitalRegulatoryMattersAbstract to byfc_CapitalRegulatoryMattersAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_CapitalRegulatoryMattersAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_CapitalRegulatoryMattersAbstract_lbl2" xml:lang="en-US" id="byfc_CapitalRegulatoryMattersAbstract_lbl2">Regulatory Matters [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalRegulatoryMattersAbstract" xlink:to="byfc_CapitalRegulatoryMattersAbstract_lbl2" xlink:title="label: CapitalRegulatoryMattersAbstract to byfc_CapitalRegulatoryMattersAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_ConservationBufferRuleStartingJanuary2016Member" xlink:label="ConservationBufferRuleStartingJanuary2016Member" xlink:title="ConservationBufferRuleStartingJanuary2016Member" />
    <link:label xlink:type="resource" xlink:label="byfc_ConservationBufferRuleStartingJanuary2016Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_ConservationBufferRuleStartingJanuary2016Member_lbl" xml:lang="en-US" id="byfc_ConservationBufferRuleStartingJanuary2016Member_lbl">Details regarding the Conservation Buffer Rule starting in January 2016.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConservationBufferRuleStartingJanuary2016Member" xlink:to="byfc_ConservationBufferRuleStartingJanuary2016Member_lbl" xlink:title="label: ConservationBufferRuleStartingJanuary2016Member to byfc_ConservationBufferRuleStartingJanuary2016Member_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_ConservationBufferRuleStartingJanuary2016Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_ConservationBufferRuleStartingJanuary2016Member_lbl1" xml:lang="en-US" id="byfc_ConservationBufferRuleStartingJanuary2016Member_lbl1">Conservation Buffer Rule Starting January 2016 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConservationBufferRuleStartingJanuary2016Member" xlink:to="byfc_ConservationBufferRuleStartingJanuary2016Member_lbl1" xlink:title="label: ConservationBufferRuleStartingJanuary2016Member to byfc_ConservationBufferRuleStartingJanuary2016Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_ConservationBufferRuleStartingJanuary2016Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_ConservationBufferRuleStartingJanuary2016Member_lbl2" xml:lang="en-US" id="byfc_ConservationBufferRuleStartingJanuary2016Member_lbl2">Conservation Buffer Rule Starting January 2016 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConservationBufferRuleStartingJanuary2016Member" xlink:to="byfc_ConservationBufferRuleStartingJanuary2016Member_lbl2" xlink:title="label: ConservationBufferRuleStartingJanuary2016Member to byfc_ConservationBufferRuleStartingJanuary2016Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_RegulatoryMattersActualAbstract" xlink:label="RegulatoryMattersActualAbstract" xlink:title="RegulatoryMattersActualAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_RegulatoryMattersActualAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_RegulatoryMattersActualAbstract_lbl1" xml:lang="en-US" id="byfc_RegulatoryMattersActualAbstract_lbl1">Regulatory Matters, Actual [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RegulatoryMattersActualAbstract" xlink:to="byfc_RegulatoryMattersActualAbstract_lbl1" xlink:title="label: RegulatoryMattersActualAbstract to byfc_RegulatoryMattersActualAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_RegulatoryMattersActualAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_RegulatoryMattersActualAbstract_lbl2" xml:lang="en-US" id="byfc_RegulatoryMattersActualAbstract_lbl2">Actual [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RegulatoryMattersActualAbstract" xlink:to="byfc_RegulatoryMattersActualAbstract_lbl2" xlink:title="label: RegulatoryMattersActualAbstract to byfc_RegulatoryMattersActualAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract" xlink:label="RegulatoryMattersMinimumCapitalRequirementsAbstract" xlink:title="RegulatoryMattersMinimumCapitalRequirementsAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract_lbl1" xml:lang="en-US" id="byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract_lbl1">Regulatory Matters, Minimum Capital Requirements [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RegulatoryMattersMinimumCapitalRequirementsAbstract" xlink:to="byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract_lbl1" xlink:title="label: RegulatoryMattersMinimumCapitalRequirementsAbstract to byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract_lbl2" xml:lang="en-US" id="byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract_lbl2">Minimum Capital Requirements [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RegulatoryMattersMinimumCapitalRequirementsAbstract" xlink:to="byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract_lbl2" xlink:title="label: RegulatoryMattersMinimumCapitalRequirementsAbstract to byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract" xlink:label="RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract" xlink:title="RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract_lbl1" xml:lang="en-US" id="byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract_lbl1">Regulatory Matters, Minimum Required to be Well Capitalized under Prompt Corrective Action Provisions [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract" xlink:to="byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract_lbl1" xlink:title="label: RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract to byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract_lbl2" xml:lang="en-US" id="byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract_lbl2">Minimum Required To Be Well Capitalized Under Prompt Corrective Action Provisions [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract" xlink:to="byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract_lbl2" xlink:title="label: RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract to byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_ConservationBufferRuleMember" xlink:label="ConservationBufferRuleMember" xlink:title="ConservationBufferRuleMember" />
    <link:label xlink:type="resource" xlink:label="byfc_ConservationBufferRuleMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_ConservationBufferRuleMember_lbl" xml:lang="en-US" id="byfc_ConservationBufferRuleMember_lbl">Details about the conservation buffer rule under the Dodd-Frank act.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConservationBufferRuleMember" xlink:to="byfc_ConservationBufferRuleMember_lbl" xlink:title="label: ConservationBufferRuleMember to byfc_ConservationBufferRuleMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_ConservationBufferRuleMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_ConservationBufferRuleMember_lbl1" xml:lang="en-US" id="byfc_ConservationBufferRuleMember_lbl1">Conservation Buffer Rule [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConservationBufferRuleMember" xlink:to="byfc_ConservationBufferRuleMember_lbl1" xlink:title="label: ConservationBufferRuleMember to byfc_ConservationBufferRuleMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_ConservationBufferRuleMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_ConservationBufferRuleMember_lbl2" xml:lang="en-US" id="byfc_ConservationBufferRuleMember_lbl2">Conservation Buffer Rule [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConservationBufferRuleMember" xlink:to="byfc_ConservationBufferRuleMember_lbl2" xlink:title="label: ConservationBufferRuleMember to byfc_ConservationBufferRuleMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LoansInterestRate" xlink:label="LoansInterestRate" xlink:title="LoansInterestRate" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansInterestRate_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_LoansInterestRate_lbl" xml:lang="en-US" id="byfc_LoansInterestRate_lbl">The initial interest rate related to loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansInterestRate" xlink:to="byfc_LoansInterestRate_lbl" xlink:title="label: LoansInterestRate to byfc_LoansInterestRate_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansInterestRate_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_LoansInterestRate_lbl1" xml:lang="en-US" id="byfc_LoansInterestRate_lbl1">Loans Interest Rate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansInterestRate" xlink:to="byfc_LoansInterestRate_lbl1" xlink:title="label: LoansInterestRate to byfc_LoansInterestRate_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansInterestRate_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_LoansInterestRate_lbl2" xml:lang="en-US" id="byfc_LoansInterestRate_lbl2">Initial interest rate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansInterestRate" xlink:to="byfc_LoansInterestRate_lbl2" xlink:title="label: LoansInterestRate to byfc_LoansInterestRate_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LoanCommitmentPeriod" xlink:label="LoanCommitmentPeriod" xlink:title="LoanCommitmentPeriod" />
    <link:label xlink:type="resource" xlink:label="byfc_LoanCommitmentPeriod_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_LoanCommitmentPeriod_lbl" xml:lang="en-US" id="byfc_LoanCommitmentPeriod_lbl">The period for which the entity makes commitments to make loans, in PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoanCommitmentPeriod" xlink:to="byfc_LoanCommitmentPeriod_lbl" xlink:title="label: LoanCommitmentPeriod to byfc_LoanCommitmentPeriod_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_LoanCommitmentPeriod_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_LoanCommitmentPeriod_lbl1" xml:lang="en-US" id="byfc_LoanCommitmentPeriod_lbl1">Loan Commitment Period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoanCommitmentPeriod" xlink:to="byfc_LoanCommitmentPeriod_lbl1" xlink:title="label: LoanCommitmentPeriod to byfc_LoanCommitmentPeriod_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_LoanCommitmentPeriod_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_LoanCommitmentPeriod_lbl2" xml:lang="en-US" id="byfc_LoanCommitmentPeriod_lbl2">Loan commitment period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoanCommitmentPeriod" xlink:to="byfc_LoanCommitmentPeriod_lbl2" xlink:title="label: LoanCommitmentPeriod to byfc_LoanCommitmentPeriod_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_NumberOfLoanCommitments" xlink:label="NumberOfLoanCommitments" xlink:title="NumberOfLoanCommitments" />
    <link:label xlink:type="resource" xlink:label="byfc_NumberOfLoanCommitments_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_NumberOfLoanCommitments_lbl" xml:lang="en-US" id="byfc_NumberOfLoanCommitments_lbl">The number of loan commitments as of balance sheet date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfLoanCommitments" xlink:to="byfc_NumberOfLoanCommitments_lbl" xlink:title="label: NumberOfLoanCommitments to byfc_NumberOfLoanCommitments_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_NumberOfLoanCommitments_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_NumberOfLoanCommitments_lbl1" xml:lang="en-US" id="byfc_NumberOfLoanCommitments_lbl1">Number of Loan Commitments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfLoanCommitments" xlink:to="byfc_NumberOfLoanCommitments_lbl1" xlink:title="label: NumberOfLoanCommitments to byfc_NumberOfLoanCommitments_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_NumberOfLoanCommitments_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_NumberOfLoanCommitments_lbl2" xml:lang="en-US" id="byfc_NumberOfLoanCommitments_lbl2">Number of loan commitments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfLoanCommitments" xlink:to="byfc_NumberOfLoanCommitments_lbl2" xlink:title="label: NumberOfLoanCommitments to byfc_NumberOfLoanCommitments_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LoanPeriodOfInitialInterestRateTerm" xlink:label="LoanPeriodOfInitialInterestRateTerm" xlink:title="LoanPeriodOfInitialInterestRateTerm" />
    <link:label xlink:type="resource" xlink:label="byfc_LoanPeriodOfInitialInterestRateTerm_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_LoanPeriodOfInitialInterestRateTerm_lbl" xml:lang="en-US" id="byfc_LoanPeriodOfInitialInterestRateTerm_lbl">The initial period for which the specified interest rate is applicable under commitments to make loans, in PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoanPeriodOfInitialInterestRateTerm" xlink:to="byfc_LoanPeriodOfInitialInterestRateTerm_lbl" xlink:title="label: LoanPeriodOfInitialInterestRateTerm to byfc_LoanPeriodOfInitialInterestRateTerm_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_LoanPeriodOfInitialInterestRateTerm_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_LoanPeriodOfInitialInterestRateTerm_lbl1" xml:lang="en-US" id="byfc_LoanPeriodOfInitialInterestRateTerm_lbl1">Loan Period of Initial Interest Rate Term</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoanPeriodOfInitialInterestRateTerm" xlink:to="byfc_LoanPeriodOfInitialInterestRateTerm_lbl1" xlink:title="label: LoanPeriodOfInitialInterestRateTerm to byfc_LoanPeriodOfInitialInterestRateTerm_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_LoanPeriodOfInitialInterestRateTerm_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_LoanPeriodOfInitialInterestRateTerm_lbl2" xml:lang="en-US" id="byfc_LoanPeriodOfInitialInterestRateTerm_lbl2">Loan period of initial interest rate term</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoanPeriodOfInitialInterestRateTerm" xlink:to="byfc_LoanPeriodOfInitialInterestRateTerm_lbl2" xlink:title="label: LoanPeriodOfInitialInterestRateTerm to byfc_LoanPeriodOfInitialInterestRateTerm_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_CommitmentsLoansAbstract" xlink:label="CommitmentsLoansAbstract" xlink:title="CommitmentsLoansAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_CommitmentsLoansAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_CommitmentsLoansAbstract_lbl1" xml:lang="en-US" id="byfc_CommitmentsLoansAbstract_lbl1">Commitments Loans [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommitmentsLoansAbstract" xlink:to="byfc_CommitmentsLoansAbstract_lbl1" xlink:title="label: CommitmentsLoansAbstract to byfc_CommitmentsLoansAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_CommitmentsLoansAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_CommitmentsLoansAbstract_lbl2" xml:lang="en-US" id="byfc_CommitmentsLoansAbstract_lbl2">Commitments Loans [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommitmentsLoansAbstract" xlink:to="byfc_CommitmentsLoansAbstract_lbl2" xlink:title="label: CommitmentsLoansAbstract to byfc_CommitmentsLoansAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_AffordableHousingLimitedPartnershipMember" xlink:label="AffordableHousingLimitedPartnershipMember" xlink:title="AffordableHousingLimitedPartnershipMember" />
    <link:label xlink:type="resource" xlink:label="byfc_AffordableHousingLimitedPartnershipMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_AffordableHousingLimitedPartnershipMember_lbl" xml:lang="en-US" id="byfc_AffordableHousingLimitedPartnershipMember_lbl">Represents information pertaining to affordable housing limited partnerships.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AffordableHousingLimitedPartnershipMember" xlink:to="byfc_AffordableHousingLimitedPartnershipMember_lbl" xlink:title="label: AffordableHousingLimitedPartnershipMember to byfc_AffordableHousingLimitedPartnershipMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_AffordableHousingLimitedPartnershipMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_AffordableHousingLimitedPartnershipMember_lbl1" xml:lang="en-US" id="byfc_AffordableHousingLimitedPartnershipMember_lbl1">Affordable Housing Limited Partnership [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AffordableHousingLimitedPartnershipMember" xlink:to="byfc_AffordableHousingLimitedPartnershipMember_lbl1" xlink:title="label: AffordableHousingLimitedPartnershipMember to byfc_AffordableHousingLimitedPartnershipMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_AffordableHousingLimitedPartnershipMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_AffordableHousingLimitedPartnershipMember_lbl2" xml:lang="en-US" id="byfc_AffordableHousingLimitedPartnershipMember_lbl2">Affordable Housing Limited Partnership [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AffordableHousingLimitedPartnershipMember" xlink:to="byfc_AffordableHousingLimitedPartnershipMember_lbl2" xlink:title="label: AffordableHousingLimitedPartnershipMember to byfc_AffordableHousingLimitedPartnershipMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract" xlink:label="InvestmentInAffordableHousingLimitedPartnershipAbstract" xlink:title="InvestmentInAffordableHousingLimitedPartnershipAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract_lbl1" xml:lang="en-US" id="byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract_lbl1">Investment in Affordable Housing Limited Partnership [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentInAffordableHousingLimitedPartnershipAbstract" xlink:to="byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract_lbl1" xlink:title="label: InvestmentInAffordableHousingLimitedPartnershipAbstract to byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract_lbl2" xml:lang="en-US" id="byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract_lbl2">Investment in Affordable Housing Limited Partnership [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentInAffordableHousingLimitedPartnershipAbstract" xlink:to="byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract_lbl2" xlink:title="label: InvestmentInAffordableHousingLimitedPartnershipAbstract to byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LoansAndLeasesReceivableAbstract" xlink:label="LoansAndLeasesReceivableAbstract" xlink:title="LoansAndLeasesReceivableAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansAndLeasesReceivableAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_LoansAndLeasesReceivableAbstract_lbl1" xml:lang="en-US" id="byfc_LoansAndLeasesReceivableAbstract_lbl1">Loans and Leases Receivable [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableAbstract" xlink:to="byfc_LoansAndLeasesReceivableAbstract_lbl1" xlink:title="label: LoansAndLeasesReceivableAbstract to byfc_LoansAndLeasesReceivableAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansAndLeasesReceivableAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_LoansAndLeasesReceivableAbstract_lbl2" xml:lang="en-US" id="byfc_LoansAndLeasesReceivableAbstract_lbl2">Loans [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableAbstract" xlink:to="byfc_LoansAndLeasesReceivableAbstract_lbl2" xlink:title="label: LoansAndLeasesReceivableAbstract to byfc_LoansAndLeasesReceivableAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_EndingAllowanceAttributableToLoansAbstract" xlink:label="EndingAllowanceAttributableToLoansAbstract" xlink:title="EndingAllowanceAttributableToLoansAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_EndingAllowanceAttributableToLoansAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_EndingAllowanceAttributableToLoansAbstract_lbl1" xml:lang="en-US" id="byfc_EndingAllowanceAttributableToLoansAbstract_lbl1">Ending Allowance Attributable to Loans [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EndingAllowanceAttributableToLoansAbstract" xlink:to="byfc_EndingAllowanceAttributableToLoansAbstract_lbl1" xlink:title="label: EndingAllowanceAttributableToLoansAbstract to byfc_EndingAllowanceAttributableToLoansAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_EndingAllowanceAttributableToLoansAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_EndingAllowanceAttributableToLoansAbstract_lbl2" xml:lang="en-US" id="byfc_EndingAllowanceAttributableToLoansAbstract_lbl2">Ending Allowance Balance Attributable to Loans [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_ScheduleOfContractualAmountsOffBalanceSheetRisksTableTextBlock" xlink:label="ScheduleOfContractualAmountsOffBalanceSheetRisksTableTextBlock" xlink:title="ScheduleOfContractualAmountsOffBalanceSheetRisksTableTextBlock" />
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_PendingAcquisitionDisclosureAbstract" xlink:label="PendingAcquisitionDisclosureAbstract" xlink:title="PendingAcquisitionDisclosureAbstract" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PendingAcquisitionDisclosureAbstract" xlink:to="byfc_PendingAcquisitionDisclosureAbstract_lbl2" xlink:title="label: PendingAcquisitionDisclosureAbstract to byfc_PendingAcquisitionDisclosureAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_BusinessAcquisitionProFormaInterestIncomeExpenseNet" xlink:label="BusinessAcquisitionProFormaInterestIncomeExpenseNet" xlink:title="BusinessAcquisitionProFormaInterestIncomeExpenseNet" />
    <link:label xlink:type="resource" xlink:label="byfc_BusinessAcquisitionProFormaInterestIncomeExpenseNet_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_BusinessAcquisitionProFormaInterestIncomeExpenseNet_lbl" xml:lang="en-US" id="byfc_BusinessAcquisitionProFormaInterestIncomeExpenseNet_lbl">The pro forma net amount of operating interest income (expense). for the period as if the business combination or combinations had been completed at the beginning of a period.</link:label>
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_CityFirstMember" xlink:label="CityFirstMember" xlink:title="CityFirstMember" />
    <link:label xlink:type="resource" xlink:label="byfc_CityFirstMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_CityFirstMember_lbl" xml:lang="en-US" id="byfc_CityFirstMember_lbl">The entity with which the company entered into merger agreement. It is an impact driven commercial community development finance provider comprised of a nationally chartered commercial bank.</link:label>
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_FurnitureFixtureAndEquipmentMember" xlink:label="FurnitureFixtureAndEquipmentMember" xlink:title="FurnitureFixtureAndEquipmentMember" />
    <link:label xlink:type="resource" xlink:label="byfc_FurnitureFixtureAndEquipmentMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_FurnitureFixtureAndEquipmentMember_lbl" xml:lang="en-US" id="byfc_FurnitureFixtureAndEquipmentMember_lbl">Equipment commonly used in offices and stores, which have no permanent connection to the structure of a building or utilities, for example desks, chairs, tables and bookcases, and tangible personal property used in an office setting, for example computers, copiers and fax machines.</link:label>
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_AssetsMeasuredOnRecurringBasisAbstract" xlink:label="AssetsMeasuredOnRecurringBasisAbstract" xlink:title="AssetsMeasuredOnRecurringBasisAbstract" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsMeasuredOnRecurringBasisAbstract" xlink:to="byfc_AssetsMeasuredOnRecurringBasisAbstract_lbl1" xlink:title="label: AssetsMeasuredOnRecurringBasisAbstract to byfc_AssetsMeasuredOnRecurringBasisAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions" xlink:label="LesseeOperatingLeaseNumberOfLeaseExtensionOptions" xlink:title="LesseeOperatingLeaseNumberOfLeaseExtensionOptions" />
    <link:label xlink:type="resource" xlink:label="byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions_lbl" xml:lang="en-US" id="byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions_lbl">The number of times the Company may opt to extend an operating lease, as defined in the lease agreement.</link:label>
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    <link:label xlink:type="resource" xlink:label="byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions_lbl1" xml:lang="en-US" id="byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions_lbl1">Lessee, Operating Lease, Number of Lease Extension Options</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LesseeOperatingLeaseNumberOfLeaseExtensionOptions" xlink:to="byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions_lbl1" xlink:title="label: LesseeOperatingLeaseNumberOfLeaseExtensionOptions to byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions_lbl1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LesseeOperatingLeaseNumberOfLeaseExtensionOptions" xlink:to="byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions_lbl2" xlink:title="label: LesseeOperatingLeaseNumberOfLeaseExtensionOptions to byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithRelatedAllowanceAbstract" xlink:label="LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithRelatedAllowanceAbstract" xlink:title="LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithRelatedAllowanceAbstract" />
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansAbstract" xlink:label="LoansIndividuallyEvaluatedForImpairmentByClassOfLoansAbstract" xlink:title="LoansIndividuallyEvaluatedForImpairmentByClassOfLoansAbstract" />
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm" xlink:label="AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm" xlink:title="AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm" xlink:to="byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm_lbl" xlink:title="label: AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm to byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm_lbl1" xml:lang="en-US" id="byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm_lbl1">Allowance for Loan Losses Determination of Historical Loss Component Term</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm" xlink:to="byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm_lbl1" xlink:title="label: AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm to byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm_lbl2" xml:lang="en-US" id="byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm_lbl2">Length of period over which historical loss experience is determined</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm" xlink:to="byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm_lbl2" xlink:title="label: AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm to byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LoansPurchasedAbstract" xlink:label="LoansPurchasedAbstract" xlink:title="LoansPurchasedAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansPurchasedAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_LoansPurchasedAbstract_lbl1" xml:lang="en-US" id="byfc_LoansPurchasedAbstract_lbl1">Loans Purchased [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansPurchasedAbstract" xlink:to="byfc_LoansPurchasedAbstract_lbl1" xlink:title="label: LoansPurchasedAbstract to byfc_LoansPurchasedAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansPurchasedAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_LoansPurchasedAbstract_lbl2" xml:lang="en-US" id="byfc_LoansPurchasedAbstract_lbl2">Loans Purchased [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansPurchasedAbstract" xlink:to="byfc_LoansPurchasedAbstract_lbl2" xlink:title="label: LoansPurchasedAbstract to byfc_LoansPurchasedAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_AssetsMeasuredOnNonRecurringBasisAbstract" xlink:label="AssetsMeasuredOnNonRecurringBasisAbstract" xlink:title="AssetsMeasuredOnNonRecurringBasisAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_AssetsMeasuredOnNonRecurringBasisAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_AssetsMeasuredOnNonRecurringBasisAbstract_lbl1" xml:lang="en-US" id="byfc_AssetsMeasuredOnNonRecurringBasisAbstract_lbl1">Assets Measured on Non-Recurring Basis [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsMeasuredOnNonRecurringBasisAbstract" xlink:to="byfc_AssetsMeasuredOnNonRecurringBasisAbstract_lbl1" xlink:title="label: AssetsMeasuredOnNonRecurringBasisAbstract to byfc_AssetsMeasuredOnNonRecurringBasisAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_AssetsMeasuredOnNonRecurringBasisAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_AssetsMeasuredOnNonRecurringBasisAbstract_lbl2" xml:lang="en-US" id="byfc_AssetsMeasuredOnNonRecurringBasisAbstract_lbl2">Assets Measured on Non-Recurring Basis [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsMeasuredOnNonRecurringBasisAbstract" xlink:to="byfc_AssetsMeasuredOnNonRecurringBasisAbstract_lbl2" xlink:title="label: AssetsMeasuredOnNonRecurringBasisAbstract to byfc_AssetsMeasuredOnNonRecurringBasisAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_ImpairedLoansMember" xlink:label="ImpairedLoansMember" xlink:title="ImpairedLoansMember" />
    <link:label xlink:type="resource" xlink:label="byfc_ImpairedLoansMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_ImpairedLoansMember_lbl" xml:lang="en-US" id="byfc_ImpairedLoansMember_lbl">Loans for which it is probable that not all amounts due according to the contractual terms of the loan arrangement will be collected, and which have been written down to the fair value of the collateral on the loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansMember" xlink:to="byfc_ImpairedLoansMember_lbl" xlink:title="label: ImpairedLoansMember to byfc_ImpairedLoansMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_ImpairedLoansMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_ImpairedLoansMember_lbl1" xml:lang="en-US" id="byfc_ImpairedLoansMember_lbl1">Impaired Loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansMember" xlink:to="byfc_ImpairedLoansMember_lbl1" xlink:title="label: ImpairedLoansMember to byfc_ImpairedLoansMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_ImpairedLoansMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_ImpairedLoansMember_lbl2" xml:lang="en-US" id="byfc_ImpairedLoansMember_lbl2">Impaired Loans Carried at Fair Value of Collateral [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansMember" xlink:to="byfc_ImpairedLoansMember_lbl2" xlink:title="label: ImpairedLoansMember to byfc_ImpairedLoansMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_TwoThousandEighteenLtipMember" xlink:label="TwoThousandEighteenLtipMember" xlink:title="TwoThousandEighteenLtipMember" />
    <link:label xlink:type="resource" xlink:label="byfc_TwoThousandEighteenLtipMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_TwoThousandEighteenLtipMember_lbl" xml:lang="en-US" id="byfc_TwoThousandEighteenLtipMember_lbl">Represents the entity's 2018 Long-Term Incentive Plan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TwoThousandEighteenLtipMember" xlink:to="byfc_TwoThousandEighteenLtipMember_lbl" xlink:title="label: TwoThousandEighteenLtipMember to byfc_TwoThousandEighteenLtipMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_TwoThousandEighteenLtipMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_TwoThousandEighteenLtipMember_lbl1" xml:lang="en-US" id="byfc_TwoThousandEighteenLtipMember_lbl1">Two Thousand Eighteen Ltip [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TwoThousandEighteenLtipMember" xlink:to="byfc_TwoThousandEighteenLtipMember_lbl1" xlink:title="label: TwoThousandEighteenLtipMember to byfc_TwoThousandEighteenLtipMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_TwoThousandEighteenLtipMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_TwoThousandEighteenLtipMember_lbl2" xml:lang="en-US" id="byfc_TwoThousandEighteenLtipMember_lbl2">2018 LTIP [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TwoThousandEighteenLtipMember" xlink:to="byfc_TwoThousandEighteenLtipMember_lbl2" xlink:title="label: TwoThousandEighteenLtipMember to byfc_TwoThousandEighteenLtipMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan" />
    <link:label xlink:type="resource" xlink:label="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl" xml:lang="en-US" id="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl">The aggregate number of shares awarded to date under the plan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan" xlink:to="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan to byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl1" xml:lang="en-US" id="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl1">Share-based Compensation Arrangement by Share-based Payment Award, Aggregate Number of Shares Awarded to Date Under the Plan</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan" xlink:to="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl1" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan to byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl2" xml:lang="en-US" id="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl2">Aggregate number of shares awarded to date under the plan (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan" xlink:to="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl2" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan to byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_OfficersAndEmployeesMember" xlink:label="OfficersAndEmployeesMember" xlink:title="OfficersAndEmployeesMember" />
    <link:label xlink:type="resource" xlink:label="byfc_OfficersAndEmployeesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_OfficersAndEmployeesMember_lbl" xml:lang="en-US" id="byfc_OfficersAndEmployeesMember_lbl">Represents information pertaining to officers and employees.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OfficersAndEmployeesMember" xlink:to="byfc_OfficersAndEmployeesMember_lbl" xlink:title="label: OfficersAndEmployeesMember to byfc_OfficersAndEmployeesMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_OfficersAndEmployeesMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_OfficersAndEmployeesMember_lbl1" xml:lang="en-US" id="byfc_OfficersAndEmployeesMember_lbl1">Officers And Employees [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OfficersAndEmployeesMember" xlink:to="byfc_OfficersAndEmployeesMember_lbl1" xlink:title="label: OfficersAndEmployeesMember to byfc_OfficersAndEmployeesMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_OfficersAndEmployeesMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_OfficersAndEmployeesMember_lbl2" xml:lang="en-US" id="byfc_OfficersAndEmployeesMember_lbl2">Officers and Employees [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OfficersAndEmployeesMember" xlink:to="byfc_OfficersAndEmployeesMember_lbl2" xlink:title="label: OfficersAndEmployeesMember to byfc_OfficersAndEmployeesMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract_lbl1" xml:lang="en-US" id="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract_lbl1">Share-based Compensation Arrangement by Share-based Payment Award, Additional Information [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract" xlink:to="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract_lbl1" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract to byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract_lbl2" xml:lang="en-US" id="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract_lbl2">Stock-based Compensation [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract" xlink:to="byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract_lbl2" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract to byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_TwoThousandEightLTIPMember" xlink:label="TwoThousandEightLTIPMember" xlink:title="TwoThousandEightLTIPMember" />
    <link:label xlink:type="resource" xlink:label="byfc_TwoThousandEightLTIPMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_TwoThousandEightLTIPMember_lbl" xml:lang="en-US" id="byfc_TwoThousandEightLTIPMember_lbl">Represents the entity's 2008 Long-Term Incentive Plan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TwoThousandEightLTIPMember" xlink:to="byfc_TwoThousandEightLTIPMember_lbl" xlink:title="label: TwoThousandEightLTIPMember to byfc_TwoThousandEightLTIPMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_TwoThousandEightLTIPMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_TwoThousandEightLTIPMember_lbl1" xml:lang="en-US" id="byfc_TwoThousandEightLTIPMember_lbl1">Two Thousand Eight LTIP [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TwoThousandEightLTIPMember" xlink:to="byfc_TwoThousandEightLTIPMember_lbl1" xlink:title="label: TwoThousandEightLTIPMember to byfc_TwoThousandEightLTIPMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_TwoThousandEightLTIPMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_TwoThousandEightLTIPMember_lbl2" xml:lang="en-US" id="byfc_TwoThousandEightLTIPMember_lbl2">2008 LTIP [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TwoThousandEightLTIPMember" xlink:to="byfc_TwoThousandEightLTIPMember_lbl2" xlink:title="label: TwoThousandEightLTIPMember to byfc_TwoThousandEightLTIPMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_BankOwnedLifeInsurancePolicyTextBlock" xlink:label="BankOwnedLifeInsurancePolicyTextBlock" xlink:title="BankOwnedLifeInsurancePolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl" xml:lang="en-US" id="byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl">Disclosure of accounting policy for bank-owned life Insurance.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankOwnedLifeInsurancePolicyTextBlock" xlink:to="byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl" xlink:title="label: BankOwnedLifeInsurancePolicyTextBlock to byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl1" xml:lang="en-US" id="byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl1">Bank Owned Life Insurance [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankOwnedLifeInsurancePolicyTextBlock" xlink:to="byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl1" xlink:title="label: BankOwnedLifeInsurancePolicyTextBlock to byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl2" xml:lang="en-US" id="byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl2">Bank-Owned Life Insurance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankOwnedLifeInsurancePolicyTextBlock" xlink:to="byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl2" xlink:title="label: BankOwnedLifeInsurancePolicyTextBlock to byfc_BankOwnedLifeInsurancePolicyTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LoansPurchasedPolicyTextBlock" xlink:label="LoansPurchasedPolicyTextBlock" xlink:title="LoansPurchasedPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansPurchasedPolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_LoansPurchasedPolicyTextBlock_lbl" xml:lang="en-US" id="byfc_LoansPurchasedPolicyTextBlock_lbl">Disclosure of accounting policy for loans purchased.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansPurchasedPolicyTextBlock" xlink:to="byfc_LoansPurchasedPolicyTextBlock_lbl" xlink:title="label: LoansPurchasedPolicyTextBlock to byfc_LoansPurchasedPolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansPurchasedPolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_LoansPurchasedPolicyTextBlock_lbl1" xml:lang="en-US" id="byfc_LoansPurchasedPolicyTextBlock_lbl1">Loans Purchased [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansPurchasedPolicyTextBlock" xlink:to="byfc_LoansPurchasedPolicyTextBlock_lbl1" xlink:title="label: LoansPurchasedPolicyTextBlock to byfc_LoansPurchasedPolicyTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansPurchasedPolicyTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_LoansPurchasedPolicyTextBlock_lbl2" xml:lang="en-US" id="byfc_LoansPurchasedPolicyTextBlock_lbl2">Loans Purchased</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansPurchasedPolicyTextBlock" xlink:to="byfc_LoansPurchasedPolicyTextBlock_lbl2" xlink:title="label: LoansPurchasedPolicyTextBlock to byfc_LoansPurchasedPolicyTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock" xlink:label="InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock" xlink:title="InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl" xml:lang="en-US" id="byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl">Disclosure of accounting policy for investments in affordable housing limited partnerships.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock" xlink:to="byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl" xlink:title="label: InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock to byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl1" xml:lang="en-US" id="byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl1">Investment in Affordable Housing Limited Partnership [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock" xlink:to="byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl1" xlink:title="label: InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock to byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl2" xml:lang="en-US" id="byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl2">Investment in Affordable Housing Limited Partnership</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock" xlink:to="byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl2" xlink:title="label: InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock to byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_FederalHomeLoanBankStockPolicyTextBlock" xlink:label="FederalHomeLoanBankStockPolicyTextBlock" xlink:title="FederalHomeLoanBankStockPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl" xml:lang="en-US" id="byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl">Disclosure of accounting policy for Federal Home Loan Bank stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankStockPolicyTextBlock" xlink:to="byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl" xlink:title="label: FederalHomeLoanBankStockPolicyTextBlock to byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl1" xml:lang="en-US" id="byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl1">Federal Home Loan Bank Stock [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankStockPolicyTextBlock" xlink:to="byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl1" xlink:title="label: FederalHomeLoanBankStockPolicyTextBlock to byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl2" xml:lang="en-US" id="byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl2">Federal Home Loan Bank (FHLB) stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankStockPolicyTextBlock" xlink:to="byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl2" xlink:title="label: FederalHomeLoanBankStockPolicyTextBlock to byfc_FederalHomeLoanBankStockPolicyTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_NumberOfRetailBankingOffices" xlink:label="NumberOfRetailBankingOffices" xlink:title="NumberOfRetailBankingOffices" />
    <link:label xlink:type="resource" xlink:label="byfc_NumberOfRetailBankingOffices_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_NumberOfRetailBankingOffices_lbl" xml:lang="en-US" id="byfc_NumberOfRetailBankingOffices_lbl">The number of retail-banking offices operated by the entity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfRetailBankingOffices" xlink:to="byfc_NumberOfRetailBankingOffices_lbl" xlink:title="label: NumberOfRetailBankingOffices to byfc_NumberOfRetailBankingOffices_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_NumberOfRetailBankingOffices_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_NumberOfRetailBankingOffices_lbl1" xml:lang="en-US" id="byfc_NumberOfRetailBankingOffices_lbl1">Number of Retail Banking Offices</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfRetailBankingOffices" xlink:to="byfc_NumberOfRetailBankingOffices_lbl1" xlink:title="label: NumberOfRetailBankingOffices to byfc_NumberOfRetailBankingOffices_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_NumberOfRetailBankingOffices_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_NumberOfRetailBankingOffices_lbl2" xml:lang="en-US" id="byfc_NumberOfRetailBankingOffices_lbl2">Number of retail-banking offices</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfRetailBankingOffices" xlink:to="byfc_NumberOfRetailBankingOffices_lbl2" xlink:title="label: NumberOfRetailBankingOffices to byfc_NumberOfRetailBankingOffices_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_InglewoodCaliforniaMember" xlink:label="InglewoodCaliforniaMember" xlink:title="InglewoodCaliforniaMember" />
    <link:label xlink:type="resource" xlink:label="byfc_InglewoodCaliforniaMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_InglewoodCaliforniaMember_lbl" xml:lang="en-US" id="byfc_InglewoodCaliforniaMember_lbl">Information pertaining to Inglewood, California.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InglewoodCaliforniaMember" xlink:to="byfc_InglewoodCaliforniaMember_lbl" xlink:title="label: InglewoodCaliforniaMember to byfc_InglewoodCaliforniaMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_InglewoodCaliforniaMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_InglewoodCaliforniaMember_lbl1" xml:lang="en-US" id="byfc_InglewoodCaliforniaMember_lbl1">Inglewood California [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InglewoodCaliforniaMember" xlink:to="byfc_InglewoodCaliforniaMember_lbl1" xlink:title="label: InglewoodCaliforniaMember to byfc_InglewoodCaliforniaMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_InglewoodCaliforniaMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_InglewoodCaliforniaMember_lbl2" xml:lang="en-US" id="byfc_InglewoodCaliforniaMember_lbl2">Inglewood, California [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InglewoodCaliforniaMember" xlink:to="byfc_InglewoodCaliforniaMember_lbl2" xlink:title="label: InglewoodCaliforniaMember to byfc_InglewoodCaliforniaMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LosAnglesCaliforniaMember" xlink:label="LosAnglesCaliforniaMember" xlink:title="LosAnglesCaliforniaMember" />
    <link:label xlink:type="resource" xlink:label="byfc_LosAnglesCaliforniaMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_LosAnglesCaliforniaMember_lbl" xml:lang="en-US" id="byfc_LosAnglesCaliforniaMember_lbl">Information pertaining to Los Angeles, California.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LosAnglesCaliforniaMember" xlink:to="byfc_LosAnglesCaliforniaMember_lbl" xlink:title="label: LosAnglesCaliforniaMember to byfc_LosAnglesCaliforniaMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_LosAnglesCaliforniaMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_LosAnglesCaliforniaMember_lbl1" xml:lang="en-US" id="byfc_LosAnglesCaliforniaMember_lbl1">Los Angles California [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LosAnglesCaliforniaMember" xlink:to="byfc_LosAnglesCaliforniaMember_lbl1" xlink:title="label: LosAnglesCaliforniaMember to byfc_LosAnglesCaliforniaMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_LosAnglesCaliforniaMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_LosAnglesCaliforniaMember_lbl2" xml:lang="en-US" id="byfc_LosAnglesCaliforniaMember_lbl2">Los Angeles, California [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LosAnglesCaliforniaMember" xlink:to="byfc_LosAnglesCaliforniaMember_lbl2" xlink:title="label: LosAnglesCaliforniaMember to byfc_LosAnglesCaliforniaMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_NatureOfOperationsAndPrinciplesOfConsolidationAbstract" xlink:label="NatureOfOperationsAndPrinciplesOfConsolidationAbstract" xlink:title="NatureOfOperationsAndPrinciplesOfConsolidationAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_NatureOfOperationsAndPrinciplesOfConsolidationAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_NatureOfOperationsAndPrinciplesOfConsolidationAbstract_lbl1" xml:lang="en-US" id="byfc_NatureOfOperationsAndPrinciplesOfConsolidationAbstract_lbl1">Nature of Operations and Principles of Consolidation [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NatureOfOperationsAndPrinciplesOfConsolidationAbstract" xlink:to="byfc_NatureOfOperationsAndPrinciplesOfConsolidationAbstract_lbl1" xlink:title="label: NatureOfOperationsAndPrinciplesOfConsolidationAbstract to byfc_NatureOfOperationsAndPrinciplesOfConsolidationAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_GrantDateAsOfFebruary242016Member" xlink:label="GrantDateAsOfFebruary242016Member" xlink:title="GrantDateAsOfFebruary242016Member" />
    <link:label xlink:type="resource" xlink:label="byfc_GrantDateAsOfFebruary242016Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_GrantDateAsOfFebruary242016Member_lbl" xml:lang="en-US" id="byfc_GrantDateAsOfFebruary242016Member_lbl">Represent the information pertaining to Grant Date as on February 24, 2016.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GrantDateAsOfFebruary242016Member" xlink:to="byfc_GrantDateAsOfFebruary242016Member_lbl" xlink:title="label: GrantDateAsOfFebruary242016Member to byfc_GrantDateAsOfFebruary242016Member_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_GrantDateAsOfFebruary242016Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_GrantDateAsOfFebruary242016Member_lbl1" xml:lang="en-US" id="byfc_GrantDateAsOfFebruary242016Member_lbl1">Grant Date As Of February242016 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GrantDateAsOfFebruary242016Member" xlink:to="byfc_GrantDateAsOfFebruary242016Member_lbl1" xlink:title="label: GrantDateAsOfFebruary242016Member to byfc_GrantDateAsOfFebruary242016Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_GrantDateAsOfFebruary242016Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_GrantDateAsOfFebruary242016Member_lbl2" xml:lang="en-US" id="byfc_GrantDateAsOfFebruary242016Member_lbl2">Grant Date February 24, 2016 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GrantDateAsOfFebruary242016Member" xlink:to="byfc_GrantDateAsOfFebruary242016Member_lbl2" xlink:title="label: GrantDateAsOfFebruary242016Member to byfc_GrantDateAsOfFebruary242016Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_GrantDateAsOfJanuary212010Member" xlink:label="GrantDateAsOfJanuary212010Member" xlink:title="GrantDateAsOfJanuary212010Member" />
    <link:label xlink:type="resource" xlink:label="byfc_GrantDateAsOfJanuary212010Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_GrantDateAsOfJanuary212010Member_lbl" xml:lang="en-US" id="byfc_GrantDateAsOfJanuary212010Member_lbl">Represent the information pertaining to Grant Date as on January 21, 2010.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GrantDateAsOfJanuary212010Member" xlink:to="byfc_GrantDateAsOfJanuary212010Member_lbl" xlink:title="label: GrantDateAsOfJanuary212010Member to byfc_GrantDateAsOfJanuary212010Member_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_GrantDateAsOfJanuary212010Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_GrantDateAsOfJanuary212010Member_lbl1" xml:lang="en-US" id="byfc_GrantDateAsOfJanuary212010Member_lbl1">Grant Date As Of January 21, 2010 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GrantDateAsOfJanuary212010Member" xlink:to="byfc_GrantDateAsOfJanuary212010Member_lbl1" xlink:title="label: GrantDateAsOfJanuary212010Member to byfc_GrantDateAsOfJanuary212010Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_GrantDateAsOfJanuary212010Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_GrantDateAsOfJanuary212010Member_lbl2" xml:lang="en-US" id="byfc_GrantDateAsOfJanuary212010Member_lbl2">Grant Date January 21, 2010 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GrantDateAsOfJanuary212010Member" xlink:to="byfc_GrantDateAsOfJanuary212010Member_lbl2" xlink:title="label: GrantDateAsOfJanuary212010Member to byfc_GrantDateAsOfJanuary212010Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_TimeDeposits250000OrMore" xlink:label="TimeDeposits250000OrMore" xlink:title="TimeDeposits250000OrMore" />
    <link:label xlink:type="resource" xlink:label="byfc_TimeDeposits250000OrMore_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_TimeDeposits250000OrMore_lbl" xml:lang="en-US" id="byfc_TimeDeposits250000OrMore_lbl">The aggregate amount of domestic and foreign time deposit liabilities in denominations of $250,000 or more</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits250000OrMore" xlink:to="byfc_TimeDeposits250000OrMore_lbl" xlink:title="label: TimeDeposits250000OrMore to byfc_TimeDeposits250000OrMore_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_TimeDeposits250000OrMore_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_TimeDeposits250000OrMore_lbl1" xml:lang="en-US" id="byfc_TimeDeposits250000OrMore_lbl1">Aggregate amount of certificates of deposits in denominations of $250,000 or more</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits250000OrMore" xlink:to="byfc_TimeDeposits250000OrMore_lbl1" xlink:title="label: TimeDeposits250000OrMore to byfc_TimeDeposits250000OrMore_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_TimeDeposits250000OrMore_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_TimeDeposits250000OrMore_lbl2" xml:lang="en-US" id="byfc_TimeDeposits250000OrMore_lbl2">Certificate of deposits in denominations of $250,000 or more</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits250000OrMore" xlink:to="byfc_TimeDeposits250000OrMore_lbl2" xlink:title="label: TimeDeposits250000OrMore to byfc_TimeDeposits250000OrMore_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_MortgageBackedSecuritiesEstimatedRemainingTerm" xlink:label="MortgageBackedSecuritiesEstimatedRemainingTerm" xlink:title="MortgageBackedSecuritiesEstimatedRemainingTerm" />
    <link:label xlink:type="resource" xlink:label="byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl" xml:lang="en-US" id="byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl">Represents the estimated remaining life of mortgage-backed securities in the entity's investment portfolio.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageBackedSecuritiesEstimatedRemainingTerm" xlink:to="byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl" xlink:title="label: MortgageBackedSecuritiesEstimatedRemainingTerm to byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl1" xml:lang="en-US" id="byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl1">Mortgage Backed Securities Estimated Remaining Term</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageBackedSecuritiesEstimatedRemainingTerm" xlink:to="byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl1" xlink:title="label: MortgageBackedSecuritiesEstimatedRemainingTerm to byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl2" xml:lang="en-US" id="byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl2">Estimated average remaining life</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageBackedSecuritiesEstimatedRemainingTerm" xlink:to="byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl2" xlink:title="label: MortgageBackedSecuritiesEstimatedRemainingTerm to byfc_MortgageBackedSecuritiesEstimatedRemainingTerm_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_NumberOfSecuritiesHeld" xlink:label="NumberOfSecuritiesHeld" xlink:title="NumberOfSecuritiesHeld" />
    <link:label xlink:type="resource" xlink:label="byfc_NumberOfSecuritiesHeld_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_NumberOfSecuritiesHeld_lbl" xml:lang="en-US" id="byfc_NumberOfSecuritiesHeld_lbl">Number of securities held at the end of reporting period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSecuritiesHeld" xlink:to="byfc_NumberOfSecuritiesHeld_lbl" xlink:title="label: NumberOfSecuritiesHeld to byfc_NumberOfSecuritiesHeld_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_NumberOfSecuritiesHeld_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_NumberOfSecuritiesHeld_lbl1" xml:lang="en-US" id="byfc_NumberOfSecuritiesHeld_lbl1">Number of Securities Held</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSecuritiesHeld" xlink:to="byfc_NumberOfSecuritiesHeld_lbl1" xlink:title="label: NumberOfSecuritiesHeld to byfc_NumberOfSecuritiesHeld_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_NumberOfSecuritiesHeld_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_NumberOfSecuritiesHeld_lbl2" xml:lang="en-US" id="byfc_NumberOfSecuritiesHeld_lbl2">Number of securities held</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSecuritiesHeld" xlink:to="byfc_NumberOfSecuritiesHeld_lbl2" xlink:title="label: NumberOfSecuritiesHeld to byfc_NumberOfSecuritiesHeld_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_AvailableForSaleSecuritiesOfAnyOneIssuerGreaterThanTenPercentOfShareholdersEquity" xlink:label="AvailableForSaleSecuritiesOfAnyOneIssuerGreaterThanTenPercentOfShareholdersEquity" xlink:title="AvailableForSaleSecuritiesOfAnyOneIssuerGreaterThanTenPercentOfShareholdersEquity" />
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_UnrealizedGainsOnSecuritiesNumberOfSecuritiesHeld" xlink:label="UnrealizedGainsOnSecuritiesNumberOfSecuritiesHeld" xlink:title="UnrealizedGainsOnSecuritiesNumberOfSecuritiesHeld" />
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LoansHeldForSaleSoldParValue" xlink:label="LoansHeldForSaleSoldParValue" xlink:title="LoansHeldForSaleSoldParValue" />
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LongTermIncentivePlanParticipantsExcludingDirectorsMember" xlink:label="LongTermIncentivePlanParticipantsExcludingDirectorsMember" xlink:title="LongTermIncentivePlanParticipantsExcludingDirectorsMember" />
    <link:label xlink:type="resource" xlink:label="byfc_LongTermIncentivePlanParticipantsExcludingDirectorsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_LongTermIncentivePlanParticipantsExcludingDirectorsMember_lbl" xml:lang="en-US" id="byfc_LongTermIncentivePlanParticipantsExcludingDirectorsMember_lbl">Eligible participants in the Company's Long-Term Incentive Plan, excluding directors.</link:label>
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    <link:label xlink:type="resource" xlink:label="byfc_LongTermIncentivePlanParticipantsExcludingDirectorsMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_LongTermIncentivePlanParticipantsExcludingDirectorsMember_lbl1" xml:lang="en-US" id="byfc_LongTermIncentivePlanParticipantsExcludingDirectorsMember_lbl1">Long Term Incentive Plan Participants Excluding Directors [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsuranceClassifiedAsOperatingActivities" xlink:label="IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsuranceClassifiedAsOperatingActivities" xlink:title="IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsuranceClassifiedAsOperatingActivities" />
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_ReversalOfValuationAllowanceOnLoanHeldForSale" xlink:label="ReversalOfValuationAllowanceOnLoanHeldForSale" xlink:title="ReversalOfValuationAllowanceOnLoanHeldForSale" />
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_StockExchangedForPaymentOfTaxWithholding" xlink:label="StockExchangedForPaymentOfTaxWithholding" xlink:title="StockExchangedForPaymentOfTaxWithholding" />
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    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_IncreaseDecreaseInOperatingLeaseLiabilities" xlink:label="IncreaseDecreaseInOperatingLeaseLiabilities" xlink:title="IncreaseDecreaseInOperatingLeaseLiabilities" />
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    <link:label xlink:type="resource" xlink:label="byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets_lbl1" xml:lang="en-US" id="byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets_lbl1">Increase (Decrease) in Operating Lease Right-to-Use Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncreaseDecreaseInOperatingLeaseRightToUseAssets" xlink:to="byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets_lbl1" xlink:title="label: IncreaseDecreaseInOperatingLeaseRightToUseAssets to byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets_lbl2" xml:lang="en-US" id="byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets_lbl2">Initial recognition of operating lease right-to-use assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncreaseDecreaseInOperatingLeaseRightToUseAssets" xlink:to="byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets_lbl2" xlink:title="label: IncreaseDecreaseInOperatingLeaseRightToUseAssets to byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_EmployeeStockOwnershipPlanLoanTerm" xlink:label="EmployeeStockOwnershipPlanLoanTerm" xlink:title="EmployeeStockOwnershipPlanLoanTerm" />
    <link:label xlink:type="resource" xlink:label="byfc_EmployeeStockOwnershipPlanLoanTerm_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_EmployeeStockOwnershipPlanLoanTerm_lbl" xml:lang="en-US" id="byfc_EmployeeStockOwnershipPlanLoanTerm_lbl">Represents the term of the ESOP loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanLoanTerm" xlink:to="byfc_EmployeeStockOwnershipPlanLoanTerm_lbl" xlink:title="label: EmployeeStockOwnershipPlanLoanTerm to byfc_EmployeeStockOwnershipPlanLoanTerm_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_EmployeeStockOwnershipPlanLoanTerm_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_EmployeeStockOwnershipPlanLoanTerm_lbl1" xml:lang="en-US" id="byfc_EmployeeStockOwnershipPlanLoanTerm_lbl1">Employee Stock Ownership Plan, Loan Term</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanLoanTerm" xlink:to="byfc_EmployeeStockOwnershipPlanLoanTerm_lbl1" xlink:title="label: EmployeeStockOwnershipPlanLoanTerm to byfc_EmployeeStockOwnershipPlanLoanTerm_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_EmployeeStockOwnershipPlanLoanTerm_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_EmployeeStockOwnershipPlanLoanTerm_lbl2" xml:lang="en-US" id="byfc_EmployeeStockOwnershipPlanLoanTerm_lbl2">Term of ESOP loan</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanLoanTerm" xlink:to="byfc_EmployeeStockOwnershipPlanLoanTerm_lbl2" xlink:title="label: EmployeeStockOwnershipPlanLoanTerm to byfc_EmployeeStockOwnershipPlanLoanTerm_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_CostOfSharesPurchasedByESOP" xlink:label="CostOfSharesPurchasedByESOP" xlink:title="CostOfSharesPurchasedByESOP" />
    <link:label xlink:type="resource" xlink:label="byfc_CostOfSharesPurchasedByESOP_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_CostOfSharesPurchasedByESOP_lbl" xml:lang="en-US" id="byfc_CostOfSharesPurchasedByESOP_lbl">Cost of shares purchased by the Employee Stock Option Plan ("ESOP") during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CostOfSharesPurchasedByESOP" xlink:to="byfc_CostOfSharesPurchasedByESOP_lbl" xlink:title="label: CostOfSharesPurchasedByESOP to byfc_CostOfSharesPurchasedByESOP_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_CostOfSharesPurchasedByESOP_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_CostOfSharesPurchasedByESOP_lbl1" xml:lang="en-US" id="byfc_CostOfSharesPurchasedByESOP_lbl1">Cost Of Shares Purchased By ESOP</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CostOfSharesPurchasedByESOP" xlink:to="byfc_CostOfSharesPurchasedByESOP_lbl1" xlink:title="label: CostOfSharesPurchasedByESOP to byfc_CostOfSharesPurchasedByESOP_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_CostOfSharesPurchasedByESOP_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_CostOfSharesPurchasedByESOP_lbl2" xml:lang="en-US" id="byfc_CostOfSharesPurchasedByESOP_lbl2">Total cost of shares purchased by ESOP</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CostOfSharesPurchasedByESOP" xlink:to="byfc_CostOfSharesPurchasedByESOP_lbl2" xlink:title="label: CostOfSharesPurchasedByESOP to byfc_CostOfSharesPurchasedByESOP_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_DefinedContributionPensionPlanDisclosureAbstract" xlink:label="DefinedContributionPensionPlanDisclosureAbstract" xlink:title="DefinedContributionPensionPlanDisclosureAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_DefinedContributionPensionPlanDisclosureAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_DefinedContributionPensionPlanDisclosureAbstract_lbl1" xml:lang="en-US" id="byfc_DefinedContributionPensionPlanDisclosureAbstract_lbl1">Defined Contribution Pension Plan Disclosure [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedContributionPensionPlanDisclosureAbstract" xlink:to="byfc_DefinedContributionPensionPlanDisclosureAbstract_lbl1" xlink:title="label: DefinedContributionPensionPlanDisclosureAbstract to byfc_DefinedContributionPensionPlanDisclosureAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_DefinedContributionPensionPlanDisclosureAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_DefinedContributionPensionPlanDisclosureAbstract_lbl2" xml:lang="en-US" id="byfc_DefinedContributionPensionPlanDisclosureAbstract_lbl2">Broadway Federal 401(k) Plan [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedContributionPensionPlanDisclosureAbstract" xlink:to="byfc_DefinedContributionPensionPlanDisclosureAbstract_lbl2" xlink:title="label: DefinedContributionPensionPlanDisclosureAbstract to byfc_DefinedContributionPensionPlanDisclosureAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation" xlink:label="EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation" xlink:title="EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation" />
    <link:label xlink:type="resource" xlink:label="byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl" xml:lang="en-US" id="byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl">The number of shares released for allocation to participants under employee stock ownership plan (ESOP).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation" xlink:to="byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl" xlink:title="label: EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation to byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl1" xml:lang="en-US" id="byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl1">Employee Stock Ownership Plan Esop Number of Shares Released for Allocation</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation" xlink:to="byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl1" xlink:title="label: EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation to byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl2" xml:lang="en-US" id="byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl2">Shares released for allocation (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation" xlink:to="byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl2" xlink:title="label: EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation to byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_EmployeeStockOwnershipPlanAbstract" xlink:label="EmployeeStockOwnershipPlanAbstract" xlink:title="EmployeeStockOwnershipPlanAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_EmployeeStockOwnershipPlanAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_EmployeeStockOwnershipPlanAbstract_lbl1" xml:lang="en-US" id="byfc_EmployeeStockOwnershipPlanAbstract_lbl1">Employee Stock Ownership Plan [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanAbstract" xlink:to="byfc_EmployeeStockOwnershipPlanAbstract_lbl1" xlink:title="label: EmployeeStockOwnershipPlanAbstract to byfc_EmployeeStockOwnershipPlanAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_EmployeeStockOwnershipPlanAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_EmployeeStockOwnershipPlanAbstract_lbl2" xml:lang="en-US" id="byfc_EmployeeStockOwnershipPlanAbstract_lbl2">ESOP Plan [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeStockOwnershipPlanAbstract" xlink:to="byfc_EmployeeStockOwnershipPlanAbstract_lbl2" xlink:title="label: EmployeeStockOwnershipPlanAbstract to byfc_EmployeeStockOwnershipPlanAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_CommonStockHeldByESOPMember" xlink:label="CommonStockHeldByESOPMember" xlink:title="CommonStockHeldByESOPMember" />
    <link:label xlink:type="resource" xlink:label="byfc_CommonStockHeldByESOPMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_CommonStockHeldByESOPMember_lbl" xml:lang="en-US" id="byfc_CommonStockHeldByESOPMember_lbl">Represents the total common stock held by the Employee Stock Option Plan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonStockHeldByESOPMember" xlink:to="byfc_CommonStockHeldByESOPMember_lbl" xlink:title="label: CommonStockHeldByESOPMember to byfc_CommonStockHeldByESOPMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_CommonStockHeldByESOPMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_CommonStockHeldByESOPMember_lbl1" xml:lang="en-US" id="byfc_CommonStockHeldByESOPMember_lbl1">Common Stock Held By E S O P [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonStockHeldByESOPMember" xlink:to="byfc_CommonStockHeldByESOPMember_lbl1" xlink:title="label: CommonStockHeldByESOPMember to byfc_CommonStockHeldByESOPMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_CommonStockHeldByESOPMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_CommonStockHeldByESOPMember_lbl2" xml:lang="en-US" id="byfc_CommonStockHeldByESOPMember_lbl2">Unearned ESOP Shares [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonStockHeldByESOPMember" xlink:to="byfc_CommonStockHeldByESOPMember_lbl2" xlink:title="label: CommonStockHeldByESOPMember to byfc_CommonStockHeldByESOPMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock" xlink:label="ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock" xlink:title="ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl" xml:lang="en-US" id="byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl">Tabular disclosure of advances made and reported by Federal Home Loan Bank (FHLBank) maturity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock" xlink:to="byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl" xlink:title="label: ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock to byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl1" xml:lang="en-US" id="byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl1">Schedule of Federal Home Loan Bank, Advances, Fiscal Year Maturity [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock" xlink:to="byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl1" xlink:title="label: ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock to byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl2" xml:lang="en-US" id="byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl2">Required Payments over Next Five Years</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock" xlink:to="byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl2" xlink:title="label: ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock to byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets" xlink:label="FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets" xlink:title="FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets" />
    <link:label xlink:type="resource" xlink:label="byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl" xml:lang="en-US" id="byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl">Amount of maximum advances or credit lines available as percentage of assets from the Federal Home Loan Bank (FHLB).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets" xlink:to="byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl" xlink:title="label: FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets to byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl1" xml:lang="en-US" id="byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl1">Federal Home Loan Bank Advances General Debt Obligations Disclosures Maximum Amount Available As Percentage Of Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets" xlink:to="byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl1" xlink:title="label: FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets to byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl2" xml:lang="en-US" id="byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl2">General borrowing limit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets" xlink:to="byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl2" xlink:title="label: FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets to byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember" xlink:label="OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember" xlink:title="OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember" />
    <link:label xlink:type="resource" xlink:label="byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl" xml:lang="en-US" id="byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl">Represents the deposits under the program which allows the Bank to accept deposits from CDARS even though there is no customer account involved.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember" xlink:to="byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl" xlink:title="label: OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember to byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl1" xml:lang="en-US" id="byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl1">One-Way Deposits from Certificate Of Deposit Account Registry Service [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember" xlink:to="byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl1" xlink:title="label: OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember to byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl2" xml:lang="en-US" id="byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl2">One-Way Deposits from CDARS [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember" xlink:to="byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl2" xlink:title="label: OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember to byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_DepositLiabilitiesTypeLineItems" xlink:label="DepositLiabilitiesTypeLineItems" xlink:title="DepositLiabilitiesTypeLineItems" />
    <link:label xlink:type="resource" xlink:label="byfc_DepositLiabilitiesTypeLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_DepositLiabilitiesTypeLineItems_lbl" xml:lang="en-US" id="byfc_DepositLiabilitiesTypeLineItems_lbl">Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</link:label>
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    <link:label xlink:type="resource" xlink:label="byfc_DepositLiabilitiesTypeLineItems_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_DepositLiabilitiesTypeLineItems_lbl1" xml:lang="en-US" id="byfc_DepositLiabilitiesTypeLineItems_lbl1">Deposit Liabilities, Type [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositLiabilitiesTypeLineItems" xlink:to="byfc_DepositLiabilitiesTypeLineItems_lbl1" xlink:title="label: DepositLiabilitiesTypeLineItems to byfc_DepositLiabilitiesTypeLineItems_lbl1" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember" xlink:label="ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember" xlink:title="ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember" />
    <link:label xlink:type="resource" xlink:label="byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl" xml:lang="en-US" id="byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl">Represents the deposits under the CDARS program, which allows banks to place their customers' funds in FDIC-insured certificates of deposit at other banks and, at the same time, receive an equal sum of funds from the customers of other banks in the CDARS Network.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember" xlink:to="byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl" xlink:title="label: ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember to byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl1" xml:lang="en-US" id="byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl1">Reciprocal Deposits from Certificate Of Deposit Account Registry Service [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember" xlink:to="byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl1" xlink:title="label: ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember to byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl2" xml:lang="en-US" id="byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl2">Reciprocal Deposits from CDARS [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember" xlink:to="byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl2" xlink:title="label: ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember to byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_CertificateOfDepositAccountRegistryServiceMember" xlink:label="CertificateOfDepositAccountRegistryServiceMember" xlink:title="CertificateOfDepositAccountRegistryServiceMember" />
    <link:label xlink:type="resource" xlink:label="byfc_CertificateOfDepositAccountRegistryServiceMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_CertificateOfDepositAccountRegistryServiceMember_lbl" xml:lang="en-US" id="byfc_CertificateOfDepositAccountRegistryServiceMember_lbl">Represents information pertaining to Certificate of Deposit Account Registry Service ("CDARS").</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CertificateOfDepositAccountRegistryServiceMember" xlink:to="byfc_CertificateOfDepositAccountRegistryServiceMember_lbl" xlink:title="label: CertificateOfDepositAccountRegistryServiceMember to byfc_CertificateOfDepositAccountRegistryServiceMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_CertificateOfDepositAccountRegistryServiceMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_CertificateOfDepositAccountRegistryServiceMember_lbl1" xml:lang="en-US" id="byfc_CertificateOfDepositAccountRegistryServiceMember_lbl1">Certificate Of Deposit Account Registry Service [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CertificateOfDepositAccountRegistryServiceMember" xlink:to="byfc_CertificateOfDepositAccountRegistryServiceMember_lbl1" xlink:title="label: CertificateOfDepositAccountRegistryServiceMember to byfc_CertificateOfDepositAccountRegistryServiceMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_CertificateOfDepositAccountRegistryServiceMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_CertificateOfDepositAccountRegistryServiceMember_lbl2" xml:lang="en-US" id="byfc_CertificateOfDepositAccountRegistryServiceMember_lbl2">CDARS [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CertificateOfDepositAccountRegistryServiceMember" xlink:to="byfc_CertificateOfDepositAccountRegistryServiceMember_lbl2" xlink:title="label: CertificateOfDepositAccountRegistryServiceMember to byfc_CertificateOfDepositAccountRegistryServiceMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_DepositLiabilitiesTypeTable" xlink:label="DepositLiabilitiesTypeTable" xlink:title="DepositLiabilitiesTypeTable" />
    <link:label xlink:type="resource" xlink:label="byfc_DepositLiabilitiesTypeTable_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_DepositLiabilitiesTypeTable_lbl" xml:lang="en-US" id="byfc_DepositLiabilitiesTypeTable_lbl">Tabular disclosure of type of deposit liability.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositLiabilitiesTypeTable" xlink:to="byfc_DepositLiabilitiesTypeTable_lbl" xlink:title="label: DepositLiabilitiesTypeTable to byfc_DepositLiabilitiesTypeTable_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_DepositLiabilitiesTypeTable_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_DepositLiabilitiesTypeTable_lbl1" xml:lang="en-US" id="byfc_DepositLiabilitiesTypeTable_lbl1">Deposit Liabilities, Type [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositLiabilitiesTypeTable" xlink:to="byfc_DepositLiabilitiesTypeTable_lbl1" xlink:title="label: DepositLiabilitiesTypeTable to byfc_DepositLiabilitiesTypeTable_lbl1" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract" xlink:label="LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract" xlink:title="LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract_lbl1" xml:lang="en-US" id="byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract_lbl1">Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract" xlink:to="byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract_lbl1" xlink:title="label: LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract to byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract_lbl2" xml:lang="en-US" id="byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract_lbl2">Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract" xlink:to="byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract_lbl2" xlink:title="label: LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract to byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_DebtInstrumentTermOfVariableRate" xlink:label="DebtInstrumentTermOfVariableRate" xlink:title="DebtInstrumentTermOfVariableRate" />
    <link:label xlink:type="resource" xlink:label="byfc_DebtInstrumentTermOfVariableRate_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_DebtInstrumentTermOfVariableRate_lbl" xml:lang="en-US" id="byfc_DebtInstrumentTermOfVariableRate_lbl">Term of the interest rate that fluctuates over time as a result of an underlying benchmark interest rate or index.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DebtInstrumentTermOfVariableRate" xlink:to="byfc_DebtInstrumentTermOfVariableRate_lbl" xlink:title="label: DebtInstrumentTermOfVariableRate to byfc_DebtInstrumentTermOfVariableRate_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_DebtInstrumentTermOfVariableRate_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_DebtInstrumentTermOfVariableRate_lbl1" xml:lang="en-US" id="byfc_DebtInstrumentTermOfVariableRate_lbl1">Debt Instrument, Term of Variable Rate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DebtInstrumentTermOfVariableRate" xlink:to="byfc_DebtInstrumentTermOfVariableRate_lbl1" xlink:title="label: DebtInstrumentTermOfVariableRate to byfc_DebtInstrumentTermOfVariableRate_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_DebtInstrumentTermOfVariableRate_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_DebtInstrumentTermOfVariableRate_lbl2" xml:lang="en-US" id="byfc_DebtInstrumentTermOfVariableRate_lbl2">Basis spread term</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DebtInstrumentTermOfVariableRate" xlink:to="byfc_DebtInstrumentTermOfVariableRate_lbl2" xlink:title="label: DebtInstrumentTermOfVariableRate to byfc_DebtInstrumentTermOfVariableRate_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_DeferredTaxLiabilitiesBadDebtAdjustments" xlink:label="DeferredTaxLiabilitiesBadDebtAdjustments" xlink:title="DeferredTaxLiabilitiesBadDebtAdjustments" />
    <link:label xlink:type="resource" xlink:label="byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl" xml:lang="en-US" id="byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl">Amount of deferred tax liability attributable to taxable temporary differences from adjustments to bad debts.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesBadDebtAdjustments" xlink:to="byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl" xlink:title="label: DeferredTaxLiabilitiesBadDebtAdjustments to byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl1" xml:lang="en-US" id="byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl1">Deferred Tax Liabilities, Bad Debt Adjustments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesBadDebtAdjustments" xlink:to="byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl1" xlink:title="label: DeferredTaxLiabilitiesBadDebtAdjustments to byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl2" xml:lang="en-US" id="byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl2">Section 481 Adjustments to bad debts</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesBadDebtAdjustments" xlink:to="byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl2" xlink:title="label: DeferredTaxLiabilitiesBadDebtAdjustments to byfc_DeferredTaxLiabilitiesBadDebtAdjustments_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_DeferredTaxAssetsNonaccrualInterestOnLoans" xlink:label="DeferredTaxAssetsNonaccrualInterestOnLoans" xlink:title="DeferredTaxAssetsNonaccrualInterestOnLoans" />
    <link:label xlink:type="resource" xlink:label="byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl" xml:lang="en-US" id="byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl">Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from non-accrual loan interest.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxAssetsNonaccrualInterestOnLoans" xlink:to="byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl" xlink:title="label: DeferredTaxAssetsNonaccrualInterestOnLoans to byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl1" xml:lang="en-US" id="byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl1">Deferred Tax Assets Nonaccrual Interest on Loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxAssetsNonaccrualInterestOnLoans" xlink:to="byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl1" xlink:title="label: DeferredTaxAssetsNonaccrualInterestOnLoans to byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl2" xml:lang="en-US" id="byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl2">Non-accrual loan interest</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxAssetsNonaccrualInterestOnLoans" xlink:to="byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl2" xlink:title="label: DeferredTaxAssetsNonaccrualInterestOnLoans to byfc_DeferredTaxAssetsNonaccrualInterestOnLoans_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" xlink:label="DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" xlink:title="DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" />
    <link:label xlink:type="resource" xlink:label="byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl" xml:lang="en-US" id="byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl">Amount of deferred tax liability attributable to taxable temporary differences from FHLB stock dividends.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" xlink:to="byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl" xlink:title="label: DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends to byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl1" xml:lang="en-US" id="byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl1">Deferred Tax Liabilities Federal Home Loan Bank Stock Dividends</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" xlink:to="byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl1" xlink:title="label: DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends to byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl2" xml:lang="en-US" id="byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl2">FHLB stock dividends</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" xlink:to="byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl2" xlink:title="label: DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends to byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome" xlink:label="PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome" xlink:title="PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome" />
    <link:label xlink:type="resource" xlink:label="byfc_PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome_lbl" xml:lang="en-US" id="byfc_PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome_lbl">The period over which reserve for excess tax bad debt may be charged evenly to taxable income, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Includes, but not limited to, weeks in a year or quarter.</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome" xlink:to="byfc_PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome_lbl2" xlink:title="label: PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome to byfc_PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome" xlink:label="BadDebtReserveReclassificationFromReserveToTaxableIncome" xlink:title="BadDebtReserveReclassificationFromReserveToTaxableIncome" />
    <link:label xlink:type="resource" xlink:label="byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl" xml:lang="en-US" id="byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl">The amount of bad debt reserve which will be reclassified from reserve method to charge-off method.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BadDebtReserveReclassificationFromReserveToTaxableIncome" xlink:to="byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl" xlink:title="label: BadDebtReserveReclassificationFromReserveToTaxableIncome to byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl1" xml:lang="en-US" id="byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl1">Bad Debt Reserve, Reclassification from Reserve To Taxable Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BadDebtReserveReclassificationFromReserveToTaxableIncome" xlink:to="byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl1" xlink:title="label: BadDebtReserveReclassificationFromReserveToTaxableIncome to byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl2" xml:lang="en-US" id="byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl2">Tax bad debt deduction under the new method</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BadDebtReserveReclassificationFromReserveToTaxableIncome" xlink:to="byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl2" xlink:title="label: BadDebtReserveReclassificationFromReserveToTaxableIncome to byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_AlternativeMinimumTaxCreditCarryforwardMember" xlink:label="AlternativeMinimumTaxCreditCarryforwardMember" xlink:title="AlternativeMinimumTaxCreditCarryforwardMember" />
    <link:label xlink:type="resource" xlink:label="byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl" xml:lang="en-US" id="byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl">Tax credit carryforwards which include the alternative minimum tax.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AlternativeMinimumTaxCreditCarryforwardMember" xlink:to="byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl" xlink:title="label: AlternativeMinimumTaxCreditCarryforwardMember to byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl1" xml:lang="en-US" id="byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl1">Alternative Minimum Tax Credit Carryforward [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AlternativeMinimumTaxCreditCarryforwardMember" xlink:to="byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl1" xlink:title="label: AlternativeMinimumTaxCreditCarryforwardMember to byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl2" xml:lang="en-US" id="byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl2">Alternative Minimum Tax Credit Carryforward [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AlternativeMinimumTaxCreditCarryforwardMember" xlink:to="byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl2" xlink:title="label: AlternativeMinimumTaxCreditCarryforwardMember to byfc_AlternativeMinimumTaxCreditCarryforwardMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount" xlink:label="EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount" xlink:title="EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount" />
    <link:label xlink:type="resource" xlink:label="byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl" xml:lang="en-US" id="byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl">Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to merger-related expenses.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount" xlink:to="byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl" xlink:title="label: EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount to byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl1" xml:lang="en-US" id="byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl1">Effective Income Tax Rate Reconciliation, Merger Related Expenses, Amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount" xlink:to="byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl1" xlink:title="label: EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount to byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl2" xml:lang="en-US" id="byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl2">Merger-related expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount" xlink:to="byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl2" xlink:title="label: EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount to byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount" xlink:label="EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount" xlink:title="EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount" />
    <link:label xlink:type="resource" xlink:label="byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl" xml:lang="en-US" id="byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl">Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to earnings (loss) from bank owned life insurance.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount" xlink:to="byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl" xlink:title="label: EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount to byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl1" xml:lang="en-US" id="byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl1">Effective Income Tax Rate Reconciliation, Earnings (Losses) from Bank Owned Life Insurance, Amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount" xlink:to="byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl1" xlink:title="label: EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount to byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl2" xml:lang="en-US" id="byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl2">Earnings from bank owned life insurance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount" xlink:to="byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl2" xlink:title="label: EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount to byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_EffectOfAbstract" xlink:label="EffectOfAbstract" xlink:title="EffectOfAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_EffectOfAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_EffectOfAbstract_lbl1" xml:lang="en-US" id="byfc_EffectOfAbstract_lbl1">Effect of [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EffectOfAbstract" xlink:to="byfc_EffectOfAbstract_lbl1" xlink:title="label: EffectOfAbstract to byfc_EffectOfAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_EffectOfAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_EffectOfAbstract_lbl2" xml:lang="en-US" id="byfc_EffectOfAbstract_lbl2">Effect of [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EffectOfAbstract" xlink:to="byfc_EffectOfAbstract_lbl2" xlink:title="label: EffectOfAbstract to byfc_EffectOfAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_AccrualStatusMember" xlink:label="AccrualStatusMember" xlink:title="AccrualStatusMember" />
    <link:label xlink:type="resource" xlink:label="byfc_AccrualStatusMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_AccrualStatusMember_lbl" xml:lang="en-US" id="byfc_AccrualStatusMember_lbl">Represents those loans that are classified as accrual status due to compliance with terms or high likelihood of collectability.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccrualStatusMember" xlink:to="byfc_AccrualStatusMember_lbl" xlink:title="label: AccrualStatusMember to byfc_AccrualStatusMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_AccrualStatusMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_AccrualStatusMember_lbl1" xml:lang="en-US" id="byfc_AccrualStatusMember_lbl1">Accrual Status [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccrualStatusMember" xlink:to="byfc_AccrualStatusMember_lbl1" xlink:title="label: AccrualStatusMember to byfc_AccrualStatusMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_AccrualStatusMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_AccrualStatusMember_lbl2" xml:lang="en-US" id="byfc_AccrualStatusMember_lbl2">Accrual Status [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccrualStatusMember" xlink:to="byfc_AccrualStatusMember_lbl2" xlink:title="label: AccrualStatusMember to byfc_AccrualStatusMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans" xlink:label="AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans" xlink:title="AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans" />
    <link:label xlink:type="resource" xlink:label="byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl" xml:lang="en-US" id="byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl">Amount of allowance to cover probable credit losses on loans for which the terms have been modified in troubled debt restructurings.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans" xlink:to="byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl" xlink:title="label: AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans to byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl1" xml:lang="en-US" id="byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl1">Allowance for Credit Losses Related to Troubled Debt Restructured Loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans" xlink:to="byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl1" xlink:title="label: AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans to byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl2" xml:lang="en-US" id="byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl2">Specific reserves allocated to TDRs</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans" xlink:to="byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl2" xlink:title="label: AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans to byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments" xlink:label="FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments" xlink:title="FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments" />
    <link:label xlink:type="resource" xlink:label="byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl" xml:lang="en-US" id="byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl">Period of receipt of timely payments after which a financing receivable that has been modified in a troubled debt restructuring and is on non-accrual status can typically be returned to accrual status, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments" xlink:to="byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl" xlink:title="label: FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments to byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl1" xml:lang="en-US" id="byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl1">Financing Receivable Modifications Return to Accrual Status Period of Timely Payments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments" xlink:to="byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl1" xlink:title="label: FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments to byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl2" xml:lang="en-US" id="byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl2">Timely payment period for return to accrual status</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments" xlink:to="byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl2" xlink:title="label: FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments to byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_TroubledDebtRestructuringsAbstract" xlink:label="TroubledDebtRestructuringsAbstract" xlink:title="TroubledDebtRestructuringsAbstract" />
    <link:label xlink:type="resource" xlink:label="byfc_TroubledDebtRestructuringsAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_TroubledDebtRestructuringsAbstract_lbl1" xml:lang="en-US" id="byfc_TroubledDebtRestructuringsAbstract_lbl1">Troubled Debt Restructurings [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TroubledDebtRestructuringsAbstract" xlink:to="byfc_TroubledDebtRestructuringsAbstract_lbl1" xlink:title="label: TroubledDebtRestructuringsAbstract to byfc_TroubledDebtRestructuringsAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_NonAccrualStatusMember" xlink:label="NonAccrualStatusMember" xlink:title="NonAccrualStatusMember" />
    <link:label xlink:type="resource" xlink:label="byfc_NonAccrualStatusMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_NonAccrualStatusMember_lbl" xml:lang="en-US" id="byfc_NonAccrualStatusMember_lbl">Represents those loans that are classified as non-accrual status due to delinquency or low likelihood of collectability.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NonAccrualStatusMember" xlink:to="byfc_NonAccrualStatusMember_lbl" xlink:title="label: NonAccrualStatusMember to byfc_NonAccrualStatusMember_lbl" />
    <link:label xlink:type="resource" xlink:label="byfc_NonAccrualStatusMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_NonAccrualStatusMember_lbl1" xml:lang="en-US" id="byfc_NonAccrualStatusMember_lbl1">Non Accrual Status [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NonAccrualStatusMember" xlink:to="byfc_NonAccrualStatusMember_lbl1" xlink:title="label: NonAccrualStatusMember to byfc_NonAccrualStatusMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="byfc_NonAccrualStatusMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="byfc_NonAccrualStatusMember_lbl2" xml:lang="en-US" id="byfc_NonAccrualStatusMember_lbl2">Non-accrual Status [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NonAccrualStatusMember" xlink:to="byfc_NonAccrualStatusMember_lbl2" xlink:title="label: NonAccrualStatusMember to byfc_NonAccrualStatusMember_lbl2" />
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    <link:label xlink:type="resource" xlink:label="byfc_OfficeServicesAndSuppliesExpense_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_OfficeServicesAndSuppliesExpense_lbl1" xml:lang="en-US" id="byfc_OfficeServicesAndSuppliesExpense_lbl1">Office Services and Supplies Expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OfficeServicesAndSuppliesExpense" xlink:to="byfc_OfficeServicesAndSuppliesExpense_lbl1" xlink:title="label: OfficeServicesAndSuppliesExpense to byfc_OfficeServicesAndSuppliesExpense_lbl1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OfficeServicesAndSuppliesExpense" xlink:to="byfc_OfficeServicesAndSuppliesExpense_lbl2" xlink:title="label: OfficeServicesAndSuppliesExpense to byfc_OfficeServicesAndSuppliesExpense_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_VotingCommonStockMember" xlink:label="VotingCommonStockMember" xlink:title="VotingCommonStockMember" />
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    <link:label xlink:type="resource" xlink:label="byfc_VotingCommonStockMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="byfc_VotingCommonStockMember_lbl1" xml:lang="en-US" id="byfc_VotingCommonStockMember_lbl1">Voting Common Stock [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VotingCommonStockMember" xlink:to="byfc_VotingCommonStockMember_lbl1" xlink:title="label: VotingCommonStockMember to byfc_VotingCommonStockMember_lbl1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VotingCommonStockMember" xlink:to="byfc_VotingCommonStockMember_lbl2" xlink:title="label: VotingCommonStockMember to byfc_VotingCommonStockMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="byfc-20201231.xsd#byfc_UnearnedESOPSharesCost" xlink:label="UnearnedESOPSharesCost" xlink:title="UnearnedESOPSharesCost" />
    <link:label xlink:type="resource" xlink:label="byfc_UnearnedESOPSharesCost_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="byfc_UnearnedESOPSharesCost_lbl" xml:lang="en-US" id="byfc_UnearnedESOPSharesCost_lbl">Cost of unearned shares that qualify as permanent equity that are held by an employee stock ownership plan (ESOP).</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SingleFamilyLoanMember" xlink:to="byfc_SingleFamilyLoanMember_lbl2" xlink:title="label: SingleFamilyLoanMember to byfc_SingleFamilyLoanMember_lbl2" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MultifamilyLoanMember" xlink:to="byfc_MultifamilyLoanMember_lbl1" xlink:title="label: MultifamilyLoanMember to byfc_MultifamilyLoanMember_lbl1" />
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</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>25
<FILENAME>byfc-20201231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
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end
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>27
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117939387704">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Document and Entity Information - USD ($)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Mar. 26, 2021</div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">BROADWAY FINANCIAL CORP \DE\<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001001171<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">10-K<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec. 31,  2020<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
<td class="text">2020<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
<td class="text">FY<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">CA<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityWellKnownSeasonedIssuer', window );">Entity Well-known Seasoned Issuer</a></td>
<td class="text">No<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_dei_EntityVoluntaryFilers', window );">Entity Voluntary Filers</a></td>
<td class="text">No<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCurrentReportingStatus', window );">Entity Current Reporting Status</a></td>
<td class="text">Yes<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_dei_EntityInteractiveDataCurrent', window );">Entity Interactive Data Current</a></td>
<td class="text">Yes<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFilerCategory', window );">Entity Filer Category</a></td>
<td class="text">Non-accelerated Filer<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_dei_EntitySmallBusiness', window );">Entity Small Business</a></td>
<td class="text">true<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_dei_EntityShellCompany', window );">Entity Shell Company</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityPublicFloat', window );">Entity Public Float</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 54,555,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=byfc_VotingCommonStockMember', window );">Common Stock Voting [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">19,142,498<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_NonvotingCommonStockMember', window );">Common Stock Non-Voting [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,756,396<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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_CurrentFiscalYearEndDate</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:gMonthDayItemType</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_DocumentFiscalPeriodFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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_DocumentFiscalPeriodFocus</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fiscalPeriodItemType</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_DocumentFiscalYearFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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_DocumentFiscalYearFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gYearItemType</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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>
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<td>xbrli:dateItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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<td>dei:submissionTypeItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.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_EntityCommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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_EntityCommonStockSharesOutstanding</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:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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_EntityCurrentReportingStatus</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:yesNoItemType</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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.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_EntityFilerCategory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.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_EntityFilerCategory</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:filerCategoryItemType</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_EntityInteractiveDataCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-T<br> -Number 232<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="top.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_EntityInteractiveDataCurrent</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:yesNoItemType</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_EntityPublicFloat">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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_EntityPublicFloat</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:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.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_EntityShellCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.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_EntityShellCompany</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_EntitySmallBusiness">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicates that the company is a Smaller Reporting Company (SRC).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.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_EntitySmallBusiness</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_EntityVoluntaryFilers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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_EntityVoluntaryFilers</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:yesNoItemType</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_EntityWellKnownSeasonedIssuer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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_EntityWellKnownSeasonedIssuer</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:yesNoItemType</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_us-gaap_StatementClassOfStockAxis=byfc_VotingCommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=byfc_VotingCommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_NonvotingCommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_NonvotingCommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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</html>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117941060904">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Statements of Financial Condition - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from banks</a></td>
<td class="nump">$ 71,110<span></span>
</td>
<td class="nump">$ 3,016<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositsInBanks', window );">Interest-bearing deposits in other banks</a></td>
<td class="nump">24,999<span></span>
</td>
<td class="nump">12,550<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">96,109<span></span>
</td>
<td class="nump">15,566<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Investment securities available-for-sale, at fair value</a></td>
<td class="nump">10,698<span></span>
</td>
<td class="nump">11,006<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Loans receivable held for investment, net of allowance of $3,215 and $3,182</a></td>
<td class="nump">360,129<span></span>
</td>
<td class="nump">397,847<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestReceivable', window );">Accrued interest receivable</a></td>
<td class="nump">1,202<span></span>
</td>
<td class="nump">1,223<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankStock', window );">Federal Home Loan Bank (FHLB) stock</a></td>
<td class="nump">3,431<span></span>
</td>
<td class="nump">2,916<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Office properties and equipment, net</a></td>
<td class="nump">2,540<span></span>
</td>
<td class="nump">2,783<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsurance', window );">Bank owned life insurance</a></td>
<td class="nump">3,147<span></span>
</td>
<td class="nump">3,100<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxAssetsNet', window );">Deferred tax assets, net</a></td>
<td class="nump">5,633<span></span>
</td>
<td class="nump">5,220<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments', window );">Investment in affordable housing limited partnership</a></td>
<td class="nump">58<span></span>
</td>
<td class="nump">163<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">431<span></span>
</td>
<td class="nump">545<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">483,378<span></span>
</td>
<td class="nump">440,369<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Deposits</a></td>
<td class="nump">315,630<span></span>
</td>
<td class="nump">297,724<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">FHLB advances</a></td>
<td class="nump">110,500<span></span>
</td>
<td class="nump">84,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubordinatedDebt', window );">Junior subordinated debentures</a></td>
<td class="nump">3,315<span></span>
</td>
<td class="nump">4,335<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance', window );">Advance payments by borrowers for taxes and insurance</a></td>
<td class="nump">787<span></span>
</td>
<td class="nump">1,033<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesAndOtherLiabilities', window );">Accrued expenses and other liabilities</a></td>
<td class="nump">4,261<span></span>
</td>
<td class="nump">4,429<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">434,493<span></span>
</td>
<td class="nump">391,521<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingencies', window );">Commitments and Contingencies (Note 16)</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Stockholders' Equity:</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock, $.01 par value, authorized 1,000,000 shares; none issued or outstanding</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
<td class="nump">46,851<span></span>
</td>
<td class="nump">46,426<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">7,783<span></span>
</td>
<td class="nump">8,425<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_UnearnedESOPSharesCost', window );">Unearned Employee Stock Ownership Plan (ESOP) shares</a></td>
<td class="num">(893)<span></span>
</td>
<td class="num">(959)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive income (loss), net of tax</a></td>
<td class="nump">164<span></span>
</td>
<td class="num">(23)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValue', window );">Treasury stock-at cost, 2,617,826 shares at December 31, 2020 and at December 31, 2019</a></td>
<td class="num">(5,326)<span></span>
</td>
<td class="num">(5,326)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total stockholders' equity</a></td>
<td class="nump">48,885<span></span>
</td>
<td class="nump">48,848<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders' equity</a></td>
<td class="nump">483,378<span></span>
</td>
<td class="nump">440,369<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=byfc_VotingCommonStockMember', window );">Common Stock Voting [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Stockholders' Equity:</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock</a></td>
<td class="nump">219<span></span>
</td>
<td class="nump">218<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_NonvotingCommonStockMember', window );">Common Stock Non-Voting [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Stockholders' Equity:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock</a></td>
<td class="nump">$ 87<span></span>
</td>
<td class="nump">$ 87<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_UnearnedESOPSharesCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cost of unearned shares that qualify as permanent equity that are held by an employee stock ownership plan (ESOP).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_UnearnedESOPSharesCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedLiabilitiesAndOtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expenses incurred but not yet paid nor invoiced, and liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AccruedLiabilitiesAndOtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e637-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669686-108580<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121370832&amp;loc=SL117420844-207641<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=121370832&amp;loc=SL117420844-207641<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e681-108580<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 65<br> -Paragraph 15<br> -Subparagraph (g)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121322162&amp;loc=SL121327923-165333<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AdditionalPaidInCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount of accumulated prepayments received by financial institutions from borrowers for taxes (for example, property taxes) and insurance (for example, property and catastrophe) which will periodically be remitted to the appropriate governmental agency or vendor on behalf of the borrower.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15(5))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvancesFromFederalHomeLoanBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AdvancesFromFederalHomeLoanBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in qualified affordable housing projects.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 740<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=116633289&amp;loc=SL49122993-202985<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -URI http://asc.fasb.org/extlink&amp;oid=121559654&amp;loc=d3e5710-111685<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=116870748&amp;loc=SL6758485-165988<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_AvailableForSaleSecuritiesDebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121558606&amp;loc=SL82898722-210454<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=d3e26610-111562<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AvailableForSaleSecuritiesDebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsurance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_BankOwnedLifeInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3044-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121566466&amp;loc=d3e6676-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CashAndDueFromBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingencies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.25)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.(a),19)<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.17)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 450<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121557415&amp;loc=d3e14326-108349<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CommitmentsAndContingencies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CommonStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after allocation of valuation allowances and deferred tax liability, of deferred tax asset attributable to deductible differences and carryforwards, with jurisdictional netting.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=120406818&amp;loc=d3e31931-109318<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=120406818&amp;loc=d3e31917-109318<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredIncomeTaxAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 325<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=75031641&amp;loc=d3e63345-112809<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositsInBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=117340910&amp;loc=d3e59706-112781<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestBearingDepositsInBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.8)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=116870748&amp;loc=SL6758485-165988<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -URI http://asc.fasb.org/extlink&amp;oid=121559654&amp;loc=d3e5710-111685<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19-26)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121559654&amp;loc=d3e5710-111685<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_LiabilitiesAndStockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LiabilitiesAndStockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(14))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PropertyPlantAndEquipmentNet</td>
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<td>instant</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 65<br> -Paragraph 15<br> -Subparagraph (g)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121322162&amp;loc=SL121327923-165333<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121370832&amp;loc=SL117420844-207641<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=121370832&amp;loc=SL117420844-207641<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_RetainedEarningsAccumulatedDeficit</td>
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<td>us-gaap_</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockholdersEquity</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockholdersEquityAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubordinatedDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SubordinatedDebt</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23315-112656<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29,30)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=byfc_VotingCommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=byfc_VotingCommonStockMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Data Type:</strong></td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117939166440">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Statements of Financial Condition (Parenthetical) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets:</strong></a></td>
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<td class="nump">$ 3,215<span></span>
</td>
<td class="nump">$ 3,182<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>Stockholders' Equity:</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized (in shares)</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued (in shares)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares outstanding (in shares)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockShares', window );">Treasury stock, shares (in shares)</a></td>
<td class="nump">2,617,826<span></span>
</td>
<td class="nump">2,617,826<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=byfc_VotingCommonStockMember', window );">Common Stock Voting [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>Stockholders' Equity:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">50,000,000<span></span>
</td>
<td class="nump">50,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">21,899,584<span></span>
</td>
<td class="nump">21,729,249<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common stock, shares outstanding (in shares)</a></td>
<td class="nump">19,281,758<span></span>
</td>
<td class="nump">19,111,423<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_NonvotingCommonStockMember', window );">Common Stock Non-Voting [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>Stockholders' Equity:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">25,000,000<span></span>
</td>
<td class="nump">25,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">8,756,396<span></span>
</td>
<td class="nump">8,756,396<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common stock, shares outstanding (in shares)</a></td>
<td class="nump">8,756,396<span></span>
</td>
<td class="nump">8,756,396<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of common stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CommonStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CommonStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)(1)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=121614798&amp;loc=d3e15032-111544<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 4<br> -Subparagraph (SAB Topic 6.L.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74567-122707<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PreferredStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PreferredStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PreferredStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PreferredStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityNumberOfSharesParValueAndOtherDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockholdersEquityNumberOfSharesParValueAndOtherDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_TreasuryStockShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29,30)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TreasuryStockShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=byfc_VotingCommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=byfc_VotingCommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_NonvotingCommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_NonvotingCommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117939423912">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Operations and Comprehensive (Loss) Income - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperatingAbstract', window );"><strong>Interest Income:</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Interest and fees on loans receivable</a></td>
<td class="nump">$ 17,016<span></span>
</td>
<td class="nump">$ 15,845<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecurities', window );">Interest on investment securities</a></td>
<td class="nump">253<span></span>
</td>
<td class="nump">359<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherInterestAndDividendIncome', window );">Other interest income</a></td>
<td class="nump">375<span></span>
</td>
<td class="nump">643<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest income</a></td>
<td class="nump">17,644<span></span>
</td>
<td class="nump">16,847<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseAbstract', window );"><strong>Interest Expense:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Interest on deposits</a></td>
<td class="nump">3,163<span></span>
</td>
<td class="nump">4,276<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseBorrowings', window );">Interest on borrowings</a></td>
<td class="nump">2,312<span></span>
</td>
<td class="nump">2,110<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Total interest expense</a></td>
<td class="nump">5,475<span></span>
</td>
<td class="nump">6,386<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income before loan loss provision recapture</a></td>
<td class="nump">12,169<span></span>
</td>
<td class="nump">10,461<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Loan loss (provision) recapture</a></td>
<td class="num">(29)<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income after loan loss (provision) recapture</a></td>
<td class="nump">12,140<span></span>
</td>
<td class="nump">10,468<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeAbstract', window );"><strong>Non-Interest Income:</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax', window );">Service charges</a></td>
<td class="nump">420<span></span>
</td>
<td class="nump">491<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSalesOfLoansNet', window );">Net gain on sales of loans</a></td>
<td class="nump">276<span></span>
</td>
<td class="nump">204<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenueNotFromContractWithCustomer', window );">CDFI Grant</a></td>
<td class="nump">203<span></span>
</td>
<td class="nump">233<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other</a></td>
<td class="nump">126<span></span>
</td>
<td class="nump">124<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total non-interest income</a></td>
<td class="nump">1,025<span></span>
</td>
<td class="nump">1,052<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpenseAbstract', window );"><strong>Non-Interest Expense:</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Compensation and benefits</a></td>
<td class="nump">8,362<span></span>
</td>
<td class="nump">7,357<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OccupancyNet', window );">Occupancy expense</a></td>
<td class="nump">1,288<span></span>
</td>
<td class="nump">1,265<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InformationTechnologyAndDataProcessing', window );">Information services</a></td>
<td class="nump">937<span></span>
</td>
<td class="nump">888<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfessionalFees', window );">Professional services</a></td>
<td class="nump">2,299<span></span>
</td>
<td class="nump">1,144<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_OfficeServicesAndSuppliesExpense', window );">Office services and supplies</a></td>
<td class="nump">354<span></span>
</td>
<td class="nump">280<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanProcessingFee', window );">Loan related expenses</a></td>
<td class="nump">115<span></span>
</td>
<td class="nump">163<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GeneralInsuranceExpense', window );">Corporate insurance</a></td>
<td class="nump">126<span></span>
</td>
<td class="nump">133<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization', window );">Amortization of investment in affordable housing limited partnership</a></td>
<td class="nump">105<span></span>
</td>
<td class="nump">179<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other</a></td>
<td class="nump">628<span></span>
</td>
<td class="nump">662<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total non-interest expense</a></td>
<td class="nump">14,214<span></span>
</td>
<td class="nump">12,071<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Loss before income tax benefits</a></td>
<td class="num">(1,049)<span></span>
</td>
<td class="num">(551)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax benefits</a></td>
<td class="num">(407)<span></span>
</td>
<td class="num">(345)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net loss</a></td>
<td class="num">(642)<span></span>
</td>
<td class="num">(206)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract', window );"><strong>Other comprehensive income, net of tax:</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax', window );">Unrealized gains on securities available-for-sale arising during the period</a></td>
<td class="nump">266<span></span>
</td>
<td class="nump">369<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1', window );">Income tax expense</a></td>
<td class="nump">79<span></span>
</td>
<td class="nump">109<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income, net of tax</a></td>
<td class="nump">187<span></span>
</td>
<td class="nump">260<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive (loss) income</a></td>
<td class="num">$ (455)<span></span>
</td>
<td class="nump">$ 54<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Loss per common share-basic (in dollars per share)</a></td>
<td class="num">$ (0.02)<span></span>
</td>
<td class="num">$ (0.01)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Loss per common share-diluted (in dollars per share)</a></td>
<td class="num">$ (0.02)<span></span>
</td>
<td class="num">$ (0.01)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_OfficeServicesAndSuppliesExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense associated with office services and supplies that were used during the current accounting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_OfficeServicesAndSuppliesExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization expense of investment in qualified affordable housing projects.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 740<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=116633289&amp;loc=SL49122993-202985<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ComprehensiveIncomeNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(24))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e557-108580<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(26))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669625-108580<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ComprehensiveIncomeNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22583-107794<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1448-109256<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22595-107794<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1337-109256<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=120380238&amp;loc=d3e4984-109258<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=120380238&amp;loc=d3e3842-109258<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22644-107794<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1252-109256<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=SL5780133-109256<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=120380238&amp;loc=d3e4984-109258<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22644-107794<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=120380238&amp;loc=d3e3842-109258<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1252-109256<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22595-107794<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22583-107794<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=SL5780133-109256<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1337-109256<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_GainLossOnSalesOfLoansNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.3(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_GainLossOnSalesOfLoansNet</td>
</tr>
<tr>
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<tr>
<td><strong> Balance Type:</strong></td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GeneralInsuranceExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The expense in the period incurred with respect to protection provided by insurance entities against risks other than risks associated with production (which are allocated to cost of sales).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_GeneralInsuranceExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of income (loss) from continuing operations before deduction of income tax expense (benefit) and income (loss) attributable to noncontrolling interest, and addition of income (loss) from equity method investments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8924-108599<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32672-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22663-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120385591&amp;loc=d3e38679-109324<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22658-107794<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InformationTechnologyAndDataProcessing">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses incurred in the period for information technology and data processing products and services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InformationTechnologyAndDataProcessing</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<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_us-gaap_InterestAndDividendIncomeOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestAndDividendIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperatingAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestAndDividendIncomeOperatingAbstract</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of operating dividend and interest income, including amortization and accretion of premiums and discounts, on securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestAndDividendIncomeSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansAndLeases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestAndFeeIncomeLoansAndLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=119993939&amp;loc=d3e28555-108399<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (210.5-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestExpenseAbstract</td>
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<td>duration</td>
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</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate amount of interest expense on all borrowings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.7,8)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestExpenseBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_InterestExpenseDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate amount of interest expense on all deposits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestExpenseDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_InterestIncomeExpenseNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net amount of operating interest income (expense).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestIncomeExpenseNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_LaborAndRelatedExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(b)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LaborAndRelatedExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_LoanProcessingFee">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expenses paid for obtaining loans which includes expenses such as application and origination fees.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoanProcessingFee</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8924-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 4: 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-SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22583-107794<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -URI 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<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_NoninterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NoninterestExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NoninterestExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_NoninterestIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NoninterestIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NoninterestIncomeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeOtherOperatingIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of revenue earned, classified as other, excluding interest income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-03(1)(e))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868656-224227<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NoninterestIncomeOtherOperatingIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_OccupancyNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121616839&amp;loc=d3e45280-112737<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OccupancyNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of other comprehensive income (loss) attributable to parent entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669625-108580<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=109239629&amp;loc=SL4573702-111684<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=108774443&amp;loc=SL4569643-111683<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=108774443&amp;loc=SL4569616-111683<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<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_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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<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_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of tax expense (benefit) allocated to other comprehensive income (loss) attributable to parent entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=108774443&amp;loc=SL4569643-111683<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=108774443&amp;loc=SL4569616-111683<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=109239629&amp;loc=SL4573702-111684<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<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_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax and adjustment, of unrealized holding gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale). Excludes unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e637-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27357-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_OtherInterestAndDividendIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after discount, accretion and premium amortization, of interest income and dividend income classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OtherInterestAndDividendIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of noninterest expense classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OtherNoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<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_us-gaap_ProfessionalFees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 946<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07.2(a),(b),(c),(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=120401555&amp;loc=SL114874292-224272<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 946<br> -SubTopic 220<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (k)<br> -URI http://asc.fasb.org/extlink&amp;oid=118262090&amp;loc=SL114874205-224268<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProfessionalFees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProvisionForLoanLossesExpensed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of credit loss expense (reversal of expense) for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919249-210447<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProvisionForLoanLossesExpensed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding tax collected from customer, of revenue from satisfaction of performance obligation by transferring promised good or service to customer. Tax collected from customer is tax assessed by governmental authority that is both imposed on and concurrent with specific revenue-producing transaction, including, but not limited to, sales, use, value added and excise.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 40<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e9031-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 41<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e9038-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121604090&amp;loc=SL49130543-203045<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 42<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e9054-108599<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121604090&amp;loc=SL49130545-203045<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 924<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 11.L)<br> -URI http://asc.fasb.org/extlink&amp;oid=6472922&amp;loc=d3e499488-122856<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_RevenueNotFromContractWithCustomer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of revenue that is not accounted for under Topic 606.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_RevenueNotFromContractWithCustomer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117941378632">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Statements of Changes in Stockholders' Equity - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Common Stock [Member]</div></th>
<th class="th"><div>Additional Paid-in Capital [Member]</div></th>
<th class="th"><div>Retained Earnings [Member]</div></th>
<th class="th"><div>Unearned ESOP Shares [Member]</div></th>
<th class="th"><div>Accumulated Other Comprehensive Loss, Net [Member]</div></th>
<th class="th"><div>Treasury Stock [Member]</div></th>
<th class="th"><div>Total</div></th>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2018</a></td>
<td class="nump">$ 300<span></span>
</td>
<td class="nump">$ 46,141<span></span>
</td>
<td class="nump">$ 8,631<span></span>
</td>
<td class="num">$ (1,027)<span></span>
</td>
<td class="num">$ (283)<span></span>
</td>
<td class="num">$ (5,326)<span></span>
</td>
<td class="nump">$ 48,436<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Balance (in shares) at Dec. 31, 2018</a></td>
<td class="nump">30,036,624<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward', window );"><strong>Increase (Decrease) in Stockholders' Equity [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net loss</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(206)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueIssuedForServices', window );">Common stock issued for services</a></td>
<td class="nump">$ 1<span></span>
</td>
<td class="nump">52<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">53<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesIssuedForServices', window );">Common stock issued for services (in shares)</a></td>
<td class="nump">42,168<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue', window );">Common stock repurchased for tax withholdings</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="num">(14)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(14)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares', window );">Common stock repurchased for tax withholdings (in shares)</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueEmployeeStockOwnershipPlan', window );">Release of unearned ESOP shares</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">68<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">65<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeReclassificationAdjustmentsNetOfTax', window );">Change in unrealized gain on securities available-for-sale, net of tax</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">260<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">260<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures', window );">Restricted stock compensation expense, net of forfeitures</a></td>
<td class="nump">$ 4<span></span>
</td>
<td class="nump">212<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">216<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures', window );">Restricted stock compensation expense, net of forfeitures (in shares)</a></td>
<td class="nump">406,853<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">38<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">38<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2019</a></td>
<td class="nump">$ 305<span></span>
</td>
<td class="nump">46,426<span></span>
</td>
<td class="nump">8,425<span></span>
</td>
<td class="num">(959)<span></span>
</td>
<td class="num">(23)<span></span>
</td>
<td class="num">(5,326)<span></span>
</td>
<td class="nump">48,848<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Balance (in shares) at Dec. 31, 2019</a></td>
<td class="nump">30,485,645<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward', window );"><strong>Increase (Decrease) in Stockholders' Equity [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net loss</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(642)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(642)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueIssuedForServices', window );">Common stock issued for services</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">45<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">45<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesIssuedForServices', window );">Common stock issued for services (in shares)</a></td>
<td class="nump">30,930<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueEmployeeStockOwnershipPlan', window );">Release of unearned ESOP shares</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">66<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">68<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeReclassificationAdjustmentsNetOfTax', window );">Change in unrealized gain on securities available-for-sale, net of tax</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">187<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">187<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures', window );">Restricted stock compensation expense, net of forfeitures</a></td>
<td class="nump">$ 1<span></span>
</td>
<td class="nump">339<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">340<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures', window );">Restricted stock compensation expense, net of forfeitures (in shares)</a></td>
<td class="nump">139,405<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">39<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">39<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2020</a></td>
<td class="nump">$ 306<span></span>
</td>
<td class="nump">$ 46,851<span></span>
</td>
<td class="nump">$ 7,783<span></span>
</td>
<td class="num">$ (893)<span></span>
</td>
<td class="nump">$ 164<span></span>
</td>
<td class="num">$ (5,326)<span></span>
</td>
<td class="nump">$ 48,885<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Balance (in shares) at Dec. 31, 2020</a></td>
<td class="nump">30,655,980<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase to additional paid-in capital (APIC) for recognition of cost for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=120383193&amp;loc=d3e11149-113907<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5047-113901<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=120383193&amp;loc=d3e11178-113907<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 35<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121326096&amp;loc=d3e4534-113899<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncreaseDecreaseInStockholdersEquityRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
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-SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22583-107794<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -URI 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<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeReclassificationAdjustmentsNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax and before adjustment, of unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669646-108580<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeReclassificationAdjustmentsNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_SharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued which are neither cancelled nor held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesIssuedForServices">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued in lieu of cash for services contributed to the entity. Number of shares includes, but is not limited to, shares issued for services contributed by vendors and founders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockIssuedDuringPeriodSharesIssuedForServices</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued during the period related to Restricted Stock Awards, net of any shares forfeited.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueEmployeeStockOwnershipPlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate value of stock issued during the period as a result of employee stock ownership plan (ESOP).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 25<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=109244457&amp;loc=d3e16649-113920<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockIssuedDuringPeriodValueEmployeeStockOwnershipPlan</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueIssuedForServices">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value of stock issued in lieu of cash for services contributed to the entity. Value of the stock issued includes, but is not limited to, services contributed by vendors and founders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockIssuedDuringPeriodValueIssuedForServices</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value of stock related to Restricted Stock Awards issued during the period, net of the stock value of such awards forfeited.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares that have been repurchased and retired during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockRepurchasedAndRetiredDuringPeriodShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the value of stock that has been repurchased and retired during the period. The excess of the purchase price over par value can be charged against retained earnings (once the excess is fully allocated to additional paid in capital).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockRepurchasedAndRetiredDuringPeriodValue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">us-gaap_StockholdersEquity</td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117939408680">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Cash Flows - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
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<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash flows from operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="num">$ (642)<span></span>
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<td class="num">$ (206)<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">29<span></span>
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<td class="num">(7)<span></span>
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<td class="nump">0<span></span>
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<td class="nump">13<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation</a></td>
<td class="nump">121<span></span>
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<td class="nump">227<span></span>
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</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_ReversalOfValuationAllowanceOnLoanHeldForSale', window );">Reversal of valuation allowance on loan held for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(12)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet', window );">Net amortization of deferred loan origination costs</a></td>
<td class="nump">275<span></span>
</td>
<td class="nump">254<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments', window );">Net amortization of premiums on mortgage-backed securities</a></td>
<td class="nump">37<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization', window );">Amortization of investment in affordable housing limited partnership</a></td>
<td class="nump">105<span></span>
</td>
<td class="nump">179<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense', window );">ESOP compensation expense</a></td>
<td class="nump">68<span></span>
</td>
<td class="nump">65<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsuranceIncome', window );">Earnings on bank owned life insurance</a></td>
<td class="num">(47)<span></span>
</td>
<td class="num">(53)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale', window );">Originations of loans receivable held for sale</a></td>
<td class="num">(118,626)<span></span>
</td>
<td class="num">(15,182)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfLoansHeldForSale', window );">Proceeds from sales and repayments of loans receivable held for sale</a></td>
<td class="nump">105,211<span></span>
</td>
<td class="nump">23,074<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfLoansAndLeases', window );">Gain on sale of loans receivable held for sale</a></td>
<td class="num">(276)<span></span>
</td>
<td class="num">(204)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract', window );"><strong>Changes in operating assets and liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes', window );">Net change in deferred taxes</a></td>
<td class="num">(492)<span></span>
</td>
<td class="num">(284)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInInterestAndDividendsReceivable', window );">Net change in accrued interest receivable</a></td>
<td class="nump">21<span></span>
</td>
<td class="num">(80)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Net change in other assets</a></td>
<td class="nump">114<span></span>
</td>
<td class="nump">124<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsuranceClassifiedAsOperatingActivities', window );">Net change in advance payments by borrowers for taxes and insurance</a></td>
<td class="num">(246)<span></span>
</td>
<td class="num">(22)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities', window );">Net change in accrued expenses and other liabilities</a></td>
<td class="nump">369<span></span>
</td>
<td class="nump">310<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash (used in) provided by operating activities</a></td>
<td class="num">(13,555)<span></span>
</td>
<td class="nump">8,533<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash flows from investing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromLoansAndLeases', window );">Net change in loans receivable held for investment</a></td>
<td class="nump">51,105<span></span>
</td>
<td class="num">(43,983)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities', window );">Principal payments on available-for-sale securities</a></td>
<td class="nump">2,537<span></span>
</td>
<td class="nump">4,055<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt', window );">Purchases of available-for-sale municipal bonds</a></td>
<td class="num">(2,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment', window );">Proceeds from sales of REO</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">820<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock', window );">Purchase of FHLB stock</a></td>
<td class="num">(742)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock', window );">Redemption of FHLB stock</a></td>
<td class="nump">227<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Additions to office properties and equipment</a></td>
<td class="num">(415)<span></span>
</td>
<td class="num">(41)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
<td class="nump">50,712<span></span>
</td>
<td class="num">(39,149)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash flows from financing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Net change in deposits</a></td>
<td class="nump">17,906<span></span>
</td>
<td class="nump">16,310<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings', window );">Proceeds from FHLB advances</a></td>
<td class="nump">60,000<span></span>
</td>
<td class="nump">22,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings', window );">Repayments on FHLB advances</a></td>
<td class="num">(33,500)<span></span>
</td>
<td class="num">(8,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation', window );">Payment for tax withholding for vesting of restricted stock</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(14)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfSubordinatedDebt', window );">Repayments of junior subordinated debentures</a></td>
<td class="num">(1,020)<span></span>
</td>
<td class="num">(765)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
<td class="nump">43,386<span></span>
</td>
<td class="nump">29,531<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect', window );">Net change in cash and cash equivalents</a></td>
<td class="nump">80,543<span></span>
</td>
<td class="num">(1,085)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash and cash equivalents at beginning of the year</a></td>
<td class="nump">15,566<span></span>
</td>
<td class="nump">16,651<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash and cash equivalents at end of the year</a></td>
<td class="nump">96,109<span></span>
</td>
<td class="nump">15,566<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SupplementalCashFlowInformationAbstract', window );"><strong>Supplemental disclosures of cash flow information:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPaidNet', window );">Cash paid for interest</a></td>
<td class="nump">5,771<span></span>
</td>
<td class="nump">6,336<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaidNet', window );">Cash paid for income taxes</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">13<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract', window );"><strong>Supplemental disclosures of non-cash investing and financing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1', window );">Transfers of loans receivable held for sale to loans receivable held for investment</a></td>
<td class="nump">13,691<span></span>
</td>
<td class="nump">9,227<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1', window );">Transfers of loans receivable held for investment to loans receivable held for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">10,684<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_StockExchangedForPaymentOfTaxWithholding', window );">Common stock exchanged for payment of tax withholding</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets', window );">Initial recognition of operating lease right-to-use assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,120<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_IncreaseDecreaseInOperatingLeaseLiabilities', window );">Initial recognition of operating lease liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,120<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=byfc_LongTermIncentivePlanParticipantsExcludingDirectorsMember', window );">Employees, excluding Directors [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net loss to net cash provided by operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation expense</a></td>
<td class="nump">379<span></span>
</td>
<td class="nump">254<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=srt_DirectorMember', window );">Directors [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net loss to net cash provided by operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation expense</a></td>
<td class="nump">$ 45<span></span>
</td>
<td class="nump">$ 53<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsuranceClassifiedAsOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in prepayments received from borrowers for taxes and insurance remitted to the appropriate tax authority or insurer on behalf of the borrower, classified as operating activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsuranceClassifiedAsOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_byfc_IncreaseDecreaseInOperatingLeaseLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating lease liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_IncreaseDecreaseInOperatingLeaseLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating lease right-to-use assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_IncreaseDecreaseInOperatingLeaseRightToUseAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_byfc_ReversalOfValuationAllowanceOnLoanHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the amount for reversal of valuation allowance on loan held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_ReversalOfValuationAllowanceOnLoanHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_byfc_StockExchangedForPaymentOfTaxWithholding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of stock exchanged for payment of tax withholding in noncash financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_StockExchangedForPaymentOfTaxWithholding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization expense of investment in qualified affordable housing projects.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 740<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=116633289&amp;loc=SL49122993-202985<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net increase(decrease) in interest income during the period representing the allocation of deferred loan origination fees less deferred loan origination costs using the effective interest method over the term of the debt arrangement to which they pertain taking into account the effect of prepayments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 35<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121604886&amp;loc=d3e8622-111531<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AmortizationOfDeferredLoanOriginationFeesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_BankOwnedLifeInsuranceIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_BankOwnedLifeInsuranceIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash and cash equivalents, and cash and cash equivalents restricted to withdrawal or usage. Excludes amount for disposal group and discontinued operations. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3044-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=SL98516268-108586<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in cash, cash equivalents, and cash and cash equivalents restricted to withdrawal or usage; including effect from exchange rate change. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=98513438&amp;loc=d3e33268-110906<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_Depreciation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_Depreciation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of plan compensation cost recognized during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfLoansAndLeases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans and leases that were sold during the reporting period. This element refers to the gain (loss) and not to the cash proceeds of the sales. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_GainLossOnSaleOfLoansAndLeases</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaidNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income, net of any cash received during the current period as refunds for the overpayment of taxes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=d3e4297-108586<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeTaxesPaidNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in accrued expenses, and obligations classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in the account that represents the temporary difference that results from Income or Loss that is recognized for accounting purposes but not for tax purposes and vice versa.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncreaseDecreaseInDeferredIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</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_us-gaap_IncreaseDecreaseInDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3095-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121551529&amp;loc=d3e60009-112784<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncreaseDecreaseInDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncreaseDecreaseInInterestAndDividendsReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in the aggregate amount due to the entity in the form of unpaid interest and dividends.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncreaseDecreaseInInterestAndDividendsReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncreaseDecreaseInOperatingCapitalAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_InterestPaidNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash paid for interest, excluding capitalized interest, classified as operating activity. Includes, but is not limited to, payment to settle zero-coupon bond for accreted interest of debt discount and debt instrument with insignificant coupon interest rate in relation to effective interest rate of borrowing attributable to accreted interest of debt discount.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=d3e4297-108586<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 17<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3367-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3536-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestPaidNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_NetCashProvidedByUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetCashProvidedByUsedInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_NetCashProvidedByUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetCashProvidedByUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<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_us-gaap_NetCashProvidedByUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3536-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetCashProvidedByUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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</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_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8924-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 4: 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-SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22583-107794<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -URI 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<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash paid for the origination of mortgages that are held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3536-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 21<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3461-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsForProceedsFromLoansAndLeases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e24072-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PaymentsForProceedsFromLoansAndLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow to satisfy grantee's tax withholding obligation for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow to acquire investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3213-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3151-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=d3e26853-111562<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow to acquire Federal Home Loan Bank (FHLB) stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3213-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PaymentsToAcquireFederalHomeLoanBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3213-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from Federal Home Loan Bank (FHLBank) borrowing, classified as financing activity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProceedsFromFederalHomeLoanBankBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from maturity, prepayment and call of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=d3e26853-111562<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3151-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from sale of Federal Home Loan Bank (FHLB) stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromSaleOfLoansHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow resulting from the sale of loans classified as held-for-sale, including proceeds from loans sold through mortgage securitization.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3337-108585<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 21<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3461-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProceedsFromSaleOfLoansHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cash received from the sale of real estate that is held for investment, that is, it is part of an investing activity during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProvisionForLoanAndLeaseLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense related to estimated loss from loan and lease transactions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProvisionForLoanAndLeaseLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_RealEstateOwnedValuationAllowanceProvision1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense recognized in the income statement for a decrease in valuation of real estate owned (REO).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_RealEstateOwnedValuationAllowanceProvision1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow for repayment of Federal Home Loan Bank (FHLBank) borrowing, classified as financing activity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_RepaymentsOfSubordinatedDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow from the repayment of long-term borrowing where a lender is placed in a lien position behind debt having a higher priority of repayment (senior) in case of liquidation of the entity's assets or underlying collateral.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_RepaymentsOfSubordinatedDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_ShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense for share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_SupplementalCashFlowInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SupplementalCashFlowInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value of loans held-for-sale transferred to loans held in the entity's portfolio in noncash transactions.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value of loans and leases held in the entity's portfolio transferred to loans and leases held-for-sale in noncash transactions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=d3e4304-108586<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=d3e4332-108586<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=d3e4313-108586<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117945255736">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Summary of Significant Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SignificantAccountingPoliciesTextBlock', window );">Summary of Significant Accounting Policies</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 1 &#8211; Summary of Significant Accounting Policies</div><div>&#160;</div><div style="text-align: justify;"><u>Nature of Operations and Principles of Consolidation</u></div><div>&#160;</div><div style="text-align: justify;">Broadway Financial Corporation (the &#8220;Company&#8221;) is a Delaware corporation primarily engaged in the savings and loan business through its wholly owned subsidiary, Broadway Federal Bank, f.s.b. (the &#8220;Bank&#8221;). The Bank&#8217;s business is that of a financial intermediary and consists primarily of attracting deposits from the general public and using such deposits, together with borrowings and other funds, to make mortgage loans secured by residential and commercial real estate located in Southern California. At December 31, 2020, the Bank operated two retail&#8209;banking offices in Los Angeles, California and one in the nearby city of Inglewood, California. The Bank is subject to significant competition from other financial institutions and is also subject to regulation by certain federal agencies and undergoes periodic examinations by those regulatory authorities.</div><div>&#160;</div><div style="text-align: justify;">The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Broadway Federal Bank, f.s.b. All significant inter&#8209;company transactions and balances have been eliminated in consolidation.</div><div>&#160;</div><div style="text-align: justify;"><u>Use of Estimates</u></div><div>&#160;</div><div style="text-align: justify;">To prepare consolidated financial statements in conformity with U.S. generally accepted accounting principles (&#8220;GAAP&#8221;), management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the consolidated financial statements and the disclosures provided, and actual results could differ from these estimates. The allowance and provision for loan losses, specific reserves for impaired loans, fair value of real estate owned, deferred tax asset valuation allowance, and fair values of investment securities and other financial instruments are particularly subject to change.</div><div>&#160;</div><div style="text-align: justify;"><u>Cash and Cash Equivalents</u></div><div>&#160;</div><div style="text-align: justify;">Cash and cash equivalents include cash on hand, cash items in the process of collection, amounts due from correspondent banks and the Federal Reserve Bank of San Francisco (the &#8220;Federal Reserve Bank&#8221;), and interest&#8209;bearing deposits in other banks with initial terms of ninety days or less. The Company may be required to maintain reserve and clearing balances with the Federal Reserve Bank under the Federal Reserve Act of 1913, as amended. Effective on March 26, 2020, as a part of Federal Reserve Bank&#8217;s tools to promote maximum employment, Federal Reserve Bank Board reduced reserve requirement ratios to zero.&#160; The reserve and clearing requirement balance was no longer required at December 31, 2020. Net cash flows are reported for customer loan and deposit transactions, interest&#8209;bearing deposits in other banks, deferred income taxes and other assets and liabilities.</div><div>&#160;</div><div style="text-align: justify;"><u>Investment Securities</u></div><div>&#160;</div><div style="text-align: justify;">Debt securities are classified as held&#8209;to&#8209;maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities are classified as available&#8209;for&#8209;sale when they might be sold before maturity. Securities available&#8209;for&#8209;sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income (loss), net of tax.</div><div>&#160;</div><div style="text-align: justify;">Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level&#8209;yield method without anticipating prepayments. Gains and losses on sales are recorded on the trade date and determined using the specific identification method.</div><div>&#160;</div><div style="text-align: justify;">Management evaluates securities for other&#8209;than&#8209;temporary impairment (&#8220;OTTI&#8221;) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Consideration is given to the financial condition and near&#8209;term prospects of the issuer, the length of time and the extent to which the fair value has been less than the cost, and the intent and ability of management to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer&#8217;s financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer&#8217;s financial condition.</div><div>&#160;</div><div style="text-align: justify;"><u>Loans Receivable Held for Sale</u></div><div>&#160;</div><div style="text-align: justify;">The Bank originates loans for sale, and may, from time&#8209;to&#8209;time, decide to retain certain loans for held for investment in order to manage loan concentrations. When a decision is made to retain loans held-for-sale for held-for-investment, such loans are transferred from held&#8209;for&#8209;sale portfolio to held&#8209;for&#8209;investment portfolio at the lower of cost or fair value. If a reduction in value is required at time of the transfer, a charge&#8209;off is recorded against the allowance for loan and lease losses (&#8220;ALLL&#8221;). Any subsequent decline in value of the loans is recorded as a valuation allowance with a corresponding charge to non&#8209;interest expense.</div><div>&#160;</div><div style="text-align: justify;">Transfers of loans are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been legally isolated from the Bank, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right), to pledge or exchange the transferred assets, and provides no more than a trivial benefit to the Bank, and (3) the Bank does not maintain effective control over the transferred assets.</div><div>&#160;</div><div style="text-align: justify;">Loans receivable held for sale are generally sold with servicing rights released. Gains and losses on sales of loans are based on the difference between the selling price and the carrying value of the related loan sold. When loans receivable held for sale are sold, existing deferred loan fees or costs are an adjustment of the gain or loss on sale.</div><div>&#160;</div><div style="text-align: justify;"><u>Loans Receivable Held for Investment</u></div><div>&#160;</div><div style="text-align: justify;">Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of allowance for loan losses, deferred loan fees and costs and unamortized premiums and discounts. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct loan origination costs, premiums and discounts are deferred, and recognized in income using the level&#8209;yield method without anticipating prepayments.</div><div>&#160;</div><div style="text-align: justify;">Interest income on all loans is discontinued at the time the loan is 90 days delinquent unless the loan is well&#8209;secured and in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on non&#8209;accrual or charged&#8209;off at an earlier date if collection of principal or interest is considered doubtful.</div><div>&#160;</div><div style="text-align: justify;">All interest accrued but not received for loans placed on non&#8209;accrual is reversed against interest income. Interest received on such loans is accounted for on the cash&#8209;basis or cost recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.</div><div>&#160;</div><div style="text-align: justify;"><u>Concentration of Credit Risk</u></div><div>&#160;</div><div style="text-align: justify;">Concentrations of credit risk arise when several customers are engaged in similar business activities, or activities in the same geographic region, or have similar economic features that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. The Company&#8217;s lending activities are predominantly in real estate loans that are secured by properties located in Southern California and many of the borrowers reside in Southern California. Therefore, the Company&#8217;s exposure to credit risk is significantly affected by changes in the economy and real estate market in the Southern California area.</div><div>&#160;</div><div style="text-align: justify;">The Company has a significant concentration of deposits with two long&#8209;time customers that accounted for approximately 13% of its deposits as of December 31, 2020. The Company expects to maintain the relationships with the customers for the near term.</div><div>&#160;</div><div style="text-align: justify;"><u>Loans Purchased</u></div><div>&#160;</div><div style="text-align: justify;">The Bank purchases or participates in loans originated by other institutions from time to time. Subject to regulatory restrictions applicable to savings institutions, the Bank&#8217;s current loan policies allow all loan types to be purchased. The determination to purchase specific loans or pools of loans is based upon the Bank&#8217;s investment needs and market opportunities and is subject to the Bank&#8217;s underwriting policies, which require consideration of the financial condition of the borrower and the appraised value of the property, among other factors. Premiums or discounts incurred upon the purchase of loans are recognized in income using the interest method over the estimated life of the loans, adjusted for actual prepayments. No loans were purchased during 2020 and 2019.</div><div>&#160;</div><div style="text-align: justify;"><u>Allowance for Loan Losses</u></div><div>&#160;</div><div style="text-align: justify;">The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent cash recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management&#8217;s judgment, could be charged off.</div><div>&#160;</div><div style="text-align: justify;">The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (&#8220;TDR&#8221;) and classified as impaired.</div><div>&#160;</div><div style="text-align: justify;">Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on case&#8209;by&#8209;case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.</div><div>&#160;</div><div style="text-align: justify;">If a loan is impaired, either a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan&#8217;s existing rate or alternatively a charge&#8209;off is taken to record the loan at the fair value of the collateral, less estimated selling costs, if repayment is expected solely from the collateral.</div><div>&#160;</div><div style="text-align: justify;">TDRs are individually evaluated for impairment and included in the separately identified impairment disclosures. TDRs are measured at the present value of estimated future cash flows using the loan&#8217;s effective rate at inception. If a TDR is a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs that subsequently default, the Company determines the amount of any necessary additional charge&#8209;off based on internal analyses and appraisals of the underlying collateral securing these loans.</div><div>&#160;</div><div style="text-align: justify;">The general component covers loans that are collectively evaluated for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment with the use of a loss migration analysis and is based on the actual loss history experienced by the Company over the most recent five years. This actual loss experience is supplemented with information about other current economic factors based on the risks present for each portfolio segment. These current economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge&#8209;offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.</div><div>&#160;</div><div style="text-align: justify;">The following portfolio segments have been identified: one&#8209;to&#8209;four units (&#8220;single family&#8221;), five or more units (&#8220;multi&#8209;family&#8221;), commercial real estate, church, construction, commercial loans, and consumer loans. The risks in our various portfolio segments are as follows:</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Single Family</font> &#8211; Subject to adverse employment conditions in the local economy leading to increased default rate, decreased market values from oversupply in a geographic area and&#160; incremental rate increases on adjustable rate mortgages which may impact the ability of borrowers to maintain payments.</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Multi&#8209;Family</font> &#8211; Subject to adverse various market conditions that cause a decrease in market value or lease rates, changes in personal funding sources for tenants, oversupply of units in a specific region, population shifts and reputational risks.</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Commercial Real Estate</font> &#8211; Subject to adverse conditions in the local economy which may lead to reduced cash flows due to vacancies and reduced rental rates, and decreases in the value of underlying collateral.</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Church</font> &#8211; Subject to adverse economic and employment conditions, which may lead to reduced cash flows from members&#8217; donations and offerings, and the stability, quality and popularity of church leadership.</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Construction</font> &#8211; Subject to adverse conditions in the local economy, which may lead to reduced demand for new commercial, multi&#8209;family or single family buildings or reduced lease or sale opportunities once the building is complete.</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Commercial</font> &#8211; Subject to industry and economic conditions including decreases in product demand.</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Consumer</font> &#8211; Subject to adverse employment conditions in the local economy, which may lead to higher default rates.</div><div>&#160;</div><div style="text-align: justify;"><u>Real Estate Owned</u></div><div>&#160;</div><div style="text-align: justify;">Assets acquired through, or by deed in lieu of, loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through a provision that is charged to non&#8209;interest expense. Operating costs after acquisition are expensed as incurred.</div><div>&#160;</div><div style="text-align: justify;"><u>Office Properties and Equipment</u></div><div>&#160;</div><div style="text-align: justify;">Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight&#8209;line method with useful lives ranging from 10 to 40 years. Furniture, fixtures and equipment are depreciated using the straight&#8209;line method with useful lives ranging from 3 to 10 years. Leasehold improvements are amortized over the lease term or the estimated useful life of the asset, whichever is shorter.</div><div>&#160;</div><div style="text-align: justify;"><u>Federal Home Loan Bank (FHLB) stock</u></div><div>&#160;</div><div style="text-align: justify;">The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income when declared.</div><div>&#160;</div><div style="text-align: justify;"><u>Bank&#8209;Owned Life Insurance</u></div><div>&#160;</div><div style="text-align: justify;">The Bank has purchased life insurance policies on a former key executive. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.</div><div>&#160;</div><div style="text-align: justify;"><u>Investment in Affordable Housing Limited Partnership</u></div><div>&#160;</div><div style="text-align: justify;">The Bank owns a less than 5% interest in an affordable housing limited partnership. The investment is recorded using the cost method and is being amortized over the life of the related tax credits. The tax credits are being recognized in income tax expense in the consolidated financial statements to the extent they are utilized on the Company&#8217;s income tax returns. The investment is reviewed for impairment on an annual basis or on an interim basis if an event occurs that would trigger potential impairment.</div><div>&#160;</div><div style="text-align: justify;"><u>Loan Commitments and Related Financial Instruments</u></div><div>&#160;</div><div style="text-align: justify;">Financial instruments include off&#8209;balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.</div><div>&#160;</div><div style="text-align: justify;"><u>Revenue Recognition</u></div><div>&#160;</div><div style="text-align: justify;">Accounting Standard Codification (&#8220;ASC&#8221;) 606, Revenue from Contracts with Customers (&#8220;ASC 606&#8221;), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity&#8217;s contracts to provide goods or services to customers. The core principle requires the Company to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. Most of our revenue&#8209;generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans and investment securities, as these activities are subject to other GAAP discussed elsewhere within our disclosures. The Company&#8217;s revenue stream that is within the scope of Topic 606 is primarily service charges on deposit accounts, which consist of monthly service fees, check orders, and other deposit account related fees. The Company&#8217;s performance obligation for monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees are largely transaction based, and therefore, the Company&#8217;s performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers&#8217; accounts.</div><div>&#160;</div><div style="text-align: justify;"><u>Stock&#8209;Based Compensation</u></div><div>&#160;</div><div style="text-align: justify;">Compensation cost is recognized for stock options and restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. A Black&#8209;Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company&#8217;s common stock at the date of grant is used for restricted stock awards.</div><div>&#160;</div><div style="text-align: justify;">Compensation cost is recognized over the required service period, generally defined as the vesting period. Compensation cost is recognized on a straight&#8209;line basis over the requisite service period for the entire award. 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ESOP shares are considered outstanding for this calculation unless unearned. Diluted earnings per share of common stock includes the dilutive effect of unvested stock awards using treasury stock method and additional potential common shares issuable under stock options.</div><div>&#160;</div><div style="text-align: justify;"><u>Comprehensive Income (Loss)</u></div><div>&#160;</div><div style="text-align: justify;">Comprehensive income (loss) consists of net income (loss) and other comprehensive income or loss. 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Management does not believe that any such matters existed as of the balance sheet date that will have a material effect on the consolidated financial statements.</div><div>&#160;</div><div style="text-align: justify;"><u>Fair Value Measurements</u></div><div>&#160;</div><div style="text-align: justify;">Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:</div><div>&#160;</div><div style="text-align: justify;">Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.</div><div>&#160;</div><div style="text-align: justify;">Level 2: Significant observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.</div><div>&#160;</div><div style="text-align: justify;">Level 3: Significant unobservable inputs that reflect a company&#8217;s own assumptions about the assumptions that market participants would use in pricing an asset or liability.</div><div>&#160;</div><div style="text-align: justify;">Fair values are estimated using relevant market information and other assumptions, as more fully disclosed in Note 8. 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The Company has determined that banking is its one reportable business segment.</div><div>&#160;</div><div style="text-align: justify;"><u>Reclassifications</u></div><div>&#160;</div><div style="text-align: justify;">Some items in the prior year consolidated financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year consolidated net income or stockholders&#8217; equity.</div><div>&#160;</div><div style="text-align: justify;"><u>Recently Adopted Accounting Pronouncements</u></div><div>&#160;</div><div style="text-align: justify;">In August 2018, the Federal Accounting Standards Board (&#8220;FASB&#8221;) issued Accounting Standards Update (&#8220;ASU&#8221;) No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. The ASU was issued to improve the effectiveness of disclosures surrounding fair value measurements. The ASU removes numerous disclosures from Topic 820 including transfers between level 1 and 2 of the fair value hierarchy, the policy for timing of transfers between levels, and the valuation process for level 3 fair value measurements. The ASU also modified and added disclosure requirements regarding changes in unrealized gains and losses included in other comprehensive income, as well as the range and weighted average of unobservable inputs for level 3 fair value measurements. The ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019, with early adoption permitted. The guidance did not have a significant impact on the Company's consolidated financial statements.</div><div>&#160;</div><div style="text-align: justify;">In March 2020, the FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU provides optional expedients and exceptions regarding the accounting related to the modifications of certain contracts, relationships and other transactions that are affected by reference rate reform related to contracts that reference LIBOR or other reference rates that could be discontinued due to reference rate reform.&#160; This guidance was effective immediately and the amendments may be applied prospectively through December 31, 2022.</div><div>&#160;</div><div style="text-align: justify;"><u>Accounting Pronouncements Yet to Be Adopted &#8211;</u></div><div>&#160;</div><div style="text-align: justify;">In June 2016, the FASB issued ASU 2016-13, &#8220;Financial Instruments &#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.&#8221;&#160; ASU 2016-13 replaces the incurred loss model with an expected loss model, which is referred to as the current expected credit loss (CECL) model.&#160; The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables, held-to-maturity debt securities, and reinsurance receivables. It also applies to off-balance sheet credit exposures not accounted for as insurance (such as loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor.&#160; For debt securities with other-than-temporary impairment, the guidance will be applied prospectively.&#160; Existing purchased credit impaired (PCI) assets will be grandfathered and classified as purchased credit deteriorated (PCD) assets at the date of adoption.&#160; The asset will be grossed up for the allowance for expected credit losses for all PCD assets at the date of adoption and will continue to recognize the noncredit discount in interest income based on the yield of such assets as of the adoption date.&#160; Subsequent changes in expected credit losses will be recorded through the allowance.&#160; For all other assets within the scope of CECL, a cumulative-effect adjustment will be recognized in retained earnings as of the beginning of the first reporting period in which the guidance is effective.</div><div>&#160;</div><div style="text-align: justify;">On October 16, 2019, the FASB voted to affirm the proposed amended effective date for ASU 2016-13 for smaller reporting companies (&#8220;SRCs&#8221;) as defined by the SEC. The final ASU, which was issued in November 2019, delays the implementation date for ASU 2016-13 to fiscal years beginning after December 15, 2022. SRCs are defined as companies with less than $250 million of public float or less than $100 million in annual revenues for the previous year and no public float or public float of less than $700 million.&#160; The Company qualifies as an SRC, and management will implement ASU 2016-13 in the first quarter of 2023.&#160; The estimated financial impact has not yet been determined.</div><div>&#160;</div><div style="text-align: justify;">In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments - Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments.&#160; This ASU is effective January 1, 2020 and clarifies the scope of the credit losses standard and addresses issues related to accrued interest receivable balances, recoveries, variable interest rates and prepayments, among other things. The amendments to Topic 326 have the same effective dates as ASU 2016-13. This guidance did not have a significant impact on the Company's consolidated financial statements.</div><div>&#160;</div><div style="text-align: justify;">In May 2019, the FASB issued ASU No. 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief. This ASU allows entities to irrevocably elect the fair value option on an instrument-by-instrument basis for eligible financial assets measured at amortized cost basis upon adoption of the credit loss standards. The effective date for this ASU is the same as for ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations.</div><div>&#160;</div><div style="text-align: justify;">In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes. This ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. The amendments in this ASU are intended to simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740. The amendments are also intended to improve consistent application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidance. We are currently in the process of evaluating the impact of this ASU on the Company&#8217;s consolidated financial statements.</div></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Pending Acquisition<br></strong></div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessCombinationsAbstract', window );"><strong>Pending Acquisition [Abstract]</strong></a></td>
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<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">NOTE 2 &#8211; Pending Acquisition</div><div>&#160;</div><div style="text-align: justify;">On August 25, 2020, the Company entered into an Agreement and Plan of Merger (the &#8220;Merger Agreement&#8221;) with CFBanc Corporation, a District of Columbia benefit corporation (&#8220;City First&#8221;). The Merger Agreement provides that, among other things and subject to the terms and conditions of the Merger Agreement, City First will merge with and into the Company (the &#8220;City First Merger&#8221;), with the Company surviving and continuing as the surviving entity. At the effective time of the City First Merger, (1) each share of City First&#8217;s Class A Common Stock, par value $0.50 per share, and Class B Common Stock, par value $0.50 per share, issued and outstanding immediately prior to the Effective Time (other than any shares owned by City First or the Company and any Dissenting Shares (as defined in the Merger Agreement)) will be converted into 13.626 validly issued, fully paid and nonassessable shares, respectively, of the voting common stock of the Company, par value $0.01 per share, which will be renamed Class A Common Stock, and a new class of non-voting common stock of the Company, par value $0.01 per share, which will be named Class B Common Stock, and (2) each share of Fixed Rate Cumulative Redeemable Perpetual Preferred Stock, Series B, par value $0.50 per share, of City First (&#8220;City First Preferred Stock&#8221;) issued and outstanding immediately prior to the effective time of the City First Merger will be converted into one validly issued, fully paid and non-assessable share of a new series of preferred stock of the Company, which new series will be designated as the Company&#8217;s Fixed Rate Cumulative Redeemable Perpetual Preferred Stock, Series A, with such rights, preferences, privileges and voting powers, and limitations and restrictions thereof, which taken as a whole, are not materially less favorable to the holders of City First Preferred Stock than the rights, preferences, privileges and voting powers, and limitations and restrictions thereof of City First Preferred Stock. Immediately following the City First Merger, the Bank will merge with and into City First Bank of D.C., National Association (&#8220;CFB&#8221;), a wholly owned subsidiary of City First, with CFB continuing as the surviving entity.</div><div><br /></div><div style="text-align: justify;">On March 17, 2021, the stockholders of the Company and the stockholders of City First voted to approve the merger as described above. 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for a business combination (or series of individually immaterial business combinations) completed during the period, including background, timing, and recognized assets and liabilities. The disclosure may include leverage buyout transactions (as applicable).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -URI http://asc.fasb.org/topic&amp;trid=2303972<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117945217832">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Securities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock', window );">Securities</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 3 &#8211; Securities</div><div>&#160;</div><div style="text-align: justify;">The following table summarizes the amortized cost and fair value of the available&#8209;for&#8209;sale investment securities portfolios at December 31, 2020 and December 31, 2019 and the corresponding amounts of unrealized gains (losses) which are recognized in accumulated other comprehensive income:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; 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width: 1%; border-bottom: #000000 double 4px;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;"><div><div style="font-family: &amp;quot;">11,006</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td></tr></table><div>&#160;</div><div style="text-align: justify;">At December 31, 2020, the Bank had two federal agency debt securities with a total amortized cost of $2.7 million and estimated total fair value of $2.9 million and an estimated average remaining life of 5.0 years. The Bank also had 22 federal agency mortgage&#8209;backed securities with total amortized cost of $5.6 million, estimated total fair value of $5.8 million and an estimated average remaining life of 2.8 years. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties.&#160; In 2020, the Bank purchased five municipal bonds with a total amortized cost of $2.0 million, estimated fair value of $2.0 million at December 31, 2020 and an estimated average remaining life of 6.4 years.</div><div>&#160;</div><div style="text-align: justify;">At December 31, 2020 and 2019, there were no securities pledged to secure public deposits since those public deposits are under $250 thousand which are fully insured by FDIC. 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for  investments in certain debt and equity securities.</p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Receivable Held for Sale<br></strong></div></th>
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<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 4 &#8211; Loans Receivable Held for Sale</div><div>&#160;</div><div style="text-align: justify;">The Bank had no loans held for sale as of December 31, 2020 and 2019.&#160; Multi-family loans held for sale totaling $13.7 million were transferred to the loans held for investment portfolio during 2020 at the lower of cost or fair value.&#160; Loan sales of $22.8 million in multi&#8209;family loans were completed during 2020 for a total gain of $276 thousand. Loan sales of $22.8 million were completed during 2019 for a gain of $204 thousand.&#160; Loan repayments totaled $637 thousand during 2020 and $115 thousand during 2019.</div></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Receivable Held for Investment<br></strong></div></th>
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vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">439</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">81</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">(501</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div style="font-family: &amp;quot;">)</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">29</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">1</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">1</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">(7</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div style="font-family: &amp;quot;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;"><div style="text-indent: -7.2pt; 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background-color: #CCEEFF;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">260</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 4px; background-color: #CCEEFF;"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot;">Ending balance</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">133</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -URI http://asc.fasb.org/subtopic&amp;trid=2196816<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Office Properties and Equipment, net<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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width: 1%; padding-bottom: 2px;"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>(3,615</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"><div><div>)</div></div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Office properties and equipment, net</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>2,540</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>2,783</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for long-lived, physical asset used in normal conduct of business and not intended for resale. Includes, but is not limited to, work of art, historical treasure, and similar asset classified as collections.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 958<br> -SubTopic 360<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=120429125&amp;loc=d3e99893-112916<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -URI http://asc.fasb.org/topic&amp;trid=2155823<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 958<br> -SubTopic 360<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=120429125&amp;loc=SL120174063-112916<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 958<br> -SubTopic 360<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120429125&amp;loc=d3e99779-112916<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117945365672">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Leases<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeasesTextBlock', window );">Leases</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><font style="font-weight: bold;">Note 7 </font>&#8211;<font style="font-weight: bold;"> Leases</font></div><div><br /></div><div style="text-align: justify;">The Bank has a combined operating lease for its corporate headquarters and main retail branch and a photocopier lease. The ROU asset and operating lease liability are recorded in fixed assets and other liabilities, respectively, in the consolidated statements of financial condition.</div><div><br /></div><div style="text-align: justify;">Our ROU asset represents our right to use an underlying asset during the lease term. Operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate at the date of implementation of the new accounting standard.</div><div><br /></div><div style="text-align: justify;">The operating lease for our corporate headquarters and main retail branch has one 5-year extension option at the then fair market rate. As this extension option is not reasonably certain of exercise, it is not included in the lease term. The Bank recorded a ROU asset of $190 thousand and an operating lease liability of $194 thousand as of December 31, 2020. The Bank has no finance leases.</div><div><br /></div><div style="text-align: justify;">Rent expense under the operating leases was $598 thousand for 2020 and $600 thousand for 2019.</div><div>&#160;</div><div>Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands):</div><div><br /></div><table align="left" border="0" cellpadding="0" cellspacing="0" style="width: 80%; color: #000000; font-size: 10pt; text-align: left;"><tr><td colspan="1" valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%;"><br /></td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><div style="text-align: center;">Year Ended</div><div style="text-align: center; font-style: normal;">December 31, 2020</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 65%;"><br /></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 65%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Cash paid for amounts included in the measurement of&#160; lease liabilities for operating leases:</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"><div>351</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 65%;"><div style="text-indent: -9pt; margin-left: 9pt;">ROU assets obtained in exchange for lease liabilities</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"><div>190</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Weighted average remaining lease term in months</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"><div style="font-family: 'Times New Roman';">4</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%;"><div style="text-indent: -9pt; margin-left: 9pt;">Weighted average discount rate</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;">2.75</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">%</td></tr></table><div style="clear: both;"><br /></div><div style="text-align: justify;">The future minimum payments for operating leases with remaining terms of one year or more as of December 31, 2020 were as follows (in thousands):</div><div><br /></div><table align="left" border="0" cellpadding="0" cellspacing="0" style="width: 70%; color: #000000; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: top; width: 58%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"><div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;">Year ended December 31, 2021</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">$<br /></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><div>195</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 58%;"><div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;">Total Future Minimum Lease Payments</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>195</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 58%; background-color: rgb(204, 238, 255);"><div style="text-align: justify; text-indent: -9pt; margin-left: 18pt;">Amounts Representing Interest</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><div>(1</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"><div><u>)</u></div></td></tr><tr><td valign="bottom" style="vertical-align: top; padding-bottom: 4px; width: 58%;"><div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;">Present Value of Net Future Minimum Lease Payments</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div>194</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for operating leases of lessee. Includes, but is not limited to, description of operating lease and maturity analysis of operating lease liability.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -URI http://asc.fasb.org/subtopic&amp;trid=77888251<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140118038937688">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value [Abstract]</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresTextBlock', window );">Fair Value</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 8 &#8211; Fair Value</div><div>&#160;</div><div style="text-align: justify;">The Company used the following methods and significant assumptions to estimate fair value:</div><div>&#160;</div><div style="text-align: justify;">The fair values of securities available&#8209;for&#8209;sale are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs) or matrix pricing, which is a mathematical technique to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities&#8217; relationship to other benchmark quoted securities (Level 2 inputs).</div><div>&#160;</div><div style="text-align: justify;">The fair value of impaired loans that are collateral dependent is generally based upon the fair value of the collateral, which is obtained from recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.</div><div>&#160;</div><div style="text-align: justify;">Assets acquired through or by transfer in lieu of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at the lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated every nine months. These appraisals may utilize a single valuation approach or a combination of approaches, including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly.</div><div>&#160;</div><div style="text-align: justify;">Appraisals for collateral&#8209;dependent impaired loans are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. 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border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Fair Value Measurement</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 55%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Quoted Prices</div><div style="text-align: center; font-weight: bold;">in Active</div><div style="text-align: center; font-weight: bold;">Markets for</div><div style="text-align: center; font-weight: bold;">Identical</div><div style="text-align: center; font-weight: bold;">Assets</div><div style="text-align: center; font-weight: bold;">(Level 1)</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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font-weight: bold;">Inputs</div><div style="text-align: center; font-weight: bold;">(Level 3)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Total</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 55%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="11" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 55%;"><div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">At December 31, 2020:</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 9%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; 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width: 9%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 55%;"><div style="text-indent: -9pt; margin-left: 18pt;">Securities available&#8209;for&#8209;sale &#8211; federal agency mortgage&#8209;backed</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: left;"><div>$<br /></div></td><td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">&#160;&#8209;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>3,050</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 9%;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>3,050</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr></table><div>&#160;</div><div style="text-align: justify;">There were no transfers between Level 1, Level 2, or Level 3 during the years ended December 31, 2020 and 2019.</div><div>&#160;</div><div style="text-align: justify; font-style: italic; font-weight: bold;">Assets Measured on a Non&#8209;Recurring Basis</div><div>&#160;</div><div style="text-align: justify;">Assets are considered to be reflected at fair value on a non&#8209;recurring basis if the fair value measurement of the instrument does not necessarily result in a change in the amount recorded on the statement of condition. Generally, a non&#8209;recurring valuation is the result of the application of other accounting pronouncements that require assets to be assessed for impairment or recorded at the lower of cost or fair value.</div><div>&#160;</div><div style="text-align: justify;">The following table provides information regarding the carrying values of our assets measured at fair value on a non&#8209;recurring basis as of the periods indicated. The fair value measurement for all these assets falls within Level 3 of the fair value hierarchy.</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">December 31, 2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">December 31, 2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 60%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);"><div style="text-indent: -7.2pt; margin-left: 7.2pt;">Impaired loans carried at fair value of collateral</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"><div>-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"><div>130</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr></table><div><br /></div><div style="text-align: justify; font-style: italic; font-weight: bold;">Fair Values of Financial Instruments</div><div>&#160;</div><div style="text-align: justify;">The carrying amounts and estimated fair values of financial instruments as of the periods indicated were as follows:</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">Carrying</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-weight: bold;">Fair Value Measurements at December 31, 2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140118029538104">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>Deposits [Abstract]</strong></a></td>
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<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 9 &#8211; Deposits</div><div>&#160;</div><div style="text-align: justify;">Deposits are summarized as follows:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;">`</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">December 31,</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; 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text-align: right; width: 9%;"><div>271</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td colspan="1" style="vertical-align: middle; width: 48%; background-color: rgb(204, 238, 255); text-align: center;"><div style="text-indent: -7.2pt; margin-left: 7.2pt;">2025</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>245</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td colspan="1" style="vertical-align: middle; width: 48%; padding-bottom: 2px; text-align: center;"><div style="text-indent: -7.2pt; 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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117942729288">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal Home Loan Bank Advances<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBanksAbstract', window );"><strong>Federal Home Loan Bank Advances [Abstract]</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesDisclosureTextBlock', window );">Federal Home Loan Bank Advances</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 10 &#8211; Federal Home Loan Bank Advances</div><div>&#160;</div><div style="text-align: justify;">The following table summarizes information relating to FHLB advances at or for the periods indicated:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">At or For the Year Ended</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; 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width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>18</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr></table><div>&#160;</div><div style="text-align: justify;">Each advance is payable at its maturity date, with a prepayment penalty. 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text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>27,500</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 48%;"><div style="text-indent: -7.2pt; margin-left: 7.2pt;">2022</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>18,000</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);"><div style="text-indent: -7.2pt; margin-left: 7.2pt;">2023</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>30,000</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 48%;"><div style="text-indent: -7.2pt; margin-left: 7.2pt;">2024</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>5,000</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div style="text-indent: -7.2pt; margin-left: 7.2pt;">2025</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>30,000</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for borrowing from the Federal Home Loan Bank, including: (i) general description; (ii) title and nature of obligation; (iii) interest rate; (iv) payment terms; (v) maturity dates by year; (vi) collateral requirements; (vii) restrictive covenants; (viii) priority; (ix) conversion or redemption features; (x) carrying value of assets pledged as collateral; (xi) combined aggregate maturities for next five years; (xii) unused or available balances.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=75038535&amp;loc=d3e64711-112823<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117939516136">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Junior Subordinated Debentures<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubordinatedBorrowingsAbstract', window );"><strong>Junior Subordinated Debentures [Abstract]</strong></a></td>
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<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 11 &#8211; Junior Subordinated Debentures</div><div>&#160;</div><div style="text-align: justify;">On March 17, 2004, the Company issued $6.0 million of Floating Rate Junior Subordinated Debentures (the &#8220;Debentures&#8221;) in a private placement to a trust that was capitalized to purchase subordinated debt and preferred stock of multiple community banks. Interest on the Debentures is payable quarterly at a rate per annum equal to the 3&#8209;Month LIBOR plus 2.54%. The interest rate is determined as of each March 17, June 17, September 17, and December 17, and was 2.77% at December 31, 2020. On October 16, 2014, the Company made payments of $900 thousand of principal on Debentures, executed a Supplemental Indenture for the Debentures that extended the maturity of the Debentures to March 17, 2024, and modified the payment terms of the remaining $5.1 million principal amount thereof. The modified terms of the Debentures require quarterly payments of interest only through March 2019 at the original rate of 3&#8209;Month LIBOR plus 2.54%. 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width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>3,315</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for borrowings under subordinated debt agreements that qualify as available in computing net capital under SEC's uniform net capital rule, including restrictive covenants, collateral, interest rates and due dates, amounts due by date and amount owed in total.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117944695928">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock', window );">Employee Benefit Plans</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 12 &#8211; Employee Benefit Plans</div><div>&#160;</div><div style="text-align: justify; font-style: italic; font-weight: bold;">Broadway Federal 401(k) Plan</div><div>&#160;</div><div style="text-align: justify;">A 401(k) benefit plan allows employee contributions for substantially all employees up to 15% of their compensation, which are matched at a rate equal to 50% of the first 6% of the compensation contributed. Expense totaled $146 thousand and $135 thousand for 2020 and 2019.</div><div>&#160;</div><div style="text-align: justify; font-style: italic; font-weight: bold;">ESOP Plan</div><div>&#160;</div><div style="text-align: justify;">Employees participate in an Employee Stock Option Plan (&#8220;ESOP&#8221;) after attaining certain age and service requirements. In December 2016, the ESOP purchased 1,493,679 shares of the Company&#8217;s common stock at $1.59 per share, for a total cost of $2.4 million, of which $1.2 million was funded with a loan from the Company. The loan will be repaid from the Bank&#8217;s annual discretionary contributions to the ESOP, net of dividends paid, over a period of 20 years. Shares of the Company&#8217;s common stock purchased by the ESOP are held in a suspense account until released for allocation to participants. When loan payments are made, shares are allocated to each eligible participant based on the ratio of each such participant&#8217;s compensation, as defined in the ESOP, to the total compensation of all eligible plan participants. As the unearned shares are released from the suspense account, the Company recognizes compensation expense equal to the fair value of the ESOP shares during the periods in which they become committed to be released. To the extent that the fair value of the ESOP shares released differs from the cost of such shares, the difference is charged or credited to equity as additional paid&#8209;in capital. Dividends on allocated shares increase participant accounts. Dividends on unallocated shares will be used to repay the loan. At the end of employment, participants will receive shares for their vested balance. Compensation expense related to the ESOP was $68 thousand for 2020 and $65 thousand for 2019.</div><div>&#160;</div><div style="text-align: justify;">Shares held by the ESOP were as follows:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">December 31,</div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">December 31,</div><div style="text-align: center; font-weight: bold;">2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(Dollars in thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Allocated to participants</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>1,065,275</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>1,024,429</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 9pt;">Committed to be released</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>10,236</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>10,416</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Suspense shares</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>562,391</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>603,876</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"><div style="text-indent: -9pt; margin-left: 18pt;">Total ESOP shares</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>1,637,902</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>1,638,721</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 18pt;">Fair value of unearned shares</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>1,040</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>930</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td></tr></table><div>&#160;</div><div style="text-align: justify;">During 2020 and 2019, 41,665 and 42,321 of ESOP shares were released for allocation to participants, respectively. The outstanding balance of unearned ESOP shares at December 31, 2020 and 2019 were $893 thousand and $959 thousand, respectively, which is shown as Unearned ESOP shares in the equity section of the consolidated statements of financial condition.</div></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for an entity's employee compensation and benefit plans, including, but not limited to, postemployment and postretirement benefit plans, defined benefit pension plans, defined contribution plans, non-qualified and supplemental benefit plans, deferred compensation, share-based compensation, life insurance, severance, health care, unemployment and other benefit plans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -URI http://asc.fasb.org/topic&amp;trid=2228938<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 712<br> -URI http://asc.fasb.org/topic&amp;trid=2197446<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 710<br> -URI http://asc.fasb.org/topic&amp;trid=2127225<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -URI http://asc.fasb.org/topic&amp;trid=2235017<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140118029464568">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 13 &#8211; Income Taxes</div><div>&#160;</div><div style="text-align: justify;">The Company and its subsidiary are subject to U.S. federal and state income taxes. Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carry forwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.</div><div>&#160;</div><div style="text-align: justify;">Income tax (benefit) expense was as follows:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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The existing 20-year carry forward period for NOLs (10 years for losses incurred in the tax years 2000 through 2007) would be extended for up to three years if losses are not used due to the NOL suspension. This means the Bank cannot take California NOL deductions for 2020-2022 if its California taxable income is more than $1 million. The life of the 2011 NOL will be extended for up to three years. This also means the Bank could have more cash tax liability for 2020-2022.</div><div>&#160;</div><div style="text-align: justify;">As of December 31, 2020, the Company had federal net operating loss carryforwards of $5.4 million and California net operating loss carryforwards of $27.0 million, which begin expiring in 2032 through 2037 and 2032 through 2037, respectively. 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During the second quarter of 2020, the Company recognized an income tax benefit of $273 thousand as a result of a favorable settlement of uncertain tax positions with the California Franchise Tax Board (&#8220;FTB&#8221;). During 2020 and 2019, zero and $8 thousand were accrued during each period for potential interest related to these unrecognized tax benefits, respectively.</div><div>&#160;</div><div style="text-align: justify;">Federal tax years 2017 through 2020 remain open for the assessment of Federal income tax. California tax years 2016 through 2020 remain open for the assessment of California franchise tax. The Company was under examination by California FTB for the 2009, 2010, and 2011 tax years. On July 15, 2020, the examination closing agreement was executed by the Company and California FTB, which resulted in a favorable settlement. The Company recognized a tax benefit of $273 thousand in 2020.</div></div><span></span>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117948463208">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 14 &#8211; Stock&#8209;Based Compensation</div><div>&#160;</div><div style="text-align: justify;">Prior to July 25, 2018, the Company issued stock&#8209;based compensation awards to its directors and employees under the 2008 Long&#8209;Term Incentive Plan (&#8220;2008 LTIP&#8221;). The 2008 LTIP permitted the grant of non&#8209;qualified and incentive stock options, stock appreciation rights, full value awards and cash incentive awards for up to 2,000,000 shares of common stock. As of July 25, 2018, the Company ceased granting awards under the 2008 LTIP.</div><div>&#160;</div><div style="text-align: justify;">On July 25, 2018, the stockholders approved the 2018 Long&#8209;Term Incentive Plan (&#8220;2018 LTIP&#8221;). As with the 2008 LTIP, the 2018 LTIP permits the grant of non&#8209;qualified and incentive stock options, stock appreciation rights, full value awards and cash incentive awards. The plan will be in effect for ten years. The maximum number of shares that can be awarded under the plan is 1,293,109 shares of common stock. 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vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px;"><div style="font-family: &amp;quot;">82,800</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td></tr></table><div style="text-align: justify;"><br /></div><div style="text-align: justify;">In February 2020 and January 2019, the Company awarded 30,930 and 42,168 shares of common stock, respectively, to its directors under the 2018 LTIP, which are fully vested.&#160; The Company recorded $45 thousand and $52 thousand of compensation expense for the years ended December 31, 2020 and December 31, 2019, respectively, based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award.</div><div>&#160;</div><div style="text-align: justify;">In February 2020 and 2019, the Company awarded 140,218 shares and 428,797 shares, of which $12,846 shares were forfeited, respectively, of restricted stock to its officers and employees under the 2018 LTIP.&#160; Each restricted stock award is valued based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award.&#160; These awarded shares of restricted stock are fully vested over a two-year period from their respective dates of grants. Stock based compensation expense is recognized on a straight-line basis over the vesting period.&#160; During 2020 and 2019, the Company recorded $340 thousand and $216 thousand of stock based compensation expense related to these awards, respectively. As of December 31, 2020, unrecognized compensation costs related to non-vested restricted stock awarded in February 2020 and 2019 were $110 thousand and $43 thousand, respectively.&#160; These unrecognized compensation costs related to non-vested restricted stock awarded in February 2020 and 2019 are expected to be recognized over a period of 14 months and 2 months, respectively.&#160; However, 140,218 shares scheduled to vest in February 2022 will become fully vested upon the closing of the City First Merger, which is expected to occur on April 1, 2021.</div></div><span></span>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140118029429288">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Capital and Regulatory Matters<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RegulatoryCapitalRequirementsAbstract', window );"><strong>Capital and Regulatory Matters [Abstract]</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Capital and Regulatory Matters</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 15 &#8211; Capital and Regulatory Matters</div><div>&#160;</div><div style="text-align: justify;">The Bank&#8217;s capital requirements are administered by the Office of the Comptroller of the Currency (&#8220;OCC&#8221;) and involve quantitative measures of assets, liabilities, and certain off&#8209;balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by the OCC. Failure to meet capital requirements can result in regulatory action.</div><div>&#160;</div><div style="text-align: justify;">The federal banking regulators approved final capital rules (&#8220;Basel III Capital Rules&#8221;) in July 2013 implementing the Basel III framework as well as certain provisions of the Dodd&#8209;Frank Act. The Basel III Capital Rules prescribe a standardized approach for calculating risk&#8209;weighted assets and revised the definition and calculation of Tier 1 capital and Total Capital, and include a new Common Equity Tier 1 capital (&#8220;CET1&#8221;) measure. Under the Basel III Capital Rules, the currently effective minimum capital ratios are:</div><div>&#160;</div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"><tr><td style="width: 36pt;"><br /></td><td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td><td style="width: auto; vertical-align: top; text-align: justify;"><div>4.5% CET1 to risk&#8209;weighted assets;</div></td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"><tr><td style="width: 36pt;"><br /></td><td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td><td style="width: auto; vertical-align: top; text-align: justify;"><div>6.0% Tier 1 capital (that is, CET1 plus Additional Tier 1 capital) to risk&#8209;weighted assets;</div></td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"><tr><td style="width: 36pt;"><br /></td><td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td><td style="width: auto; vertical-align: top; text-align: justify;"><div>8.0% Total capital (that is, Tier 1 capital plus Tier 2 capital) to risk&#8209;weighted assets; and</div></td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;"><tr><td style="width: 36pt;"><br /></td><td style="width: 18pt; vertical-align: top; align: right;">&#8226;</td><td style="width: auto; vertical-align: top; text-align: justify;"><div>4.0% Tier 1 capital to average consolidated assets (known as the &#8220;leverage ratio&#8221;).</div></td></tr></table><div>&#160;</div><div style="text-align: justify;">A capital conservation buffer was also established above the regulatory minimum capital requirements. This capital conservation buffer was phased in beginning January 1, 2016 at 0.625% of risk&#8209;weighted assets and increased each subsequent year by an additional 0.625% until it reached its final level of 2.5% on January 1, 2019.</div><div>&#160;</div><div style="text-align: justify;">The Basel III Capital rules also contained revisions to the prompt corrective action framework, which are designed to place restrictions on insured depository institutions if their capital levels begin to show signs of weakness. Under the prompt corrective action requirements, which are designed to complement the capital conservation buffer, insured depository institutions are now required to meet the following increased capital level requirements in order to qualify as &#8220;well capitalized&#8221;: (i) a CET1 capital ratio of 6.5%; (ii) a Tier 1 capital ratio of 8% (increased from 6%); (iii) a total capital ratio of 10% (unchanged from previous rules); and (iv) a Tier 1 leverage ratio of 5% (unchanged from previous rules).</div><div>&#160;</div><div style="text-align: justify;">The Basel III Capital Rules became effective for the Bank on January 1, 2015. At December 31, 2020 and 2019, the Bank&#8217;s level of capital exceeded all regulatory capital requirements and its regulatory capital ratios were above the minimum levels required to be considered well capitalized for regulatory purposes. 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.</p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117948342040">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loan Commitments and Other Related Activities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 16 &#8211; Loan Commitments and Other Related Activities</div><div>&#160;</div><div style="text-align: justify;">Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off&#8209;balance&#8209;sheet risk for credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment.</div><div>&#160;</div><div style="text-align: justify;">The contractual amounts of financial instruments with off&#8209;balance&#8209;sheet risk at year&#8209;end were as follows:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">2020</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">2019</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot;">Commitments to make loans</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">5,930</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot;">Unused lines of credit &#8211; variable rates</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div style="font-family: &amp;quot;">2,472</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div style="font-family: &amp;quot;">1,970</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr></table><div>&#160;</div><div style="text-align: justify;">Commitments to make loans are generally made for periods of 60 days or less. At December 31, 2020, the Bank did not have any commitment outstanding to originate multi-family residential loans.&#160; At December 31, 2019, loan commitments consisted of two multi&#8209;family residential loans with initial five-year interest rates ranging from 3.50% to 3.75%.</div></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for commitments and contingencies.</p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140118029429288">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company Only Condensed Financial Information<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock', window );">Parent Company Only Condensed Financial Information</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 17 &#8211; Parent Company Only Condensed Financial Information</div><div>&#160;</div><div style="text-align: justify;">Condensed financial information of Broadway Financial Corporation follows:</div><div>&#160;</div><div style="text-align: center; font-weight: bold;">Condensed Balance Sheet</div><div style="text-align: center; font-weight: bold;">December 31,</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; 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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117944513240">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loss Per Common Share<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Loss Per Common Share [Abstract]</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareTextBlock', window );">Loss Per Common Share</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 18 &#8211; Loss Per Common Share</div><div>&#160;</div><div style="text-align: justify;">The factors used in the earnings per common share computation follow:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 66%; text-indent: -9pt; margin-left: 9pt;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(Dollars in thousands,</div><div style="text-align: center; font-weight: bold;">except share and per share)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Net loss</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>(642</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>)</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>(206</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"><div style="text-indent: -9pt; margin-left: 9pt;">Less net income attributable to participating securities</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>-</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>-</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Loss available to common stockholders</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(642</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(206</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 9pt;">Weighted average common shares outstanding for basic earnings per common share</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>27,163,427</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>26,833,693</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Add: dilutive effects of unvested restricted stock awards</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>-</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; 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width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>26,833,693</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Loss per common share &#8211; basic</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(0.02</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(0.01</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"><div style="text-indent: -9pt; margin-left: 9pt;">Loss per common share &#8211; diluted</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>(0.02</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>(0.01</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"><div><div>)</div></div></td></tr></table><div>&#160;</div><div style="text-align: justify;">Stock options for 360,000 shares and 275,000 shares of common stock for the years ended December 31, 2020 and 2019, respectively, were not considered in computing diluted earnings per common share because they were anti&#8209;dilutive.</div><div>&#160;</div><div style="text-align: justify;">Basic loss per share of common stock is computed pursuant to the two-class method by dividing net loss available to common stockholders less dividends paid on participating securities (unvested shares of restricted common stock) and any undistributed loss attributable to participating securities by the weighted average common shares outstanding during the period.&#160; The weighted average common shares outstanding includes the weighted average number of shares of common stock outstanding less the weighted average number of unvested shares of restricted common stock.&#160; 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for earnings per share.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109243012&amp;loc=SL65017193-207537<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -URI http://asc.fasb.org/topic&amp;trid=2144383<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3630-109257<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140118029434696">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Subsequent Events<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubsequentEventsAbstract', window );"><strong>Subsequent Events [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubsequentEventsTextBlock', window );">Subsequent Events</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">Note 19 &#8211; Subsequent Events</div><div>&#160;</div><div style="text-align: justify;">On March 17, 2021, the Company&#8217;s stockholders approved the proposed sale of 18,474,000 shares of Broadway common stock in private placements to institutional and accredited investors at a purchase price of $1.78 per share for an aggregate purchase price of $32.9 million. The Company currently has subscription agreements for all of these shares. The private placements of common stock are expected to close a few days after the merger.</div><div>&#160;</div><div style="text-align: justify;">Section 382 of the Internal Revenue Code limits the utilization of U.S. net operating loss (&#8220;NOL&#8221;) carryforwards following an ownership change, which occurs when one or more 5% shareholders increase their ownership, in aggregate, by more than 50% over the lowest percentage of stock owned by such shareholders at any time during the testing period, which is generally three years. Upon the completion of the private placements, there could be a triggering event which may result in a change of control. Based on management&#8217;s preliminary estimates, there could be limitations on our deferred tax assets that may require an impairment allowance of approximately $2.4 million.</div><div>&#160;</div><div style="text-align: justify;">Subsequent events have been evaluated through March 31, 2021, which is the date these financial statements were issued.</div></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for significant events or transactions that occurred after the balance sheet date through the date the financial statements were issued or the date the financial statements were available to be issued. Examples include: the sale of a capital stock issue, purchase of a business, settlement of litigation, catastrophic loss, significant foreign exchange rate changes, loans to insiders or affiliates, and transactions not in the ordinary course of business.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 855<br> -URI http://asc.fasb.org/topic&amp;trid=2122774<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 855<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6842918&amp;loc=SL6314017-165662<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117942099448">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Policies)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Summary of Significant Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConsolidationPolicyTextBlock', window );">Nature of Operations and Principles of Consolidation</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Nature of Operations and Principles of Consolidation</u></div><div>&#160;</div><div style="text-align: justify;">Broadway Financial Corporation (the &#8220;Company&#8221;) is a Delaware corporation primarily engaged in the savings and loan business through its wholly owned subsidiary, Broadway Federal Bank, f.s.b. (the &#8220;Bank&#8221;). The Bank&#8217;s business is that of a financial intermediary and consists primarily of attracting deposits from the general public and using such deposits, together with borrowings and other funds, to make mortgage loans secured by residential and commercial real estate located in Southern California. At December 31, 2020, the Bank operated two retail&#8209;banking offices in Los Angeles, California and one in the nearby city of Inglewood, California. The Bank is subject to significant competition from other financial institutions and is also subject to regulation by certain federal agencies and undergoes periodic examinations by those regulatory authorities.</div><div>&#160;</div><div style="text-align: justify;">The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Broadway Federal Bank, f.s.b. All significant inter&#8209;company transactions and balances have been eliminated in consolidation.</div></div><span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UseOfEstimates', window );">Use of Estimates</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Use of Estimates</u></div><div>&#160;</div><div style="text-align: justify;">To prepare consolidated financial statements in conformity with U.S. generally accepted accounting principles (&#8220;GAAP&#8221;), management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the consolidated financial statements and the disclosures provided, and actual results could differ from these estimates. The allowance and provision for loan losses, specific reserves for impaired loans, fair value of real estate owned, deferred tax asset valuation allowance, and fair values of investment securities and other financial instruments are particularly subject to change.</div></div><span></span>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPolicyTextBlock', window );">Cash and Cash Equivalents</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Cash and Cash Equivalents</u></div><div>&#160;</div><div style="text-align: justify;">Cash and cash equivalents include cash on hand, cash items in the process of collection, amounts due from correspondent banks and the Federal Reserve Bank of San Francisco (the &#8220;Federal Reserve Bank&#8221;), and interest&#8209;bearing deposits in other banks with initial terms of ninety days or less. The Company may be required to maintain reserve and clearing balances with the Federal Reserve Bank under the Federal Reserve Act of 1913, as amended. Effective on March 26, 2020, as a part of Federal Reserve Bank&#8217;s tools to promote maximum employment, Federal Reserve Bank Board reduced reserve requirement ratios to zero.&#160; The reserve and clearing requirement balance was no longer required at December 31, 2020. Net cash flows are reported for customer loan and deposit transactions, interest&#8209;bearing deposits in other banks, deferred income taxes and other assets and liabilities.</div></div><span></span>
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</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesPolicy', window );">Investment Securities</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Investment Securities</u></div><div>&#160;</div><div style="text-align: justify;">Debt securities are classified as held&#8209;to&#8209;maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities are classified as available&#8209;for&#8209;sale when they might be sold before maturity. Securities available&#8209;for&#8209;sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income (loss), net of tax.</div><div>&#160;</div><div style="text-align: justify;">Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level&#8209;yield method without anticipating prepayments. Gains and losses on sales are recorded on the trade date and determined using the specific identification method.</div><div>&#160;</div><div style="text-align: justify;">Management evaluates securities for other&#8209;than&#8209;temporary impairment (&#8220;OTTI&#8221;) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Consideration is given to the financial condition and near&#8209;term prospects of the issuer, the length of time and the extent to which the fair value has been less than the cost, and the intent and ability of management to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer&#8217;s financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer&#8217;s financial condition.</div></div><span></span>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy', window );">Loans Receivable Held for Sale</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Loans Receivable Held for Sale</u></div><div>&#160;</div><div style="text-align: justify;">The Bank originates loans for sale, and may, from time&#8209;to&#8209;time, decide to retain certain loans for held for investment in order to manage loan concentrations. When a decision is made to retain loans held-for-sale for held-for-investment, such loans are transferred from held&#8209;for&#8209;sale portfolio to held&#8209;for&#8209;investment portfolio at the lower of cost or fair value. If a reduction in value is required at time of the transfer, a charge&#8209;off is recorded against the allowance for loan and lease losses (&#8220;ALLL&#8221;). Any subsequent decline in value of the loans is recorded as a valuation allowance with a corresponding charge to non&#8209;interest expense.</div><div>&#160;</div><div style="text-align: justify;">Transfers of loans are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been legally isolated from the Bank, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right), to pledge or exchange the transferred assets, and provides no more than a trivial benefit to the Bank, and (3) the Bank does not maintain effective control over the transferred assets.</div><div>&#160;</div><div style="text-align: justify;">Loans receivable held for sale are generally sold with servicing rights released. Gains and losses on sales of loans are based on the difference between the selling price and the carrying value of the related loan sold. When loans receivable held for sale are sold, existing deferred loan fees or costs are an adjustment of the gain or loss on sale.</div></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy', window );">Loans Receivable Held for Investment</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Loans Receivable Held for Investment</u></div><div>&#160;</div><div style="text-align: justify;">Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of allowance for loan losses, deferred loan fees and costs and unamortized premiums and discounts. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct loan origination costs, premiums and discounts are deferred, and recognized in income using the level&#8209;yield method without anticipating prepayments.</div><div>&#160;</div><div style="text-align: justify;">Interest income on all loans is discontinued at the time the loan is 90 days delinquent unless the loan is well&#8209;secured and in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on non&#8209;accrual or charged&#8209;off at an earlier date if collection of principal or interest is considered doubtful.</div><div>&#160;</div><div style="text-align: justify;">All interest accrued but not received for loans placed on non&#8209;accrual is reversed against interest income. Interest received on such loans is accounted for on the cash&#8209;basis or cost recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.</div></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskCreditRisk', window );">Concentration of Credit Risk</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Concentration of Credit Risk</u></div><div>&#160;</div><div style="text-align: justify;">Concentrations of credit risk arise when several customers are engaged in similar business activities, or activities in the same geographic region, or have similar economic features that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. The Company&#8217;s lending activities are predominantly in real estate loans that are secured by properties located in Southern California and many of the borrowers reside in Southern California. Therefore, the Company&#8217;s exposure to credit risk is significantly affected by changes in the economy and real estate market in the Southern California area.</div><div>&#160;</div><div style="text-align: justify;">The Company has a significant concentration of deposits with two long&#8209;time customers that accounted for approximately 13% of its deposits as of December 31, 2020. The Company expects to maintain the relationships with the customers for the near term.</div></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansPurchasedPolicyTextBlock', window );">Loans Purchased</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Loans Purchased</u></div><div>&#160;</div><div style="text-align: justify;">The Bank purchases or participates in loans originated by other institutions from time to time. Subject to regulatory restrictions applicable to savings institutions, the Bank&#8217;s current loan policies allow all loan types to be purchased. The determination to purchase specific loans or pools of loans is based upon the Bank&#8217;s investment needs and market opportunities and is subject to the Bank&#8217;s underwriting policies, which require consideration of the financial condition of the borrower and the appraised value of the property, among other factors. Premiums or discounts incurred upon the purchase of loans are recognized in income using the interest method over the estimated life of the loans, adjusted for actual prepayments. No loans were purchased during 2020 and 2019.</div></div><span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy', window );">Allowance for Loan Losses</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Allowance for Loan Losses</u></div><div>&#160;</div><div style="text-align: justify;">The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent cash recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management&#8217;s judgment, could be charged off.</div><div>&#160;</div><div style="text-align: justify;">The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (&#8220;TDR&#8221;) and classified as impaired.</div><div>&#160;</div><div style="text-align: justify;">Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on case&#8209;by&#8209;case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.</div><div>&#160;</div><div style="text-align: justify;">If a loan is impaired, either a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan&#8217;s existing rate or alternatively a charge&#8209;off is taken to record the loan at the fair value of the collateral, less estimated selling costs, if repayment is expected solely from the collateral.</div><div>&#160;</div><div style="text-align: justify;">TDRs are individually evaluated for impairment and included in the separately identified impairment disclosures. TDRs are measured at the present value of estimated future cash flows using the loan&#8217;s effective rate at inception. If a TDR is a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs that subsequently default, the Company determines the amount of any necessary additional charge&#8209;off based on internal analyses and appraisals of the underlying collateral securing these loans.</div><div>&#160;</div><div style="text-align: justify;">The general component covers loans that are collectively evaluated for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment with the use of a loss migration analysis and is based on the actual loss history experienced by the Company over the most recent five years. This actual loss experience is supplemented with information about other current economic factors based on the risks present for each portfolio segment. These current economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge&#8209;offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.</div><div>&#160;</div><div style="text-align: justify;">The following portfolio segments have been identified: one&#8209;to&#8209;four units (&#8220;single family&#8221;), five or more units (&#8220;multi&#8209;family&#8221;), commercial real estate, church, construction, commercial loans, and consumer loans. The risks in our various portfolio segments are as follows:</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Single Family</font> &#8211; Subject to adverse employment conditions in the local economy leading to increased default rate, decreased market values from oversupply in a geographic area and&#160; incremental rate increases on adjustable rate mortgages which may impact the ability of borrowers to maintain payments.</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Multi&#8209;Family</font> &#8211; Subject to adverse various market conditions that cause a decrease in market value or lease rates, changes in personal funding sources for tenants, oversupply of units in a specific region, population shifts and reputational risks.</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Commercial Real Estate</font> &#8211; Subject to adverse conditions in the local economy which may lead to reduced cash flows due to vacancies and reduced rental rates, and decreases in the value of underlying collateral.</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Church</font> &#8211; Subject to adverse economic and employment conditions, which may lead to reduced cash flows from members&#8217; donations and offerings, and the stability, quality and popularity of church leadership.</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Construction</font> &#8211; Subject to adverse conditions in the local economy, which may lead to reduced demand for new commercial, multi&#8209;family or single family buildings or reduced lease or sale opportunities once the building is complete.</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Commercial</font> &#8211; Subject to industry and economic conditions including decreases in product demand.</div><div>&#160;</div><div style="text-align: justify;"><font style="font-style: italic;">Consumer</font> &#8211; Subject to adverse employment conditions in the local economy, which may lead to higher default rates.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentsForeclosedAssetsPolicy', window );">Real Estate Owned</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Real Estate Owned</u></div><div>&#160;</div><div style="text-align: justify;">Assets acquired through, or by deed in lieu of, loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through a provision that is charged to non&#8209;interest expense. Operating costs after acquisition are expensed as incurred.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock', window );">Office Properties and Equipment</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Office Properties and Equipment</u></div><div>&#160;</div><div style="text-align: justify;">Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight&#8209;line method with useful lives ranging from 10 to 40 years. Furniture, fixtures and equipment are depreciated using the straight&#8209;line method with useful lives ranging from 3 to 10 years. Leasehold improvements are amortized over the lease term or the estimated useful life of the asset, whichever is shorter.</div></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_FederalHomeLoanBankStockPolicyTextBlock', window );">Federal Home Loan Bank (FHLB) stock</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Federal Home Loan Bank (FHLB) stock</u></div><div>&#160;</div><div style="text-align: justify;">The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income when declared.</div></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_BankOwnedLifeInsurancePolicyTextBlock', window );">Bank-Owned Life Insurance</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Bank&#8209;Owned Life Insurance</u></div><div>&#160;</div><div style="text-align: justify;">The Bank has purchased life insurance policies on a former key executive. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.</div></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_InvestmentInAffordableHousingLimitedPartnershipPolicyTextBlock', window );">Investment in Affordable Housing Limited Partnership</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Investment in Affordable Housing Limited Partnership</u></div><div>&#160;</div><div style="text-align: justify;">The Bank owns a less than 5% interest in an affordable housing limited partnership. The investment is recorded using the cost method and is being amortized over the life of the related tax credits. The tax credits are being recognized in income tax expense in the consolidated financial statements to the extent they are utilized on the Company&#8217;s income tax returns. The investment is reviewed for impairment on an annual basis or on an interim basis if an event occurs that would trigger potential impairment.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock', window );">Loan Commitments and Related Financial Instruments</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Loan Commitments and Related Financial Instruments</u></div><div>&#160;</div><div style="text-align: justify;">Financial instruments include off&#8209;balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenueFromContractWithCustomerPolicyTextBlock', window );">Revenue Recognition</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Revenue Recognition</u></div><div>&#160;</div><div style="text-align: justify;">Accounting Standard Codification (&#8220;ASC&#8221;) 606, Revenue from Contracts with Customers (&#8220;ASC 606&#8221;), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity&#8217;s contracts to provide goods or services to customers. The core principle requires the Company to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. Most of our revenue&#8209;generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans and investment securities, as these activities are subject to other GAAP discussed elsewhere within our disclosures. The Company&#8217;s revenue stream that is within the scope of Topic 606 is primarily service charges on deposit accounts, which consist of monthly service fees, check orders, and other deposit account related fees. The Company&#8217;s performance obligation for monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees are largely transaction based, and therefore, the Company&#8217;s performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers&#8217; accounts.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy', window );">Stock-Based Compensation</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Stock&#8209;Based Compensation</u></div><div>&#160;</div><div style="text-align: justify;">Compensation cost is recognized for stock options and restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. A Black&#8209;Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company&#8217;s common stock at the date of grant is used for restricted stock awards.</div><div>&#160;</div><div style="text-align: justify;">Compensation cost is recognized over the required service period, generally defined as the vesting period. Compensation cost is recognized on a straight&#8209;line basis over the requisite service period for the entire award. The Company&#8217;s accounting policy is to recognize forfeitures as they occur.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxPolicyTextBlock', window );">Income Taxes</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Income Taxes</u></div><div>&#160;</div><div style="text-align: justify;">Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.</div><div>&#160;</div><div style="text-align: justify;">A tax position is recognized as a benefit only if it is &#8220;more likely than not&#8221; that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the &#8220;more likely than not&#8221; test, no tax benefit is recorded.</div><div>&#160;</div><div style="text-align: justify;">The Company recognizes interest related to income tax matters in interest expense and penalties related to tax matters in income tax expense.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PensionAndOtherPostretirementPlansPolicy', window );">Retirement Plans</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Retirement Plans</u></div><div>&#160;</div><div style="text-align: justify;">Employee 401(k) expense is the amount of matching contributions made by the Company.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPPolicy', window );">Employee Stock Ownership Plan (ESOP)</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Employee Stock Ownership Plan (ESOP)</u></div><div>&#160;</div><div style="text-align: justify;">The cost of shares issued to the ESOP, but not yet allocated to participants, is shown as a reduction of stockholders&#8217; equity. Compensation expense is based on the market price of shares as they are committed to be released to participant accounts. Dividends on allocated ESOP shares reduce retained earnings; dividends on unearned ESOP shares reduce debt and accrued interest.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerSharePolicyTextBlock', window );">Earnings (Loss) Per Common Share</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Earnings (Loss) Per Common Share</u></div><div>&#160;</div><div style="text-align: justify;">Basic earnings (loss) per share of common stock is computed pursuant to the two&#8209;class method by dividing net income available to common stockholders less dividends paid on participating securities (unvested shares of restricted common stock) and any undistributed earnings attributable to participating securities by the weighted average common shares outstanding during the period. The weighted average common shares outstanding includes the weighted average number of shares of common stock outstanding less the weighted average number of unvested shares of restricted common stock. ESOP shares are considered outstanding for this calculation unless unearned. Diluted earnings per share of common stock includes the dilutive effect of unvested stock awards using treasury stock method and additional potential common shares issuable under stock options.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock', window );">Comprehensive Income (Loss)</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Comprehensive Income (Loss)</u></div><div>&#160;</div><div style="text-align: justify;">Comprehensive income (loss) consists of net income (loss) and other comprehensive income or loss. Other comprehensive income or loss includes unrealized gains and losses on securities available&#8209;for&#8209;sale, net of tax, which are also recognized as separate components of equity.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesPolicyTextBlock', window );">Loss Contingencies</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Loss Contingencies</u></div><div>&#160;</div><div style="text-align: justify;">Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable, and an amount or range of loss can be reasonably estimated. Management does not believe that any such matters existed as of the balance sheet date that will have a material effect on the consolidated financial statements.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueMeasurementPolicyPolicyTextBlock', window );">Fair Value Measurements</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Fair Value Measurements</u></div><div>&#160;</div><div style="text-align: justify;">Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:</div><div>&#160;</div><div style="text-align: justify;">Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.</div><div>&#160;</div><div style="text-align: justify;">Level 2: Significant observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.</div><div>&#160;</div><div style="text-align: justify;">Level 3: Significant unobservable inputs that reflect a company&#8217;s own assumptions about the assumptions that market participants would use in pricing an asset or liability.</div><div>&#160;</div><div style="text-align: justify;">Fair values are estimated using relevant market information and other assumptions, as more fully disclosed in Note 8. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingPolicyPolicyTextBlock', window );">Operating Segments</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Operating Segments</u></div><div>&#160;</div><div style="text-align: justify;">The Company operates as a single segment. The operating information used by management to assess performance and make operating decisions about the Company is the consolidated financial data presented in these financial statements. For the years ended 2020 and 2019, the Company had one active operating subsidiary, Broadway Federal Bank, f.s.b. The Company has determined that banking is its one reportable business segment.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PriorPeriodReclassificationAdjustmentDescription', window );">Reclassifications</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Reclassifications</u></div><div>&#160;</div><div style="text-align: justify;">Some items in the prior year consolidated financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year consolidated net income or stockholders&#8217; equity.</div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock', window );">Recently Adopted Accounting Pronouncements and Accounting Pronouncements Yet to Be Adopted</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;"><u>Recently Adopted Accounting Pronouncements</u></div><div>&#160;</div><div style="text-align: justify;">In August 2018, the Federal Accounting Standards Board (&#8220;FASB&#8221;) issued Accounting Standards Update (&#8220;ASU&#8221;) No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. The ASU was issued to improve the effectiveness of disclosures surrounding fair value measurements. The ASU removes numerous disclosures from Topic 820 including transfers between level 1 and 2 of the fair value hierarchy, the policy for timing of transfers between levels, and the valuation process for level 3 fair value measurements. The ASU also modified and added disclosure requirements regarding changes in unrealized gains and losses included in other comprehensive income, as well as the range and weighted average of unobservable inputs for level 3 fair value measurements. The ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019, with early adoption permitted. The guidance did not have a significant impact on the Company's consolidated financial statements.</div><div>&#160;</div><div style="text-align: justify;">In March 2020, the FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU provides optional expedients and exceptions regarding the accounting related to the modifications of certain contracts, relationships and other transactions that are affected by reference rate reform related to contracts that reference LIBOR or other reference rates that could be discontinued due to reference rate reform.&#160; This guidance was effective immediately and the amendments may be applied prospectively through December 31, 2022.</div><div>&#160;</div><div style="text-align: justify;"><u>Accounting Pronouncements Yet to Be Adopted &#8211;</u></div><div>&#160;</div><div style="text-align: justify;">In June 2016, the FASB issued ASU 2016-13, &#8220;Financial Instruments &#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.&#8221;&#160; ASU 2016-13 replaces the incurred loss model with an expected loss model, which is referred to as the current expected credit loss (CECL) model.&#160; The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables, held-to-maturity debt securities, and reinsurance receivables. It also applies to off-balance sheet credit exposures not accounted for as insurance (such as loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor.&#160; For debt securities with other-than-temporary impairment, the guidance will be applied prospectively.&#160; Existing purchased credit impaired (PCI) assets will be grandfathered and classified as purchased credit deteriorated (PCD) assets at the date of adoption.&#160; The asset will be grossed up for the allowance for expected credit losses for all PCD assets at the date of adoption and will continue to recognize the noncredit discount in interest income based on the yield of such assets as of the adoption date.&#160; Subsequent changes in expected credit losses will be recorded through the allowance.&#160; For all other assets within the scope of CECL, a cumulative-effect adjustment will be recognized in retained earnings as of the beginning of the first reporting period in which the guidance is effective.</div><div>&#160;</div><div style="text-align: justify;">On October 16, 2019, the FASB voted to affirm the proposed amended effective date for ASU 2016-13 for smaller reporting companies (&#8220;SRCs&#8221;) as defined by the SEC. The final ASU, which was issued in November 2019, delays the implementation date for ASU 2016-13 to fiscal years beginning after December 15, 2022. SRCs are defined as companies with less than $250 million of public float or less than $100 million in annual revenues for the previous year and no public float or public float of less than $700 million.&#160; The Company qualifies as an SRC, and management will implement ASU 2016-13 in the first quarter of 2023.&#160; The estimated financial impact has not yet been determined.</div><div>&#160;</div><div style="text-align: justify;">In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments - Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments.&#160; This ASU is effective January 1, 2020 and clarifies the scope of the credit losses standard and addresses issues related to accrued interest receivable balances, recoveries, variable interest rates and prepayments, among other things. The amendments to Topic 326 have the same effective dates as ASU 2016-13. This guidance did not have a significant impact on the Company's consolidated financial statements.</div><div>&#160;</div><div style="text-align: justify;">In May 2019, the FASB issued ASU No. 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief. This ASU allows entities to irrevocably elect the fair value option on an instrument-by-instrument basis for eligible financial assets measured at amortized cost basis upon adoption of the credit loss standards. The effective date for this ASU is the same as for ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations.</div><div>&#160;</div><div style="text-align: justify;">In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes. This ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. The amendments in this ASU are intended to simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740. The amendments are also intended to improve consistent application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidance. We are currently in the process of evaluating the impact of this ASU on the Company&#8217;s consolidated financial statements.</div></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for bank-owned life Insurance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for Federal Home Loan Bank stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for investments in affordable housing limited partnerships.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for loans purchased.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AccountingPoliciesAbstract</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=d3e4273-108586<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CashAndCashEquivalentsPolicyTextBlock</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for commitments and contingencies, which may include policies for recognizing and measuring loss and gain contingencies.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 954<br> -SubTopic 450<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6491354&amp;loc=d3e6052-115624<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 954<br> -SubTopic 450<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6491354&amp;loc=d3e6049-115624<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 460<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=68068213&amp;loc=d3e12565-110249<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CommitmentsAndContingenciesPolicyTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for comprehensive income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ComprehensiveIncomePolicyPolicyTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConcentrationRiskCreditRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for credit risk.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e5967-108592<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 825<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=108315417&amp;loc=d3e61044-112788<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ConcentrationRiskCreditRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting.  The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=109239629&amp;loc=d3e5614-111684<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ConsolidationPolicyTextBlock</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerSharePolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3630-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EarningsPerSharePolicyTextBlock</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for ESOP transactions, including the method of measuring compensation, the classification of dividends on ESOP shares, and the treatment of ESOP shares for EPS computations. If the employer has both old ESOP shares for which it does not adopt new guidance and new ESOP shares for which new guidance is required, these disclosures are required for both blocks of shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeStockOwnershipPlanESOPPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for fair value measurements of financial and non-financial assets, liabilities and instruments classified in shareholders' equity. Disclosures include, but are not limited to, how an entity that manages a group of financial assets and liabilities on the basis of its net exposure measures the fair value of those assets and liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FairValueMeasurementPolicyPolicyTextBlock</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for financing receivable classified as held-for-investment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5033-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e4975-111524<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=84159169&amp;loc=d3e10133-111534<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5212-111524<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5093-111524<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentsForeclosedAssetsPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for foreclosed assets or repossessions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentsForeclosedAssetsPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for financing receivables classified as held-for-sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5093-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5033-111524<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84159169&amp;loc=d3e10133-111534<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</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_us-gaap_IncomeTaxPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=120406818&amp;loc=d3e32247-109318<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32847-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 954<br> -SubTopic 740<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6491622&amp;loc=d3e9504-115650<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32840-109319<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116657188&amp;loc=SL116659661-227067<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=120406818&amp;loc=d3e32280-109318<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32809-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeTaxPolicyTextBlock</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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</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_us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for estimating the allowance for losses on loans and lease receivables. The disclosure may include (a) how the entity determines each element of the allowance, (b) which loans are evaluated individually and which loans are evaluated as a group, (c) how the entity determines both the allocated and unallocated portions of the allowance, (d) how the entity determines the loss factors applied to graded loans in order to develop a general allowance, and (e) what self-correcting mechanism the entity uses to reduce differences between estimated and actual losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5144-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for investment classified as marketable security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=120252992&amp;loc=d3e62652-112803<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_MarketableSecuritiesPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<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_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Description of accounting policies and methodologies used to estimate the entity's liability for off-balance sheet credit exposures and related charges for those credit exposures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5144-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 21<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919272-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</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_us-gaap_PensionAndOtherPostretirementPlansPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for pension and other postretirement benefit plans. This accounting policy may address (1) the types of plans sponsored by the entity, and the benefits provided by each plan (2) groups that participate in (or are covered by) each plan (3) how plan assets, liabilities and expenses are measured, including the use of any actuaries and (4) significant assumptions used by the entity to value plan assets and liabilities and how such assumptions are derived.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 60<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=66047640&amp;loc=d3e39622-114963<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 80<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=65877416&amp;loc=d3e29149-114947<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 70<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=49170846&amp;loc=d3e28014-114942<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6412939&amp;loc=d3e15145-114933<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=118255775&amp;loc=d3e1928-114920<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PensionAndOtherPostretirementPlansPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for reclassification affecting comparability of financial statement. Excludes amendment to accounting standards, other change in accounting principle, and correction of error.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 205<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6359566&amp;loc=d3e326-107755<br></p></div>
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<tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for long-lived, physical asset used in normal conduct of business and not intended for resale. Includes, but is not limited to, work of art, historical treasure, and similar asset classified as collections.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 958<br> -SubTopic 360<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120429125&amp;loc=d3e99779-112916<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 958<br> -SubTopic 360<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=120429125&amp;loc=d3e99893-112916<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for revenue from contract with customer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=121604090&amp;loc=SL49130561-203045<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=121604090&amp;loc=SL49130566-203045<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -SubTopic 10<br> -Section 50<br> -Paragraph 18<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121604090&amp;loc=SL49130563-203045<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -URI http://asc.fasb.org/topic&amp;trid=49130388<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121604090&amp;loc=SL49130566-203045<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -SubTopic 10<br> -Section 50<br> -Paragraph 18<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121604090&amp;loc=SL49130563-203045<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18823-107790<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121604090&amp;loc=SL49130566-203045<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -SubTopic 10<br> -Section 50<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=121604090&amp;loc=SL49130564-203045<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121604090&amp;loc=SL49130566-203045<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for segment reporting.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8864-108599<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8864-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 41<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e9038-108599<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8864-108599<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8864-108599<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8864-108599<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8864-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for award under share-based payment arrangement. Includes, but is not limited to, methodology and assumption used in measuring cost.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b),(f)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5047-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6191-108592<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6161-108592<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6143-108592<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e5967-108592<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6061-108592<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6132-108592<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e5967-108592<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140118029468504">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Pending Acquisition (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of pro forma results of operations for a material business acquisition or series of individually immaterial business acquisitions that are material in the aggregate.</p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140118029432088">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Securities (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The following table summarizes the amortized cost and fair value of the available&#8209;for&#8209;sale investment securities portfolios at December 31, 2020 and December 31, 2019 and the corresponding amounts of unrealized gains (losses) which are recognized in accumulated other comprehensive income:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Amortized</div><div style="text-align: center; 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font-family: &amp;quot; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 42%;"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot; font-weight: bold;">December 31, 2020:</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -URI http://asc.fasb.org/topic&amp;trid=2196928<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117939260328">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Receivable Held for Investment (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">Loans receivable held for investment were as follows as of the periods indicated:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">December 31, 2020</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; 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</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Activity in Allowance for Loan Losses by Loan Type</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The following tables present the activity in the allowance for loan losses by loan type for the periods indicated:</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-weight: bold;">For the year ended December 31, 2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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background-color: #CCEEFF;"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot;">Beginning balance</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">369</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; 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text-align: right; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">603</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">19</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">6</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="text-align: right; font-family: &amp;quot;">$<br /></div></td><td style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">&#160;&#8209;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">439</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">81</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">(501</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div style="font-family: &amp;quot;">)</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">29</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">1</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">1</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%;"><div style="font-family: &amp;quot;">(7</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div style="font-family: &amp;quot;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot;">Recoveries</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">260</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">260</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; padding-bottom: 2px;"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot;">Loans charged off</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 20%; padding-bottom: 4px; background-color: #CCEEFF;"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot;">Ending balance</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">312</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">2,319</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">133</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">362</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">48</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">7</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">1</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">3,182</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td></tr></table></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_FinancingReceivableAllowanceForCreditLossByLoanTypeAndBasedOnImpairmentMethodTableTextBlock', window );">Allowance for Loan Losses and Recorded Investment in Loans by Type of Loans and Based on Impairment Method</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge&#8209;offs, less interest applied to principal, plus unamortized deferred costs and premiums) by loan type and based on impairment method as of and for the periods indicated:</div><div>&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">December 31, 2020</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Real Estate</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Single</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">family</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Church</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Construction</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Commercial</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">&#8211; other</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Consumer</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Total</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 28%;"><div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Allowance for loan losses:</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td colspan="12" valign="bottom" style="vertical-align: top;"><div style="text-indent: -9pt; margin-left: 9pt;">Ending allowance balance attributable to loans:</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 6%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div style="font-family: &amp;quot;">401,029</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock', window );">Loans Individually Evaluated for Impairment by Loan Type</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated:</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-weight: bold;">December 31, 2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; 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background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>141</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; 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width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>147</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_ImpairedLoansAverageInvestmentInterestIncomeTableTextBlock', window );">Average of Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated:</div><div>&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">For the year ended December 31, 2020</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; 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border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div><font style="font-family: &amp;quot;">$</font></div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div><font style="font-family: &amp;quot;">995</font></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Aging of Recorded Investment in Past Due Loans by Loan Type</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated:</div><div>&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 30%;">&#160;</td><td colspan="1" rowspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="14" rowspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center; font-weight: bold;">December 31, 2020</td><td rowspan="1" valign="bottom" style="vertical-align: bottom; text-align: center; font-weight: bold; padding-bottom: 2px; width: 1%;">&#160;</td><td rowspan="1" valign="bottom" style="vertical-align: bottom; 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font-family: &amp;quot;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 9%;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 11%;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td valign="bottom" style="vertical-align: bottom; width: 9%;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div style="font-family: &amp;quot;">273,864</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div style="font-family: &amp;quot;">273,864</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;"><div style="text-indent: -9pt; margin-left: 9pt;">Commercial real estate</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 11%;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 9%;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"><div style="font-family: &amp;quot;">24,322</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 9%;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 11%;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%;"><div style="text-align: right; font-family: &amp;quot;">&#8209;</div></td><td valign="bottom" style="vertical-align: bottom; width: 9%;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 9%;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 11%;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>289,043</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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width: 30%;"><div style="text-indent: -9pt; margin-left: 9pt;">Church</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 9%;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 11%;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>20,648</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>20,648</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 30%;"><div style="text-indent: -9pt; margin-left: 9pt;">Construction</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"><div>3,125</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;"><div>3,125</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 30%;"><div style="text-indent: -9pt; margin-left: 9pt;">Commercial &#8211; other</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 9%;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 11%;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>262</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>262</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 30%;"><div style="text-indent: -9pt; margin-left: 9pt;">Consumer</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div style="text-align: right;">&#8209;</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"><div><div style="text-align: right;">&#8209;</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 11%;"><div><div style="text-align: right;">&#8209;</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div style="text-align: right;">&#8209;</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"><div><div>21</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;"><div><div>21</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 30%; padding-bottom: 4px;"><div style="text-indent: -9pt; margin-left: 9pt;">Total</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>18</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">$&#160;&#160; <br /></td><td valign="bottom" style="vertical-align: bottom; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div style="text-align: right;">&#160;&#8209;</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">$&#160;&#160; <br /></td><td valign="bottom" style="vertical-align: bottom; width: 11%; border-bottom: 4px double rgb(0, 0, 0);"><div><div style="text-align: right;">&#160;&#160; &#160; &#160; &#160; &#160;&#160; &#8209;</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>18</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>401,011</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>401,029</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock', window );">Recorded Investment in Non-accrual Loans by Loan Type</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The following table presents the recorded investment in non&#8209;accrual loans by loan type as of the periods indicated:</div><div>&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-indent: -9pt; margin-left: 9pt; width: 70%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">December 31, 2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">December 31, 2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 70%;"><div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Loans receivable held for investment:</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 70%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Single family</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"><div>1</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"><div>18</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 2px;"><div style="text-indent: -9pt; margin-left: 9pt;">Church</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>786</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>406</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 70%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 18pt;">Total non-accrual loans</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>787</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>424</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Risk Categories of Loans by Loan Type</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows: <br /></div><div><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><tr><td rowspan="1" valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: bottom;">&#160;</td><td colspan="1" rowspan="1" valign="bottom" style="width: 1%; padding-bottom: 2px; vertical-align: bottom;">&#160;</td><td colspan="20" rowspan="1" valign="bottom" style="text-align: center; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid;">December 31, 2020&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="width: 32%; padding-bottom: 2px; vertical-align: bottom;">&#160;</td><td colspan="1" valign="bottom" style="width: 1%; 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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of allowance for credit loss on financing receivable by loan type and based on impairment method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the average recorded investment and related interest income for impaired financing receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919249-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919230-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953659-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of impaired financing receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of aging analysis for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919253-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953401-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=121647567&amp;loc=SL82922355-210448<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5111-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.3,4)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivable on nonaccrual status.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5111-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919258-210447<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117944570920">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Office Properties and Equipment, net (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Office Properties and Equipment, net [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentTextBlock', window );">Office Properties and Equipment</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">Year&#8209;end office properties and equipment were as follows:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; 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width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>572</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>572</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 9pt;">Office buildings and improvements</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>3,275</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>3,268</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Rights of use assets</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>190</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>727</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"><div style="text-indent: -9pt; margin-left: 9pt;">Furniture, fixtures and equipment</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>2,239</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>1,831</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>6,276</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>6,398</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"><div style="text-indent: -9pt; margin-left: 9pt;">Less accumulated depreciation</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>(3,736</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>(3,615</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"><div><div>)</div></div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Office properties and equipment, net</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>2,540</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>2,783</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117945350296">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Leases (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
<tr class="re">
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeaseCostTableTextBlock', window );">Additional Information Related to Operating Leases</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands):</div><div><br /></div><table align="left" border="0" cellpadding="0" cellspacing="0" style="width: 80%; color: #000000; font-size: 10pt; text-align: left;"><tr><td colspan="1" valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%;"><br /></td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><div style="text-align: center;">Year Ended</div><div style="text-align: center; font-style: normal;">December 31, 2020</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 65%;"><br /></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 65%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Cash paid for amounts included in the measurement of&#160; lease liabilities for operating leases:</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"><div>351</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 65%;"><div style="text-indent: -9pt; margin-left: 9pt;">ROU assets obtained in exchange for lease liabilities</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;"><div>190</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Weighted average remaining lease term in months</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"><div style="font-family: 'Times New Roman';">4</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 65%;"><div style="text-indent: -9pt; margin-left: 9pt;">Weighted average discount rate</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%;">2.75</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">%</td></tr></table></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock', window );">Future Minimum Lease Payments for Operating Lease</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The future minimum payments for operating leases with remaining terms of one year or more as of December 31, 2020 were as follows (in thousands):</div><div><br /></div><table align="left" border="0" cellpadding="0" cellspacing="0" style="width: 70%; color: #000000; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: top; width: 58%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"><div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;">Year ended December 31, 2021</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">$<br /></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><div>195</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 58%;"><div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;">Total Future Minimum Lease Payments</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>195</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 58%; background-color: rgb(204, 238, 255);"><div style="text-align: justify; text-indent: -9pt; margin-left: 18pt;">Amounts Representing Interest</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><div>(1</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"><div><u>)</u></div></td></tr><tr><td valign="bottom" style="vertical-align: top; padding-bottom: 4px; width: 58%;"><div style="text-align: justify; text-indent: -9pt; margin-left: 9pt;">Present Value of Net Future Minimum Lease Payments</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div>194</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of lessee's lease cost. Includes, but is not limited to, interest expense for finance lease, amortization of right-of-use asset for finance lease, operating lease cost, short-term lease cost, variable lease cost and sublease income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121609121&amp;loc=SL77918686-209980<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of undiscounted cash flows of lessee's operating lease liability. Includes, but is not limited to, reconciliation of undiscounted cash flows to operating lease liability recognized in statement of financial position.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121609121&amp;loc=SL77918701-209980<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117944756504">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock', window );">Assets Measured on Recurring Basis</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">Assets measured at fair value on a recurring basis are summarized below:</div><div>&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 55%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="11" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Fair Value Measurement</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 55%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Quoted Prices</div><div style="text-align: center; font-weight: bold;">in Active</div><div style="text-align: center; font-weight: bold;">Markets for</div><div style="text-align: center; font-weight: bold;">Identical</div><div style="text-align: center; font-weight: bold;">Assets</div><div style="text-align: center; font-weight: bold;">(Level 1)</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Significant</div><div style="text-align: center; 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width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 9%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 55%;"><div style="text-indent: -9pt; margin-left: 18pt;">Securities available&#8209;for&#8209;sale &#8211; federal agency mortgage&#8209;backed</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td style="vertical-align: bottom; 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</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock', window );">Assets Measured on Non-Recurring Basis</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The following table provides information regarding the carrying values of our assets measured at fair value on a non&#8209;recurring basis as of the periods indicated. The fair value measurement for all these assets falls within Level 3 of the fair value hierarchy.</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 60%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">December 31, 2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">December 31, 2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 60%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 60%; background-color: rgb(204, 238, 255);"><div style="text-indent: -7.2pt; margin-left: 7.2pt;">Impaired loans carried at fair value of collateral</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"><div>-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);"><div>130</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock', window );">Fair Values of Financial Instruments</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The carrying amounts and estimated fair values of financial instruments as of the periods indicated were as follows:</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">Carrying</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of assets, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, by class that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).</p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117945363176">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>Deposits [Abstract]</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositLiabilitiesTypeTableTextBlock', window );">Deposits</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">Deposits are summarized as follows:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;">`</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">December 31,</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>9,768</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 9pt;">Non&#8209;interest bearing demand deposits</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>47,269</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>27,090</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Money market deposits</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>60,281</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>47,042</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Certificates of deposit</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; 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width: 66%; padding-bottom: 4px;"><div style="text-indent: -9pt; margin-left: 18pt;">Total</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>315,630</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>297,724</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">Scheduled maturities of certificates of deposit for the next five years are as follows:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 60%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 48%;"><div><div style="text-align: center; font-weight: bold;">Maturity</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Amount</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td colspan="1" style="vertical-align: middle; width: 48%; text-align: center;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td colspan="1" style="vertical-align: middle; width: 48%; background-color: rgb(204, 238, 255); text-align: center;"><div style="text-indent: -7.2pt; margin-left: 7.2pt;">2021</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>113,221</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of type of deposit liability.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of time deposit liability maturities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117945377128">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal Home Loan Bank Advances (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBanksAbstract', window );"><strong>Federal Home Loan Bank Advances [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesTableTextBlock', window );">Information Regarding FHLB Advances</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The following table summarizes information relating to FHLB advances at or for the periods indicated:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">At or For the Year Ended</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(Dollars in thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 9pt;">FHLB Advances:</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 18pt;">Average balance outstanding during the year</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>114,020</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>77,049</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 18pt;">Maximum amount outstanding at any month&#8209;end during the year</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>121,500</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_ScheduleOfFederalHomeLoanBankAdvancesFiscalYearMaturityTableTextBlock', window );">Required Payments over Next Five Years</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">Required payments over the next five years are as follows:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 60%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 48%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Amount</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 48%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of advances made and reported by Federal Home Loan Bank (FHLBank) maturity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of advances made and reported by Federal Home Loan Bank (FHLBank).</p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117948334216">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Junior Subordinated Debentures (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubordinatedBorrowingsAbstract', window );"><strong>Junior Subordinated Debentures [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="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock', window );">Principal Repayments of Junior Subordinated Debentures</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">Scheduled principal repayments of junior subordinated debentures over the next four years are as follows:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 60%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 48%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Amount</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 48%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);"><div style="text-indent: -7.2pt; margin-left: 7.2pt;">2021</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>1,020</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 48%;"><div style="text-indent: -7.2pt; margin-left: 7.2pt;">2022</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>1,020</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 48%; background-color: rgb(204, 238, 255);"><div style="text-indent: -7.2pt; margin-left: 7.2pt;">2023</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>1,020</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 2px;"><div style="text-indent: -7.2pt; margin-left: 7.2pt;">2024</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>255</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>3,315</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td></tr></table></div><span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of maturity and sinking fund requirement for long-term debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117948383352">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CompensationAndRetirementDisclosureAbstract', window );"><strong>Employee Benefit Plans [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="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEmployeeStockOwnershipPlanESOPDisclosuresTextBlock', window );">Shares Held by ESOP</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">Shares held by the ESOP were as follows:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">December 31,</div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">December 31,</div><div style="text-align: center; font-weight: bold;">2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(Dollars in thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Allocated to participants</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>1,065,275</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>1,024,429</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 9pt;">Committed to be released</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>10,236</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>10,416</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Suspense shares</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>562,391</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>603,876</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"><div style="text-indent: -9pt; margin-left: 18pt;">Total ESOP shares</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>1,637,902</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>1,638,721</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 18pt;">Fair value of unearned shares</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>1,040</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>930</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td></tr></table></div><span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the details pertaining to each employee stock ownership plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117944752888">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Taxes [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="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock', window );">Income Tax (Benefit) Expense</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">Income tax (benefit) expense was as follows:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 9pt;">Current</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 18pt;">Federal</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>(59</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>)</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>(66</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 18pt;">State</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>144</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>5</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Deferred</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 18pt;">Federal</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>7</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>(225</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 18pt;">State</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(499</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(59</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"><div style="text-indent: -9pt; margin-left: 18pt;">Total</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>(407</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>(345</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"><div><div>)</div></div></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock', window );">Effective Income Tax Rate Reconciliation</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">Effective tax rates differ from the federal statutory rate of 21% applied to income before income taxes due to the following:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Federal statutory rate times financial statement net (loss) income</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>(220</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>)</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>(115</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 9pt;">Effect of:</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 18pt;">State taxes, net of federal benefit</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>(7</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>)</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>(45</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 18pt;">Earnings from bank owned life insurance</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>(10</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>)</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>(11</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 18pt;">Merger-related expense</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>200</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 18pt;">Low income housing credits</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>(117</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>)</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>(198</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 18pt;">Tax benefit from tax positions taken in prior years</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>(273</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>)</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px;"><div style="text-indent: -9pt; margin-left: 18pt;">Other, net</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>20</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>24</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 27pt;">Total</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(407</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(345</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock', window );">Deferred Tax Assets and Liabilities</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">Year&#8209;end deferred tax assets and liabilities were due to the following:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 9pt;">Deferred tax assets:</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Balance at beginning of year</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 66%;"><div style="text-indent: -9pt; margin-left: 9pt;">Additions for tax positions of current year</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Additions for tax positions of prior year</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Balance at end of year</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>-</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the change in unrecognized tax benefits.</p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140118029538104">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock', window );">Summary of Stock Option Activity</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The following table summarizes stock option activity during the years ended December 31, 2020 and 2019:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 42%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Number</div><div style="text-align: center; font-weight: bold;">Outstanding</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Weighted</div><div style="text-align: center; font-weight: bold;">Average</div><div style="text-align: center; font-weight: bold;">Exercise</div><div style="text-align: center; font-weight: bold;">Price</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Number</div><div style="text-align: center; font-weight: bold;">Outstanding</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">Weighted</div><div style="text-align: center; font-weight: bold;">Average</div><div style="text-align: center; font-weight: bold;">Exercise</div><div style="text-align: center; font-weight: bold;">Price</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 42%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Outstanding at beginning of year</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>455,000</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>1.67</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>537,500</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>2.19</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 42%;"><div style="text-indent: -9pt; margin-left: 9pt;">Granted during the year</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 42%;"><div style="text-indent: -9pt; margin-left: 9pt;">Exercised during the year</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="text-align: right;">&#8209;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 2px;"><div style="text-indent: -9pt; margin-left: 9pt;">Forfeited or expired during the year</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>(5,000</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;"><div>6.00</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>(82,500</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;"><div>4.98</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 42%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Outstanding at end of year</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>450,000</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>1.62</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>455,000</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>1.67</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>1.62</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>275,000</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>1.70</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTextBlock', window );">Options Outstanding and Exercisable</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">Options outstanding and exercisable at year&#8209;end 2020 were as follows:</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="11" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Outstanding</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Exercisable</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot; font-weight: bold;">Grant Date</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Number</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Outstanding</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Weighted</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Average</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Remaining</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Contractual</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Life</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Weighted</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Average</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Exercise</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Price</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Aggregate</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Intrinsic</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Value</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Number</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Outstanding</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Weighted</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Average</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Exercise</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Price</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Aggregate</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Intrinsic</div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">Value</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td></tr><tr><td colspan="1" valign="bottom" style="vertical-align: top; padding-bottom: 2px; background-color: #CCEEFF;"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot;">February 24, 2016</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117944664424">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Capital and Regulatory Matters (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RegulatoryCapitalRequirementsAbstract', window );"><strong>Capital and Regulatory Matters [Abstract]</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Actual and Required Capital Amounts and Ratios</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>At December 31, 2020 and 2019, the Bank&#8217;s level of capital exceeded all regulatory capital requirements and its regulatory capital ratios were above the minimum levels required to be considered well capitalized for regulatory purposes. 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font-weight: bold;">Requirements</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-weight: bold;">Minimum Required</div><div style="text-align: center; font-weight: bold;">To Be Well</div><div style="text-align: center; font-weight: bold;">Capitalized Under</div><div style="text-align: center; font-weight: bold;">Prompt Corrective</div><div style="text-align: center; font-weight: bold;">Action Provisions</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117948383352">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loan Commitments and Other Related Activities (Tables)<br></strong></div></th>
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<td class="text">&#160;<span></span>
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<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The contractual amounts of financial instruments with off&#8209;balance&#8209;sheet risk at year&#8209;end were as follows:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">2020</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">2019</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; background-color: rgb(204, 238, 255);"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot;">Commitments to make loans</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">5,930</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot;">Unused lines of credit &#8211; variable rates</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div style="font-family: &amp;quot;">2,472</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div style="font-family: &amp;quot;">1,970</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the contractual amounts of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined) which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117945272440">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company Only Condensed Financial Information (Tables)<br></strong></div></th>
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<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
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<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: center; font-weight: bold;">Condensed Balance Sheet</div><div style="text-align: center; font-weight: bold;">December 31,</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">2020</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; 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padding-bottom: 4px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"><div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Liabilities and stockholders&#8217; equity</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%;"><div style="text-indent: -9pt; margin-left: 9pt;">Junior subordinated debentures</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div style="font-family: &amp;quot;">3,315</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div style="font-family: &amp;quot;">4,335</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Accrued expenses and other liabilities</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">79</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">57</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"><div style="text-indent: -9pt; margin-left: 9pt;">Stockholders&#8217; equity</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"><div><div style="font-family: &amp;quot;">48,885</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"><div><div style="font-family: &amp;quot;">48,848</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 18pt;">Total liabilities and stockholders&#8217; equity</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">52,279</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">53,240</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ScheduleOfCondensedIncomeStatementTableTextBlock', window );">Condensed Statements of Income</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: center; font-weight: bold;">Condensed Statements of Income</div><div style="text-align: center; font-weight: bold;">Years ended December 31,</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-weight: bold;">2019</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Interest income</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>23</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>23</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%;"><div style="text-indent: -9pt; margin-left: 9pt;">Interest expense</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>(133</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>)</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>(247</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Other expense</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(1,033</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(720</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%;"><div style="text-indent: -9pt; margin-left: 9pt;">Loss before income tax and undistributed subsidiary income</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>(1,143</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>)</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>(944</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div>)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Income tax benefits</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>291</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>279</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"><div style="text-indent: -9pt; margin-left: 9pt;">Equity in undistributed subsidiary income</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>210</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>459</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Net loss</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(642</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(206</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock', window );">Condensed Statements of Cash Flows</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: center; font-weight: bold;">Condensed Statements of Cash Flows</div><div style="text-align: center; font-weight: bold;">Years ended December 31,</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">2020</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;"><div><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">2019</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-family: &amp;quot; font-weight: bold;">(In thousands)</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top;"><div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Cash flows from operating activities</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; 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width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 18pt;">Equity in undistributed subsidiary income</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">(210</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">)</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">(459</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%;"><div style="text-indent: -9pt; margin-left: 18pt;">Change in other assets</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div style="font-family: &amp;quot;">(223</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"><div><div style="font-family: &amp;quot;">(961</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"><div><div style="font-family: &amp;quot;">)</div></div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"><div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Cash flows from investing activities</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"><div style="text-indent: -9pt; margin-left: 9pt;">Dividends from bank subsidiary</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"><div><div style="font-family: &amp;quot;">2,000</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"><div><div style="font-family: &amp;quot;">1,650</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Net cash provided by investing activities</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">2,000</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">1,650</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%;"><div style="font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Cash flows from financing activities</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Common stock repurchased for tax withholdings</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">(14</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%;"><div style="text-indent: -9pt; margin-left: 9pt;">Repayments of borrowings</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div style="font-family: &amp;quot;">(1,020</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div style="font-family: &amp;quot;">)</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div style="font-family: &amp;quot;">(765</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;"><div style="font-family: &amp;quot;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Proceeds from repayment of ESOP loan</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">66</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">68</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"><div style="text-indent: -9pt; margin-left: 9pt;">Net cash used in financing activities</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"><div><div style="font-family: &amp;quot;">(954</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"><div><div style="font-family: &amp;quot;">)</div></div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"><div><div style="font-family: &amp;quot;">(711</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;"><div><div style="font-family: &amp;quot;">)</div></div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Net change in cash and cash equivalents</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">(8</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">)</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">(22</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;"><div style="text-indent: -9pt; margin-left: 9pt;">Beginning cash and cash equivalents</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"><div><div style="font-family: &amp;quot;">134</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;"><div><div style="font-family: &amp;quot;">156</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: #CCEEFF;"><div style="text-indent: -7.2pt; margin-left: 7.2pt; font-family: &amp;quot;">Ending cash and cash equivalents</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">126</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;"><div><div style="font-family: &amp;quot;">134</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 3<br> -Paragraph i<br> -Subsection 10<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed income statement, including, but not limited to, income statements of consolidated entities and consolidation eliminations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 3<br> -Paragraph i<br> -Subsection 10<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117944806632">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loss Per Common Share (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Loss Per Common Share [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock', window );">Factors Used in Earnings Per Common Share Computation</a></td>
<td class="text"><div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify;">The factors used in the earnings per common share computation follow:</div><div>&#160;</div><table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 66%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);"><div><div style="text-align: center; font-weight: bold;">2020</div><div></div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; 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width: 66%; padding-bottom: 2px;"><div style="text-indent: -9pt; margin-left: 9pt;">Less net income attributable to participating securities</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>-</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);"><div><div>-</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Loss available to common stockholders</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(642</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(206</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%;"><div style="text-indent: -9pt; margin-left: 9pt;">Weighted average common shares outstanding for basic earnings per common share</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>27,163,427</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;"><div>26,833,693</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 2px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Add: dilutive effects of unvested restricted stock awards</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>-</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>-</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"><div style="text-indent: -9pt; margin-left: 9pt;">Weighted average common shares outstanding for diluted earnings per common share</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>27,163,427</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>26,833,693</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div style="text-indent: -9pt; margin-left: 9pt;">Loss per common share &#8211; basic</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(0.02</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div><div>(0.01</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div><div>)</div></div></td></tr><tr><td valign="bottom" style="vertical-align: top; width: 66%; padding-bottom: 4px;"><div style="text-indent: -9pt; margin-left: 9pt;">Loss per common share &#8211; diluted</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>(0.02</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"><div><div>)</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>$</div></div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);"><div><div>(0.01</div></div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;"><div><div>)</div></div></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117945653144">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies, Nature of Operations and Principles of Consolidation (Details)<br></strong></div></th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>Office</div>
</th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_StatementGeographicalAxis=byfc_LosAnglesCaliforniaMember', window );">Los Angeles, California [Member]</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="top.Show.showAR( this, 'defref_byfc_NatureOfOperationsAndPrinciplesOfConsolidationAbstract', window );"><strong>Nature of Operations and Principles of Consolidation [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_NumberOfRetailBankingOffices', window );">Number of retail-banking offices</a></td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_StatementGeographicalAxis=byfc_InglewoodCaliforniaMember', window );">Inglewood, California [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_NatureOfOperationsAndPrinciplesOfConsolidationAbstract', window );"><strong>Nature of Operations and Principles of Consolidation [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_NumberOfRetailBankingOffices', window );">Number of retail-banking offices</a></td>
<td class="nump">1<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of retail-banking offices operated by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<head>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117944541064">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies, Loans Receivable Held for Investment (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDisclosureAbstract', window );"><strong>Loans Receivable Held for Investment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_FinancingReceivableDelinquencyPeriodForInterestIncomeOnLoansToBeDiscontinued', window );">Delinquency period for interest income to be discontinued on loans</a></td>
<td class="text">90 days<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period of interest income on loans to be discontinued, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117945643656">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies, Concentration of Credit Risk (Details) - Deposits [Member] - Customer Concentration Risk [Member] - Two Long-term Customers [Member]<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2020 </div>
<div>Customer</div>
</th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_ConcentrationPercentageAbstract', window );"><strong>Concentration of Credit Risk [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_NumberOfCustomersWithSignificantConcentrationRisks', window );">Number of customers with significant concentration risk</a></td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskPercentage1', window );">Percentage of concentration risk</a></td>
<td class="nump">13.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of customers with a significant concentration risk.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For an entity that discloses a concentration risk in relation to quantitative amount, which serves as the "benchmark" (or denominator) in the equation, this concept represents the concentration percentage derived from the division.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 42<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e9054-108599<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 18<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6351-108592<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=121572278&amp;loc=d3e13531-108611<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 21<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121572278&amp;loc=d3e13537-108611<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6404-108592<br></p></div>
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							e.nextSibling.style.display='block';
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</head>
<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117948392616">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies, Loans Purchased and Allowance for Loan Losses (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansPurchasedAbstract', window );"><strong>Loans Purchased [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment', window );">Purchase of loans receivable held for investment</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract', window );"><strong>Allowance for Loan Losses [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm', window );">Length of period over which historical loss experience is determined</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period over which the historical loss experience is evaluated to develop a reasonable estimate of loss, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_AllowanceForLoanLossesDeterminationOfHistoricalLossComponentTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_byfc_LoansPurchasedAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_LoansPurchasedAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</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_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow from (a) purchases of loans held-for-investment, (b) purchases of leases held-for-investment, and (c) both.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3213-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>73
<FILENAME>R47.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="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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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140118040441624">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies, Office Properties and Equipment (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember', window );">Office Buildings and Improvements [Member] | Minimum [Member]</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="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Office Properties and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Useful life</a></td>
<td class="text">10 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember', window );">Office Buildings and Improvements [Member] | Maximum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Office Properties and Equipment [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="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Useful life</a></td>
<td class="text">40 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=byfc_FurnitureFixtureAndEquipmentMember', window );">Furniture, Fixtures and Equipment [Member] | Minimum [Member]</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="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Office Properties and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Useful life</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=byfc_FurnitureFixtureAndEquipmentMember', window );">Furniture, Fixtures and Equipment [Member] | Maximum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Office Properties and Equipment [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="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Useful life</a></td>
<td class="text">10 years<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PropertyPlantAndEquipmentAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_PropertyPlantAndEquipmentUsefulLife">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Useful life of long lived, physical assets used in the normal conduct of business and not intended for resale, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Examples include, but not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PropertyPlantAndEquipmentUsefulLife</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=byfc_FurnitureFixtureAndEquipmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=byfc_FurnitureFixtureAndEquipmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>74
<FILENAME>R48.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117946596488">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies, Investment in Affordable Housing Limited Partnership (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2020</div></th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_OwnershipAxis=byfc_AffordableHousingLimitedPartnershipMember', window );">Affordable Housing Limited Partnership [Member] | Maximum [Member]</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="top.Show.showAR( this, 'defref_byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract', window );"><strong>Investment in Affordable Housing Limited Partnership [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LimitedLiabilityCompanyLLCOrLimitedPartnershipLPMembersOrLimitedPartnersOwnershipInterest', window );">Ownership interest</a></td>
<td class="nump">5.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_InvestmentInAffordableHousingLimitedPartnershipAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
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<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_us-gaap_LimitedLiabilityCompanyLLCOrLimitedPartnershipLPMembersOrLimitedPartnersOwnershipInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage investment held by members or limited partners of limited liability company (LLC) or limited partnership (LP).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 272<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6373374&amp;loc=d3e70478-108055<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LimitedLiabilityCompanyLLCOrLimitedPartnershipLPMembersOrLimitedPartnersOwnershipInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_OwnershipAxis=byfc_AffordableHousingLimitedPartnershipMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_OwnershipAxis=byfc_AffordableHousingLimitedPartnershipMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<head>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117944683304">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies, Operating Segments (Details) - Segment<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingDisclosureOfOtherInformationAboutEntitysReportableSegmentsAbstract', window );"><strong>Operating Segments [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NumberOfOperatingSegments', window );">Number of active operating subsidiaries</a></td>
<td class="nump">1<span></span>
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<td class="nump">1<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NumberOfReportableSegments', window );">Number of reportable business segments</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NumberOfOperatingSegments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of operating segments. An operating segment is a component of an enterprise: (a) that engages in business activities from which it may earn revenues and incur expenses (including revenues and expenses relating to transactions with other components of the same enterprise), (b) whose operating results are regularly reviewed by the enterprise's chief operating decision maker to make decisions about resources to be allocated to the segment and assess its performance, and (c) for which discrete financial information is available. An operating segment may engage in business activities for which it has yet to earn revenues, for example, start-up operations may be operating segments before earning revenues.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 18<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8672-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NumberOfOperatingSegments</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of segments reported by the entity. A reportable segment is a component of an entity for which there is an accounting requirement to report separate financial information on that component in the entity's financial statements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 18<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8672-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NumberOfReportableSegments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SegmentReportingDisclosureOfOtherInformationAboutEntitysReportableSegmentsAbstract</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117941542104">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Pending Acquisition (Details)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Aug. 25, 2020 </div>
<div>$ / shares</div>
</th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($) </div>
<div>$ / shares</div>
</th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($) </div>
<div>$ / shares</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionProFormaInformationAbstract', window );"><strong>Unaudited pro forma information [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_BusinessAcquisitionProFormaInterestIncomeExpenseNet', window );">Net interest income | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 23,781<span></span>
</td>
<td class="nump">$ 23,606<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss', window );">Net income | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,571<span></span>
</td>
<td class="nump">$ 3,241<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareBasic', window );">Basic earnings per share (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0.03<span></span>
</td>
<td class="nump">$ 0.06<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareDiluted', window );">Diluted earnings per share (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.03<span></span>
</td>
<td class="nump">0.06<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=byfc_VotingCommonStockMember', window );">Common Stock Voting [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_PendingAcquisitionDisclosureAbstract', window );"><strong>Pending Acquisition [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.01<span></span>
</td>
<td class="nump">0.01<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_NonvotingCommonStockMember', window );">Common Stock Non-Voting [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_PendingAcquisitionDisclosureAbstract', window );"><strong>Pending Acquisition [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=byfc_CityFirstMember', window );">City First [Member] | Common Class A [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_PendingAcquisitionDisclosureAbstract', window );"><strong>Pending Acquisition [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=byfc_CityFirstMember', window );">City First [Member] | Common Class B [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_PendingAcquisitionDisclosureAbstract', window );"><strong>Pending Acquisition [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="nump">0.50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=byfc_CityFirstMember', window );">City First [Member] | Common Stock Voting [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_PendingAcquisitionDisclosureAbstract', window );"><strong>Pending Acquisition [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityNoteStockSplitConversionRatio1', window );">Share conversion ratio</a></td>
<td class="nump">13.626<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=byfc_CityFirstMember', window );">City First [Member] | Common Stock Non-Voting [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_PendingAcquisitionDisclosureAbstract', window );"><strong>Pending Acquisition [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=byfc_CityFirstMember', window );">City First [Member] | Series A Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_PendingAcquisitionDisclosureAbstract', window );"><strong>Pending Acquisition [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityNoteStockSplitConversionRatio1', window );">Share conversion ratio</a></td>
<td class="nump">1.00<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=byfc_CityFirstMember', window );">City First [Member] | Series B Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_PendingAcquisitionDisclosureAbstract', window );"><strong>Pending Acquisition [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_BusinessAcquisitionProFormaInterestIncomeExpenseNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The pro forma net amount of operating interest income (expense). for the period as if the business combination or combinations had been completed at the beginning of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_BusinessAcquisitionProFormaInterestIncomeExpenseNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_byfc_PendingAcquisitionDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_PendingAcquisitionDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</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_us-gaap_BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Per basic share amount of pro forma income from continuing operations, after tax, as if the business combination had been completed at the beginning of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=79982066&amp;loc=d3e1392-128463<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=79982066&amp;loc=d3e1392-128463<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Per diluted share amount of pro forma income from continuing operations, after tax, as if the business combination had been completed at the beginning of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=79982066&amp;loc=d3e1392-128463<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=79982066&amp;loc=d3e1392-128463<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_BusinessAcquisitionProFormaInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_BusinessAcquisitionProFormaInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The pro forma net Income or Loss for the period as if the business combination or combinations had been completed at the beginning of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=79982066&amp;loc=d3e1392-128463<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=79982066&amp;loc=d3e1392-128463<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of common stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityNoteStockSplitConversionRatio1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio applied to the conversion of stock split, for example but not limited to, one share converted to two or two shares converted to one.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 4<br> -Subparagraph (SAB TOPIC 4.C)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187143-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockholdersEquityNoteStockSplitConversionRatio1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</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_us-gaap_StatementClassOfStockAxis=byfc_VotingCommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=byfc_VotingCommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_NonvotingCommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_NonvotingCommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=byfc_CityFirstMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=byfc_CityFirstMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassBMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassBMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>77
<FILENAME>R51.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935566616">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Securities (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($) </div>
<div>security</div>
</th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($) </div>
<div>security</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueToAmortizedCostBasisAbstract', window );"><strong>Available-for-Sale Investment Securities Portfolios [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized cost</a></td>
<td class="nump">$ 10,232<span></span>
</td>
<td class="nump">$ 10,806<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross unrealized gains</a></td>
<td class="nump">466<span></span>
</td>
<td class="nump">200<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross unrealized losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Fair value</a></td>
<td class="nump">10,698<span></span>
</td>
<td class="nump">11,006<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SecurityOwnedAndPledgedAsCollateralFairValue', window );">Securities pledged to secure public deposits</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AvailableForSaleSecuritiesOfAnyOneIssuerGreaterThanTenPercentOfShareholdersEquity', window );">Securities of any one issuer, other than U.S. Government, greater than 10% of stockholders' equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Sales of securities</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_UnrealizedGainsOnSecuritiesNumberOfSecuritiesHeld', window );">Number of securities held with unrealized gains | security</a></td>
<td class="nump">29<span></span>
</td>
<td class="nump">24<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions', window );">Number of securities held with unrealized losses | security</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember', window );">Federal Agency Mortgage-backed Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueToAmortizedCostBasisAbstract', window );"><strong>Available-for-Sale Investment Securities Portfolios [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized cost</a></td>
<td class="nump">$ 5,550<span></span>
</td>
<td class="nump">$ 7,792<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross unrealized gains</a></td>
<td class="nump">257<span></span>
</td>
<td class="nump">164<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross unrealized losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Fair value</a></td>
<td class="nump">$ 5,807<span></span>
</td>
<td class="nump">7,956<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_NumberOfSecuritiesHeld', window );">Number of securities held | security</a></td>
<td class="nump">22<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_MortgageBackedSecuritiesEstimatedRemainingTerm', window );">Estimated average remaining life</a></td>
<td class="text">2 years 9 months 18 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember', window );">Federal Agency Debt [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueToAmortizedCostBasisAbstract', window );"><strong>Available-for-Sale Investment Securities Portfolios [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized cost</a></td>
<td class="nump">$ 2,682<span></span>
</td>
<td class="nump">3,014<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross unrealized gains</a></td>
<td class="nump">190<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross unrealized losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Fair value</a></td>
<td class="nump">$ 2,872<span></span>
</td>
<td class="nump">$ 3,050<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_NumberOfSecuritiesHeld', window );">Number of securities held | security</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_MortgageBackedSecuritiesEstimatedRemainingTerm', window );">Estimated average remaining life</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MunicipalBondsMember', window );">Municipal Bonds [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueToAmortizedCostBasisAbstract', window );"><strong>Available-for-Sale Investment Securities Portfolios [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized cost</a></td>
<td class="nump">$ 2,000<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross unrealized gains</a></td>
<td class="nump">19<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross unrealized losses</a></td>
<td class="nump">0<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Fair value</a></td>
<td class="nump">$ 2,019<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_NumberOfSecuritiesHeld', window );">Number of securities held | security</a></td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_MortgageBackedSecuritiesEstimatedRemainingTerm', window );">Estimated average remaining life</a></td>
<td class="text">6 years 4 months 24 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_AvailableForSaleSecuritiesOfAnyOneIssuerGreaterThanTenPercentOfShareholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents risk arising from securities held by individual issuers in an amount greater than 10% of stockholders' equity. Excludes U.S. Government and its agencies.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_AvailableForSaleSecuritiesOfAnyOneIssuerGreaterThanTenPercentOfShareholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_MortgageBackedSecuritiesEstimatedRemainingTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the estimated remaining life of mortgage-backed securities in the entity's investment portfolio.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_MortgageBackedSecuritiesEstimatedRemainingTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_byfc_NumberOfSecuritiesHeld">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of securities held at the end of reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_NumberOfSecuritiesHeld</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_UnrealizedGainsOnSecuritiesNumberOfSecuritiesHeld">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of securities held with unrealized gains at the end of reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_UnrealizedGainsOnSecuritiesNumberOfSecuritiesHeld</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of unrealized gain in accumulated other comprehensive income (AOCI) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of unrealized loss in accumulated other comprehensive income (AOCI) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td>instant</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27161-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121558606&amp;loc=SL82898722-210454<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121558606&amp;loc=SL82898722-210454<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=d3e26610-111562<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AvailableForSaleSecuritiesDebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesFairValueToAmortizedCostBasisAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AvailableForSaleSecuritiesFairValueToAmortizedCostBasisAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of investments in debt securities measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27290-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=121582814&amp;loc=SL82922888-210455<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from sale of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=d3e26853-111562<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3151-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SecurityOwnedAndPledgedAsCollateralFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of financial instrument held by the entity for its own account (proprietary securities) for trading or investment purposes that are carried at fair value and pledged to counterparties as collateral for financing transactions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (b)(1)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=109249958&amp;loc=SL6224234-111729<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=66007379&amp;loc=d3e113888-111728<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SecurityOwnedAndPledgedAsCollateralFairValue</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117946491448">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Receivable Held for Sale (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
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<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsaleAbstract', window );"><strong>Loans Receivable Held for Sale [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1', window );">Transfers of loans receivable held for investment to loans receivable held for sale</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 10,684<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfLoansAndLeases', window );">Gain on sale of loans</a></td>
<td class="nump">276<span></span>
</td>
<td class="nump">204<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember', window );">Multi-Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsaleAbstract', window );"><strong>Loans Receivable Held for Sale [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup', window );">Loans receivable held for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1', window );">Transfers of loans receivable held for investment to loans receivable held for sale</a></td>
<td class="nump">13,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansHeldForSaleSoldParValue', window );">Loan sales</a></td>
<td class="nump">22,800<span></span>
</td>
<td class="nump">22,800<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfLoansAndLeases', window );">Gain on sale of loans</a></td>
<td class="nump">276<span></span>
</td>
<td class="nump">204<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromCollectionOfLoansHeldForSale', window );">Loan repayments</a></td>
<td class="nump">$ 637<span></span>
</td>
<td class="nump">$ 115<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_LoansHeldForSaleSoldParValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans held-for-sale including, but not limited to, mortgage loans and finance receivables during period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_LoansHeldForSaleSoldParValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_GainLossOnSaleOfLoansAndLeases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans and leases that were sold during the reporting period. This element refers to the gain (loss) and not to the cash proceeds of the sales. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_GainLossOnSaleOfLoansAndLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after valuation allowance, of financing receivable held for sale and not part of disposal group. Excludes loan covered under loss sharing agreement and loan classified as investment in debt security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 310<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=120238483&amp;loc=d3e48678-111004<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromCollectionOfLoansHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from collection of repayments from borrowers on loans that are held with the intention to resell in the near future; includes mortgages and other types of loans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3337-108585<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 21<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3461-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProceedsFromCollectionOfLoansHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsaleAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsaleAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value of loans and leases held in the entity's portfolio transferred to loans and leases held-for-sale in noncash transactions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=d3e4304-108586<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=d3e4332-108586<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=d3e4313-108586<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935821480">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans Receivable Held for Investment (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Loans Receivable Held for Investment, Net [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Gross loans receivable before deferred loan costs and premiums</a></td>
<td class="nump">$ 362,044<span></span>
</td>
<td class="nump">$ 399,701<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums', window );">Unamortized net deferred loan costs and premiums</a></td>
<td class="nump">1,300<span></span>
</td>
<td class="nump">1,328<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">363,344<span></span>
</td>
<td class="nump">401,029<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
<td class="num">(3,215)<span></span>
</td>
<td class="num">(3,182)<span></span>
</td>
<td class="num">$ (2,929)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Loans receivable, net</a></td>
<td class="nump">360,129<span></span>
</td>
<td class="nump">397,847<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Loans Receivable Held for Investment, Net [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Gross loans receivable before deferred loan costs and premiums</a></td>
<td class="nump">48,217<span></span>
</td>
<td class="nump">72,883<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">48,357<span></span>
</td>
<td class="nump">73,112<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
<td class="num">(296)<span></span>
</td>
<td class="num">(312)<span></span>
</td>
<td class="num">(369)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Loans Receivable Held for Investment, Net [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Gross loans receivable before deferred loan costs and premiums</a></td>
<td class="nump">272,387<span></span>
</td>
<td class="nump">287,378<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">273,864<span></span>
</td>
<td class="nump">289,043<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
<td class="num">(2,433)<span></span>
</td>
<td class="num">(2,319)<span></span>
</td>
<td class="num">(1,880)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Loans Receivable Held for Investment, Net [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Gross loans receivable before deferred loan costs and premiums</a></td>
<td class="nump">24,289<span></span>
</td>
<td class="nump">14,728<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">24,322<span></span>
</td>
<td class="nump">14,818<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
<td class="num">(222)<span></span>
</td>
<td class="num">(133)<span></span>
</td>
<td class="num">(52)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Loans Receivable Held for Investment, Net [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Gross loans receivable before deferred loan costs and premiums</a></td>
<td class="nump">16,658<span></span>
</td>
<td class="nump">21,301<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">16,308<span></span>
</td>
<td class="nump">20,648<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
<td class="num">(237)<span></span>
</td>
<td class="num">(362)<span></span>
</td>
<td class="num">(603)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Loans Receivable Held for Investment, Net [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Gross loans receivable before deferred loan costs and premiums</a></td>
<td class="nump">429<span></span>
</td>
<td class="nump">3,128<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">430<span></span>
</td>
<td class="nump">3,125<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
<td class="num">(22)<span></span>
</td>
<td class="num">(48)<span></span>
</td>
<td class="num">(19)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Loans Receivable Held for Investment, Net [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Gross loans receivable before deferred loan costs and premiums</a></td>
<td class="nump">57<span></span>
</td>
<td class="nump">262<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">56<span></span>
</td>
<td class="nump">262<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
<td class="num">(4)<span></span>
</td>
<td class="num">(7)<span></span>
</td>
<td class="num">(6)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Loans Receivable Held for Investment, Net [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Gross loans receivable before deferred loan costs and premiums</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
<td class="num">$ (1)<span></span>
</td>
<td class="num">$ (1)<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)(1)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=121614798&amp;loc=d3e15032-111544<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 4<br> -Subparagraph (SAB Topic 6.L.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74567-122707<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allowance and fees, of loans and leases receivable. Excludes loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableBeforeFeesGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred fees paid by borrowers and unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of loans that are being amortized into income as an adjustment to yield. Excludes amounts for loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6378536&amp;loc=d3e10092-111533<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_SingleFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_SingleFamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_ChurchLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_ChurchLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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<head>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117941948648">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Receivable Held for Investment, Activity in Allowance for Loan Losses by Loan Type (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for Loan and Lease Losses by Loan Type [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
<td class="nump">$ 3,182<span></span>
</td>
<td class="nump">$ 2,929<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for (recapture of) loan losses</a></td>
<td class="nump">29<span></span>
</td>
<td class="num">(7)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">260<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
<td class="nump">3,215<span></span>
</td>
<td class="nump">3,182<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for Loan and Lease Losses by Loan Type [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
<td class="nump">312<span></span>
</td>
<td class="nump">369<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for (recapture of) loan losses</a></td>
<td class="num">(20)<span></span>
</td>
<td class="num">(57)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
<td class="nump">296<span></span>
</td>
<td class="nump">312<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for Loan and Lease Losses by Loan Type [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
<td class="nump">2,319<span></span>
</td>
<td class="nump">1,880<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for (recapture of) loan losses</a></td>
<td class="nump">114<span></span>
</td>
<td class="nump">439<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
<td class="nump">2,433<span></span>
</td>
<td class="nump">2,319<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for Loan and Lease Losses by Loan Type [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
<td class="nump">133<span></span>
</td>
<td class="nump">52<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for (recapture of) loan losses</a></td>
<td class="nump">89<span></span>
</td>
<td class="nump">81<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
<td class="nump">222<span></span>
</td>
<td class="nump">133<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for Loan and Lease Losses by Loan Type [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
<td class="nump">362<span></span>
</td>
<td class="nump">603<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for (recapture of) loan losses</a></td>
<td class="num">(125)<span></span>
</td>
<td class="num">(501)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">260<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
<td class="nump">237<span></span>
</td>
<td class="nump">362<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for Loan and Lease Losses by Loan Type [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
<td class="nump">48<span></span>
</td>
<td class="nump">19<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for (recapture of) loan losses</a></td>
<td class="num">(26)<span></span>
</td>
<td class="nump">29<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">48<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for Loan and Lease Losses by Loan Type [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for (recapture of) loan losses</a></td>
<td class="num">(3)<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for Loan and Lease Losses by Loan Type [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for (recapture of) loan losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
<td class="nump">$ 1<span></span>
</td>
<td class="nump">$ 1<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_AllowanceForLoanAndLeaseLossesRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AllowanceForLoanAndLeaseLossesRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_LoansAndLeasesReceivableAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)(1)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=121614798&amp;loc=d3e15032-111544<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 4<br> -Subparagraph (SAB Topic 6.L.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74567-122707<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanAndLeaseLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense related to estimated loss from loan and lease transactions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProvisionForLoanAndLeaseLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_SingleFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_SingleFamilyLoanMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_ChurchLoanMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117936483912">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans Receivable Held for Investment, Allowance for Loan Losses and Recorded Investment in Loans by Type of Loans and Based on Impairment Method (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_EndingAllowanceAttributableToLoansAbstract', window );"><strong>Ending Allowance Balance Attributable to Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Individually evaluated for impairment</a></td>
<td class="nump">$ 141<span></span>
</td>
<td class="nump">$ 147<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
<td class="nump">3,074<span></span>
</td>
<td class="nump">3,035<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Total ending allowance balance</a></td>
<td class="nump">3,215<span></span>
</td>
<td class="nump">3,182<span></span>
</td>
<td class="nump">$ 2,929<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansAndLeasesReceivableAbstract', window );"><strong>Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Loans individually evaluated for impairment</a></td>
<td class="nump">4,731<span></span>
</td>
<td class="nump">5,343<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans collectively evaluated for impairment</a></td>
<td class="nump">358,613<span></span>
</td>
<td class="nump">395,686<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">363,344<span></span>
</td>
<td class="nump">401,029<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_EndingAllowanceAttributableToLoansAbstract', window );"><strong>Ending Allowance Balance Attributable to Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Individually evaluated for impairment</a></td>
<td class="nump">89<span></span>
</td>
<td class="nump">60<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
<td class="nump">207<span></span>
</td>
<td class="nump">252<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Total ending allowance balance</a></td>
<td class="nump">296<span></span>
</td>
<td class="nump">312<span></span>
</td>
<td class="nump">369<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansAndLeasesReceivableAbstract', window );"><strong>Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Loans individually evaluated for impairment</a></td>
<td class="nump">573<span></span>
</td>
<td class="nump">611<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans collectively evaluated for impairment</a></td>
<td class="nump">47,784<span></span>
</td>
<td class="nump">72,501<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">48,357<span></span>
</td>
<td class="nump">73,112<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_EndingAllowanceAttributableToLoansAbstract', window );"><strong>Ending Allowance Balance Attributable to Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Individually evaluated for impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
<td class="nump">2,433<span></span>
</td>
<td class="nump">2,319<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Total ending allowance balance</a></td>
<td class="nump">2,433<span></span>
</td>
<td class="nump">2,319<span></span>
</td>
<td class="nump">1,880<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansAndLeasesReceivableAbstract', window );"><strong>Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Loans individually evaluated for impairment</a></td>
<td class="nump">298<span></span>
</td>
<td class="nump">313<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans collectively evaluated for impairment</a></td>
<td class="nump">273,566<span></span>
</td>
<td class="nump">288,730<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">273,864<span></span>
</td>
<td class="nump">289,043<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_EndingAllowanceAttributableToLoansAbstract', window );"><strong>Ending Allowance Balance Attributable to Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Individually evaluated for impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
<td class="nump">222<span></span>
</td>
<td class="nump">133<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Total ending allowance balance</a></td>
<td class="nump">222<span></span>
</td>
<td class="nump">133<span></span>
</td>
<td class="nump">52<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansAndLeasesReceivableAbstract', window );"><strong>Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Loans individually evaluated for impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans collectively evaluated for impairment</a></td>
<td class="nump">24,322<span></span>
</td>
<td class="nump">14,818<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">24,322<span></span>
</td>
<td class="nump">14,818<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_EndingAllowanceAttributableToLoansAbstract', window );"><strong>Ending Allowance Balance Attributable to Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Individually evaluated for impairment</a></td>
<td class="nump">52<span></span>
</td>
<td class="nump">85<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
<td class="nump">185<span></span>
</td>
<td class="nump">277<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Total ending allowance balance</a></td>
<td class="nump">237<span></span>
</td>
<td class="nump">362<span></span>
</td>
<td class="nump">603<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansAndLeasesReceivableAbstract', window );"><strong>Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Loans individually evaluated for impairment</a></td>
<td class="nump">3,813<span></span>
</td>
<td class="nump">4,356<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans collectively evaluated for impairment</a></td>
<td class="nump">12,495<span></span>
</td>
<td class="nump">16,292<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">16,308<span></span>
</td>
<td class="nump">20,648<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_EndingAllowanceAttributableToLoansAbstract', window );"><strong>Ending Allowance Balance Attributable to Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Individually evaluated for impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">48<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Total ending allowance balance</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">48<span></span>
</td>
<td class="nump">19<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansAndLeasesReceivableAbstract', window );"><strong>Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Loans individually evaluated for impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans collectively evaluated for impairment</a></td>
<td class="nump">430<span></span>
</td>
<td class="nump">3,125<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">430<span></span>
</td>
<td class="nump">3,125<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_EndingAllowanceAttributableToLoansAbstract', window );"><strong>Ending Allowance Balance Attributable to Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Individually evaluated for impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Total ending allowance balance</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansAndLeasesReceivableAbstract', window );"><strong>Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Loans individually evaluated for impairment</a></td>
<td class="nump">47<span></span>
</td>
<td class="nump">63<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans collectively evaluated for impairment</a></td>
<td class="nump">9<span></span>
</td>
<td class="nump">199<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">56<span></span>
</td>
<td class="nump">262<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_EndingAllowanceAttributableToLoansAbstract', window );"><strong>Ending Allowance Balance Attributable to Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Individually evaluated for impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Total ending allowance balance</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansAndLeasesReceivableAbstract', window );"><strong>Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Loans individually evaluated for impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans collectively evaluated for impairment</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">$ 7<span></span>
</td>
<td class="nump">$ 21<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_EndingAllowanceAttributableToLoansAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_EndingAllowanceAttributableToLoansAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<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_byfc_LoansAndLeasesReceivableAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_LoansAndLeasesReceivableAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The balance of financing receivables that were collectively evaluated for impairment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The balance of financing receivables that were individually evaluated for impairment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)(1)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=121614798&amp;loc=d3e15032-111544<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 4<br> -Subparagraph (SAB Topic 6.L.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74567-122707<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableAllowance</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_SingleFamilyLoanMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_ChurchLoanMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember</td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117941615000">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans Receivable Held for Investment, Loans Individually Evaluated for Impairment by Loan Type (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithRelatedAllowanceAbstract', window );"><strong>With an Allowance Recorded [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses allocated</a></td>
<td class="nump">$ 141<span></span>
</td>
<td class="nump">$ 147<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansAbstract', window );"><strong>Total [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid principal balance</a></td>
<td class="nump">5,289<span></span>
</td>
<td class="nump">6,388<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded investment</a></td>
<td class="nump">4,731<span></span>
</td>
<td class="nump">5,343<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
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<td class="text">&#160;<span></span>
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<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="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid principal balance</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Recorded investment</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithRelatedAllowanceAbstract', window );"><strong>With an Allowance Recorded [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid principal balance</a></td>
<td class="nump">573<span></span>
</td>
<td class="nump">593<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Recorded investment</a></td>
<td class="nump">573<span></span>
</td>
<td class="nump">593<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses allocated</a></td>
<td class="nump">88<span></span>
</td>
<td class="nump">60<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithNoRelatedAllowanceAbstract', window );"><strong>With No Related Allowance Recorded [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid principal balance</a></td>
<td class="nump">298<span></span>
</td>
<td class="nump">313<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Recorded investment</a></td>
<td class="nump">298<span></span>
</td>
<td class="nump">313<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithRelatedAllowanceAbstract', window );"><strong>With an Allowance Recorded [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid principal balance</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Recorded investment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses allocated</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithNoRelatedAllowanceAbstract', window );"><strong>With No Related Allowance Recorded [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid principal balance</a></td>
<td class="nump">2,527<span></span>
</td>
<td class="nump">3,491<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Recorded investment</a></td>
<td class="nump">1,970<span></span>
</td>
<td class="nump">2,446<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithRelatedAllowanceAbstract', window );"><strong>With an Allowance Recorded [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid principal balance</a></td>
<td class="nump">1,842<span></span>
</td>
<td class="nump">1,928<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Recorded investment</a></td>
<td class="nump">1,842<span></span>
</td>
<td class="nump">1,928<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses allocated</a></td>
<td class="nump">52<span></span>
</td>
<td class="nump">85<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithRelatedAllowanceAbstract', window );"><strong>With an Allowance Recorded [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid principal balance</a></td>
<td class="nump">47<span></span>
</td>
<td class="nump">63<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Recorded investment</a></td>
<td class="nump">47<span></span>
</td>
<td class="nump">63<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses allocated</a></td>
<td class="nump">$ 1<span></span>
</td>
<td class="nump">$ 2<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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_byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithNoRelatedAllowanceAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithNoRelatedAllowanceAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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_byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithRelatedAllowanceAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithRelatedAllowanceAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953550-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance for credit losses related to recorded investment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ImpairedFinancingReceivableRelatedAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unpaid principal balance of impaired financing receivables with related allowance for credit losses and without related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in impaired financing receivables for which there is no related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953550-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unpaid principal balance of impaired financing receivables for which there is no related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in impaired financing receivables for which there is a related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953550-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Unpaid principal balance of impaired financing receivables for which there is a related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_SingleFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_SingleFamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_ChurchLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117936422376">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Receivable Held for Investment, Average of Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract', window );"><strong>Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">$ 4,985<span></span>
</td>
<td class="nump">$ 6,024<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Cash basis interest income recognized</a></td>
<td class="nump">496<span></span>
</td>
<td class="nump">995<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans', window );">Foregone interest income</a></td>
<td class="nump">89<span></span>
</td>
<td class="nump">120<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract', window );"><strong>Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">591<span></span>
</td>
<td class="nump">626<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Cash basis interest income recognized</a></td>
<td class="nump">29<span></span>
</td>
<td class="nump">29<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract', window );"><strong>Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">306<span></span>
</td>
<td class="nump">318<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Cash basis interest income recognized</a></td>
<td class="nump">21<span></span>
</td>
<td class="nump">22<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract', window );"><strong>Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">4,033<span></span>
</td>
<td class="nump">5,017<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Cash basis interest income recognized</a></td>
<td class="nump">442<span></span>
</td>
<td class="nump">939<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract', window );"><strong>Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">55<span></span>
</td>
<td class="nump">63<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Cash basis interest income recognized</a></td>
<td class="nump">$ 4<span></span>
</td>
<td class="nump">$ 5<span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_LoansIndividuallyEvaluatedForImpairmentByLoanTypeAndRelatedInterestIncomeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5212-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5258-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income recognized on a cash-basis method of accounting that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Reflects the amount of additional interest income that would have been recorded if impaired or nonperforming loans were instead current, in compliance with their original terms, and outstanding throughout the reporting period or since origination (if held for part of the period).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121585226&amp;loc=d3e18794-111554<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_SingleFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_SingleFamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_ChurchLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935970920">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans Receivable Held for Investment, Aging of Recorded Investment in Past Due Loans by Loan Type (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 18<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">363,344<span></span>
</td>
<td class="nump">401,011<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">363,344<span></span>
</td>
<td class="nump">401,029<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember', window );">30-59 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember', window );">60-89 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">Greater than 90 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">48,357<span></span>
</td>
<td class="nump">73,094<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">48,357<span></span>
</td>
<td class="nump">73,112<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member] | 30-59 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member] | 60-89 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member] | Greater than 90 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">273,864<span></span>
</td>
<td class="nump">289,043<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">273,864<span></span>
</td>
<td class="nump">289,043<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member] | 30-59 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member] | 60-89 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member] | Greater than 90 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">24,322<span></span>
</td>
<td class="nump">14,818<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">24,322<span></span>
</td>
<td class="nump">14,818<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member] | Greater than 90 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">16,308<span></span>
</td>
<td class="nump">20,648<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">16,308<span></span>
</td>
<td class="nump">20,648<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member] | 30-59 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member] | 60-89 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member] | Greater than 90 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">430<span></span>
</td>
<td class="nump">3,125<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">430<span></span>
</td>
<td class="nump">3,125<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member] | 30-59 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member] | 60-89 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member] | Greater than 90 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">56<span></span>
</td>
<td class="nump">262<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">56<span></span>
</td>
<td class="nump">262<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member] | 30-59 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member] | 60-89 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member] | Greater than 90 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">21<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Gross loans receivable</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">21<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer [Member] | 30-59 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer [Member] | 60-89 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer [Member] | Greater than 90 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable not past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953401-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=121647567&amp;loc=SL82922355-210448<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919253-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=121647567&amp;loc=SL82922355-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919253-210447<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953401-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinancingReceivableRecordedInvestmentPastDue</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Name:</strong></td>
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember</td>
</tr>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_ChurchLoanMember</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember</td>
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<tr>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117943331448">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans Receivable Held for Investment, Recorded Investment in Non-accrual Loans by Loan Type (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract', window );"><strong>Loans Receivable Held for Investment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Total non-accrual loans</a></td>
<td class="nump">$ 787<span></span>
</td>
<td class="nump">$ 424<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Loans 90 days or more delinquent that were accruing interest</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract', window );"><strong>Loans Receivable Held for Investment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Total non-accrual loans</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract', window );"><strong>Loans Receivable Held for Investment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Total non-accrual loans</a></td>
<td class="nump">$ 786<span></span>
</td>
<td class="nump">$ 406<span></span>
</td>
</tr>
</table>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_LoansReceivableHeldForInvestmentNonAccrualLoansAbstract</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable 90 days or more past due and still accruing.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 16<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919258-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5111-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=121647567&amp;loc=SL82922355-210448<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable on nonaccrual status.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5111-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 16<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919258-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_SingleFamilyLoanMember</td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_ChurchLoanMember</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</body>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>86
<FILENAME>R60.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935607672">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Receivable Held for Investment, Troubled Debt Restructurings (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($) </div>
<div>Loan</div>
</th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($) </div>
<div>Loan</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_TroubledDebtRestructuringsAbstract', window );"><strong>Troubled Debt Restructurings [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Loans classified as troubled debt restructurings</a></td>
<td class="nump">$ 4,200<span></span>
</td>
<td class="nump">$ 4,700<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans', window );">Specific reserves allocated to TDRs</a></td>
<td class="nump">$ 141<span></span>
</td>
<td class="nump">147<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments', window );">Timely payment period for return to accrual status</a></td>
<td class="text">6 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend', window );">Commitments to lend additional amounts to customers with TDRs</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of loans modified | Loan</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=byfc_NonAccrualStatusMember', window );">Non-accrual Status [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_TroubledDebtRestructuringsAbstract', window );"><strong>Troubled Debt Restructurings [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Loans classified as troubled debt restructurings</a></td>
<td class="nump">$ 232<span></span>
</td>
<td class="nump">$ 406<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=byfc_AccrualStatusMember', window );">Accrual Status [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_TroubledDebtRestructuringsAbstract', window );"><strong>Troubled Debt Restructurings [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Loans classified as troubled debt restructurings</a></td>
<td class="nump">$ 4,000<span></span>
</td>
<td class="nump">$ 4,300<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance to cover probable credit losses on loans for which the terms have been modified in troubled debt restructurings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period of receipt of timely payments after which a financing receivable that has been modified in a troubled debt restructuring and is on non-accrual status can typically be returned to accrual status, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_byfc_TroubledDebtRestructuringsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_TroubledDebtRestructuringsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</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_us-gaap_FinancingReceivableModificationsNumberOfContracts2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of financing receivables that have been modified by troubled debt restructurings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953676-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinancingReceivableModificationsNumberOfContracts2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</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_us-gaap_FinancingReceivableModificationsRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable modified as troubled debt restructuring.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953676-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 40<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121585226&amp;loc=d3e18845-111554<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinancingReceivableModificationsRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unfunded portion of contractual agreement to lend funds to borrower for financing receivable modified as troubled debt restructuring.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121585226&amp;loc=d3e18794-111554<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=byfc_NonAccrualStatusMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=byfc_NonAccrualStatusMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=byfc_AccrualStatusMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=byfc_AccrualStatusMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117934324552">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans Receivable Held for Investment, Credit Quality Indicators (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">$ 363,344<span></span>
</td>
<td class="nump">$ 401,029<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember', window );">Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">358,037<span></span>
</td>
<td class="nump">396,054<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=byfc_WatchMember', window );">Watch [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">2,145<span></span>
</td>
<td class="nump">822<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember', window );">Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember', window );">Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">3,162<span></span>
</td>
<td class="nump">4,153<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember', window );">Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_UnlikelyToBeCollectedFinancingReceivableMember', window );">Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">48,357<span></span>
</td>
<td class="nump">73,112<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">48,357<span></span>
</td>
<td class="nump">73,094<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member] | Watch [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Single Family [Member] | Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">273,864<span></span>
</td>
<td class="nump">289,043<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">273,501<span></span>
</td>
<td class="nump">288,251<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member] | Watch [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">411<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">362<span></span>
</td>
<td class="nump">381<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Multi-Family [Member] | Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">24,322<span></span>
</td>
<td class="nump">14,818<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">22,834<span></span>
</td>
<td class="nump">14,818<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member] | Watch [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">1,488<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Commercial Real Estate [Member] | Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">16,308<span></span>
</td>
<td class="nump">20,648<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">12,899<span></span>
</td>
<td class="nump">16,546<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member] | Watch [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">657<span></span>
</td>
<td class="nump">411<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">2,752<span></span>
</td>
<td class="nump">3,691<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Church [Member] | Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">430<span></span>
</td>
<td class="nump">3,125<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">430<span></span>
</td>
<td class="nump">3,125<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member] | Watch [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember', window );">Real Estate [Member] | Construction [Member] | Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">56<span></span>
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<td class="nump">262<span></span>
</td>
</tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">9<span></span>
</td>
<td class="nump">199<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member] | Watch [Member]</a></td>
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</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">47<span></span>
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<td class="nump">63<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial - Other [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable</a></td>
<td class="nump">0<span></span>
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<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RiskGradeCategoryOfLoansByLoanTypeAbstract', window );"><strong>Risk Grade Category of Loans by Loan Type [Abstract]</strong></a></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br></p></div>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_UnlikelyToBeCollectedFinancingReceivableMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_UnlikelyToBeCollectedFinancingReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_SingleFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_SingleFamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_MultifamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_ChurchLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=byfc_ChurchLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117936407768">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Office Properties and Equipment, net (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract', window );"><strong>Office Properties and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Office properties and equipment, gross</a></td>
<td class="nump">$ 6,276<span></span>
</td>
<td class="nump">$ 6,398<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Less accumulated depreciation</a></td>
<td class="num">(3,736)<span></span>
</td>
<td class="num">(3,615)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Office properties and equipment, net</a></td>
<td class="nump">2,540<span></span>
</td>
<td class="nump">2,783<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation expense</a></td>
<td class="nump">121<span></span>
</td>
<td class="nump">227<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandMember', window );">Land [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract', window );"><strong>Office Properties and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Office properties and equipment, gross</a></td>
<td class="nump">572<span></span>
</td>
<td class="nump">572<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember', window );">Office Buildings and Improvements [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract', window );"><strong>Office Properties and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Office properties and equipment, gross</a></td>
<td class="nump">3,275<span></span>
</td>
<td class="nump">3,268<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=byfc_RightOfUseAssetsMember', window );">Rights of Use Assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract', window );"><strong>Office Properties and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Office properties and equipment, gross</a></td>
<td class="nump">190<span></span>
</td>
<td class="nump">727<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember', window );">Furniture, Fixtures and Equipment [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract', window );"><strong>Office Properties and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Office properties and equipment, gross</a></td>
<td class="nump">$ 2,239<span></span>
</td>
<td class="nump">$ 1,831<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Depreciation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_Depreciation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_PropertyPlantAndEquipmentGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PropertyPlantAndEquipmentGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(14))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PropertyPlantAndEquipmentNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=byfc_RightOfUseAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=byfc_RightOfUseAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140118040023048">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Leases (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($) </div>
<div>Option</div>
</th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseDescriptionAbstract', window );"><strong>Operating Lease [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions', window );">Number of options to extend | Option</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseRenewalTerm', window );">Operating lease, extension term</a></td>
<td class="text">5 years<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseRightOfUseAsset', window );">ROU asset</a></td>
<td class="nump">$ 190<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList', window );">Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]</a></td>
<td class="text">us-gaap_PropertyPlantAndEquipmentNet<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseLiability', window );">Operating lease liability</a></td>
<td class="nump">$ 194<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList', window );">Operating Lease, Liability, Statement of Financial Position [Extensible List]</a></td>
<td class="text">us-gaap_AccruedLiabilitiesAndOtherLiabilities<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeaseCost', window );">Operating lease expense</a></td>
<td class="nump">$ 598<span></span>
</td>
<td class="nump">$ 600<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of times the Company may opt to extend an operating lease, as defined in the lease agreement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_LesseeOperatingLeaseNumberOfLeaseExtensionOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeaseCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of lease cost recognized by lessee for lease contract.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121609121&amp;loc=SL77918686-209980<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 55<br> -Paragraph 53<br> -URI http://asc.fasb.org/extlink&amp;oid=121568110&amp;loc=SL77918982-209971<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LeaseCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeaseDescriptionAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LesseeOperatingLeaseDescriptionAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<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_us-gaap_LesseeOperatingLeaseRenewalTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Term of lessee's operating lease renewal, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=121609121&amp;loc=SL77918673-209980<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LesseeOperatingLeaseRenewalTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Present value of lessee's discounted obligation for lease payments from operating lease.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121603541&amp;loc=SL77918627-209977<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OperatingLeaseLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of financial position that includes operating lease liability.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121603541&amp;loc=SL77918631-209977<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>srt-types:extensibleListItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseRightOfUseAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's right to use underlying asset under operating lease.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121603541&amp;loc=SL77918627-209977<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OperatingLeaseRightOfUseAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of financial position that includes operating lease right-of-use asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121603541&amp;loc=SL77918631-209977<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>srt-types:extensibleListItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>90
<FILENAME>R64.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="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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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117945350856">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Leases, Additional Information for Operating Leases (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($)</div>
</th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasePayments', window );">Cash paid for amounts included in the measurement of lease liabilities for operating leases:</a></td>
<td class="nump">$ 351<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability', window );">ROU assets obtained in exchange for lease liabilities</a></td>
<td class="nump">$ 190<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1', window );">Weighted average remaining lease term in months</a></td>
<td class="text">4 months<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent', window );">Weighted average discount rate</a></td>
<td class="nump">2.75%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LeasesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_OperatingLeasePayments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow from operating lease, excluding payments to bring another asset to condition and location necessary for its intended use.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 45<br> -Paragraph 5<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121603541&amp;loc=SL77918643-209977<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (g)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121609121&amp;loc=SL77918686-209980<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OperatingLeasePayments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average discount rate for operating lease calculated at point in time.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (g)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=121609121&amp;loc=SL77918686-209980<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 55<br> -Paragraph 53<br> -URI http://asc.fasb.org/extlink&amp;oid=121568110&amp;loc=SL77918982-209971<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining lease term for operating lease, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 55<br> -Paragraph 53<br> -URI http://asc.fasb.org/extlink&amp;oid=121568110&amp;loc=SL77918982-209971<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (g)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=121609121&amp;loc=SL77918686-209980<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in right-of-use asset obtained in exchange for operating lease liability.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 55<br> -Paragraph 53<br> -URI http://asc.fasb.org/extlink&amp;oid=121568110&amp;loc=SL77918982-209971<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (g)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121609121&amp;loc=SL77918686-209980<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>91
<FILENAME>R65.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117944696488">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Leases, Future Minimum Payments for Operating Leases (Details)<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract', window );"><strong>Future Minimum Payments for Operating Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths', window );">Year ended December 31, 2021</a></td>
<td class="nump">$ 195<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue', window );">Total Future Minimum Lease Payments</a></td>
<td class="nump">195<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount', window );">Amounts Representing Interest</a></td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseLiability', window );">Present Value of Net Future Minimum Lease Payments</a></td>
<td class="nump">$ 194<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's undiscounted obligation for lease payment for operating lease.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121609121&amp;loc=SL77918701-209980<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121609121&amp;loc=SL77918701-209980<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's undiscounted obligation for lease payments in excess of discounted obligation for lease payments for operating lease.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121609121&amp;loc=SL77918701-209980<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Present value of lessee's discounted obligation for lease payments from operating lease.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121603541&amp;loc=SL77918627-209977<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935730808">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value, Assets Measured on Recurring Basis (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
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<td class="nump">0<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">5,807<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember', window );">Federal Agency Debt [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Securities available-for-sale</a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Securities available-for-sale</a></td>
<td class="nump">5,807<span></span>
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<td class="nump">7,956<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AssetsMeasuredOnRecurringBasisAbstract', window );"><strong>Assets Measured on Recurring Basis [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Securities available-for-sale</a></td>
<td class="nump">2,019<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring Basis [Member] | Federal Agency Debt [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Securities available-for-sale</a></td>
<td class="nump">2,872<span></span>
</td>
<td class="nump">3,050<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Federal Agency Mortgage-backed [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AssetsMeasuredOnRecurringBasisAbstract', window );"><strong>Assets Measured on Recurring Basis [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Securities available-for-sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Municipal Bonds [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AssetsMeasuredOnRecurringBasisAbstract', window );"><strong>Assets Measured on Recurring Basis [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Securities available-for-sale</a></td>
<td class="nump">0<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Federal Agency Debt [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AssetsMeasuredOnRecurringBasisAbstract', window );"><strong>Assets Measured on Recurring Basis [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121558606&amp;loc=SL82898722-210454<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=d3e26610-111562<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27161-111563<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of transfers of assets measured on a recurring basis out of Level 1 of the fair value hierarchy into Level 2.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of transfers of assets measured on a recurring basis out of Level 2 of the fair value hierarchy into Level 1.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of transfer of financial instrument classified as an asset into level 3 of the fair value hierarchy.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of transfers of financial instrument classified as an asset out of level 3 of the fair value hierarchy.</p></div>
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<td><strong> Balance Type:</strong></td>
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<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117945397320">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value, Assets Measured on Non-Recurring Basis (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Non-Recurring Basis [Member] | Impaired Loans Carried at Fair Value of Collateral [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AssetsMeasuredOnNonRecurringBasisAbstract', window );"><strong>Assets Measured on Non-Recurring Basis [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Assets, fair value</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 130<span></span>
</td>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_AssetsMeasuredOnNonRecurringBasisAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">us-gaap_AssetsFairValueDisclosure</td>
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<td>debit</td>
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<td>instant</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=byfc_ImpairedLoansMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<TYPE>XML
<SEQUENCE>94
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935462760">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value, Fair Values of Financial Instruments (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Securities available-for-sale</a></td>
<td class="nump">$ 10,698<span></span>
</td>
<td class="nump">$ 11,006<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember', window );">Carrying Value [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">96,109<span></span>
</td>
<td class="nump">15,566<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Securities available-for-sale</a></td>
<td class="nump">10,698<span></span>
</td>
<td class="nump">11,006<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans receivable held for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans receivable held for investment</a></td>
<td class="nump">360,129<span></span>
</td>
<td class="nump">397,847<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="nump">1,202<span></span>
</td>
<td class="nump">1,223<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_BankOwnedLifeInsuranceFairValueDisclosure', window );">Bank owned life insurance</a></td>
<td class="nump">5,633<span></span>
</td>
<td class="nump">5,220<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">315,630<span></span>
</td>
<td class="nump">297,724<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Federal Home Loan Bank advances</a></td>
<td class="nump">110,500<span></span>
</td>
<td class="nump">84,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations', window );">Junior subordinated debentures</a></td>
<td class="nump">3,315<span></span>
</td>
<td class="nump">4,335<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AccruedInterestPayableFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="nump">88<span></span>
</td>
<td class="nump">384<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Fair Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">96,109<span></span>
</td>
<td class="nump">15,566<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Securities available-for-sale</a></td>
<td class="nump">10,698<span></span>
</td>
<td class="nump">11,006<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans receivable held for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans receivable held for investment</a></td>
<td class="nump">366,279<span></span>
</td>
<td class="nump">404,923<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="nump">1,202<span></span>
</td>
<td class="nump">1,223<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_BankOwnedLifeInsuranceFairValueDisclosure', window );">Bank owned life insurance</a></td>
<td class="nump">5,633<span></span>
</td>
<td class="nump">5,220<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">312,725<span></span>
</td>
<td class="nump">289,629<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Federal Home Loan Bank advances</a></td>
<td class="nump">113,851<span></span>
</td>
<td class="nump">84,997<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations', window );">Junior subordinated debentures</a></td>
<td class="nump">2,798<span></span>
</td>
<td class="nump">3,734<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AccruedInterestPayableFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="nump">88<span></span>
</td>
<td class="nump">384<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Fair Value [Member] | Level 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">96,109<span></span>
</td>
<td class="nump">15,566<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Securities available-for-sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans receivable held for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans receivable held for investment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="nump">60<span></span>
</td>
<td class="nump">69<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_BankOwnedLifeInsuranceFairValueDisclosure', window );">Bank owned life insurance</a></td>
<td class="nump">5,633<span></span>
</td>
<td class="nump">5,220<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Federal Home Loan Bank advances</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations', window );">Junior subordinated debentures</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AccruedInterestPayableFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Fair Value [Member] | Level 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Securities available-for-sale</a></td>
<td class="nump">10,698<span></span>
</td>
<td class="nump">11,006<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans receivable held for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans receivable held for investment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">22<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_BankOwnedLifeInsuranceFairValueDisclosure', window );">Bank owned life insurance</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">312,725<span></span>
</td>
<td class="nump">289,629<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Federal Home Loan Bank advances</a></td>
<td class="nump">113,851<span></span>
</td>
<td class="nump">84,997<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations', window );">Junior subordinated debentures</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AccruedInterestPayableFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="nump">84<span></span>
</td>
<td class="nump">377<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Fair Value [Member] | Level 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Securities available-for-sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans receivable held for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans receivable held for investment</a></td>
<td class="nump">366,279<span></span>
</td>
<td class="nump">404,923<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="nump">1,128<span></span>
</td>
<td class="nump">1,132<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_BankOwnedLifeInsuranceFairValueDisclosure', window );">Bank owned life insurance</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Federal Home Loan Bank advances</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations', window );">Junior subordinated debentures</a></td>
<td class="nump">2,798<span></span>
</td>
<td class="nump">3,734<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_AccruedInterestPayableFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="nump">$ 4<span></span>
</td>
<td class="nump">$ 7<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_AccruedInterestPayableFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of accrued interest payable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_AccruedInterestPayableFairValueDisclosure</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_AccruedInterestReceivableFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of interest earned but not received.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_AccruedInterestReceivableFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_BankOwnedLifeInsuranceFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_BankOwnedLifeInsuranceFairValueDisclosure</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121558606&amp;loc=SL82898722-210454<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=d3e26610-111562<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AvailableForSaleSecuritiesDebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CashAndCashEquivalentsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of deposit liabilities held by the entity, including, but not limited to, foreign and domestic, interest and noninterest bearing, demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DepositsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of subordinated debt obligations including, but not limited to, subordinated loan, subordinated bond, subordinated debenture or junior debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of borrowing from Federal Home Loan Bank (FHLBank).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_LoansHeldForSaleFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansHeldForSaleFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansReceivableFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117946344744">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits, Summary of Deposits (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsByTypeAbstract', window );"><strong>Summary of Deposits [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositChecking', window );">NOW account and other demand deposits</a></td>
<td class="nump">$ 15,237<span></span>
</td>
<td class="nump">$ 9,768<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDomesticDepositDemand', window );">Non-interest bearing demand deposits</a></td>
<td class="nump">47,269<span></span>
</td>
<td class="nump">27,090<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsMoneyMarketDeposits', window );">Money market deposits</a></td>
<td class="nump">60,281<span></span>
</td>
<td class="nump">23,589<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsSavingsDeposits', window );">Passbook</a></td>
<td class="nump">64,127<span></span>
</td>
<td class="nump">47,042<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
<td class="nump">128,716<span></span>
</td>
<td class="nump">190,235<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total</a></td>
<td class="nump">315,630<span></span>
</td>
<td class="nump">297,724<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositBrokered', window );">Brokered deposits</a></td>
<td class="nump">15,100<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CounterpartyNameAxis=byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember', window );">Reciprocal Deposits from CDARS [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_DepositsByTypeAbstract', window );"><strong>Summary of Deposits [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsAtOrAboveFDICInsuranceLimit', window );">Aggregate amount of certificates of deposits in excess of insured limits</a></td>
<td class="nump">35,800<span></span>
</td>
<td class="nump">39,300<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CounterpartyNameAxis=byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember', window );">One-Way Deposits from CDARS [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsByTypeAbstract', window );"><strong>Summary of Deposits [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsAtOrAboveFDICInsuranceLimit', window );">Aggregate amount of certificates of deposits in excess of insured limits</a></td>
<td class="nump">$ 9,600<span></span>
</td>
<td class="nump">$ 40,700<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsByTypeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DepositsByTypeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_DepositsMoneyMarketDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DepositsMoneyMarketDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsSavingsDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DepositsSavingsDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositBrokered">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest-bearing domestic third-party deposits placed by or through the assistance of a deposit broker, also known as brokered deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestBearingDomesticDepositBrokered</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositChecking">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest-bearing domestic checking deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InterestBearingDomesticDepositChecking</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDomesticDepositDemand">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of money in noninterest-bearing domestic accounts that entitle the depositor to withdraw funds at any time without prior notice, also known as demand deposits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NoninterestBearingDomesticDepositDemand</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit liabilities, including certificates of deposit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116652737&amp;loc=d3e64164-112818<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TimeDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositsAtOrAboveFDICInsuranceLimit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit liabilities, including certificates of deposit, in denominations that meet or exceed the Federal Deposit Insurance Corporation (FDIC) insurance limit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116652737&amp;loc=d3e64164-112818<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TimeDepositsAtOrAboveFDICInsuranceLimit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CounterpartyNameAxis=byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CounterpartyNameAxis=byfc_ReciprocalDepositsFromCertificateOfDepositAccountRegistryServiceMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CounterpartyNameAxis=byfc_OneWayDepositsFromCertificateOfDepositAccountRegistryServiceMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140118054018008">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits, Certificate of Deposit Maturities (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsByMaturityAbstract', window );"><strong>Maturities of Certificates of Deposit [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">2021</a></td>
<td class="nump">$ 113,221<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">2022</a></td>
<td class="nump">13,095<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">2023</a></td>
<td class="nump">1,809<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">2024</a></td>
<td class="nump">271<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">2025</a></td>
<td class="nump">245<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesAfterYearFive', window );">Thereafter</a></td>
<td class="nump">75<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
<td class="nump">128,716<span></span>
</td>
<td class="nump">$ 190,235<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_TimeDeposits250000OrMore', window );">Certificate of deposits in denominations of $250,000 or more</a></td>
<td class="nump">18,900<span></span>
</td>
<td class="nump">25,100<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyDepositLiabilities', window );">Deposits from principal officers, directors, and their affiliates</a></td>
<td class="nump">$ 838<span></span>
</td>
<td class="nump">$ 1,800<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_TimeDeposits250000OrMore">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount of domestic and foreign time deposit liabilities in denominations of $250,000 or more</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_TimeDeposits250000OrMore</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RelatedPartyDepositLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deposits held by the entity for a related party (entity, shareholder, employee).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(k))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(k)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_RelatedPartyDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesAfterYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing after fifth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TimeDepositMaturitiesAfterYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in fifth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TimeDepositMaturitiesYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in fourth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TimeDepositMaturitiesYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearOne">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in next fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TimeDepositMaturitiesYearOne</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in third fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TimeDepositMaturitiesYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in second fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TimeDepositMaturitiesYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit liabilities, including certificates of deposit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116652737&amp;loc=d3e64164-112818<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TimeDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TimeDepositsByMaturityAbstract</td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935349160">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal Home Loan Bank Advances (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanksAbstract', window );"><strong>FHLB Advances [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding', window );">Average balance outstanding during the year</a></td>
<td class="nump">$ 114,020<span></span>
</td>
<td class="nump">$ 77,049<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd', window );">Maximum amount outstanding at any month-end during the year</a></td>
<td class="nump">121,500<span></span>
</td>
<td class="nump">84,000<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">Balance outstanding at end of year</a></td>
<td class="nump">$ 110,500<span></span>
</td>
<td class="nump">$ 84,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRate', window );">Weighted average interest rate at end of year</a></td>
<td class="nump">1.94%<span></span>
</td>
<td class="nump">2.32%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear', window );">Average cost of advances during the year</a></td>
<td class="nump">1.91%<span></span>
</td>
<td class="nump">2.42%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate', window );">Weighted average contractual maturity</a></td>
<td class="text">27 months<span></span>
</td>
<td class="text">18 months<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets', window );">General borrowing limit</a></td>
<td class="nump">40.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds', window );">FHLB advances, remaining amount available to borrow</a></td>
<td class="nump">$ 40,300<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract', window );"><strong>FHLB Maturity [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate', window );">2021</a></td>
<td class="nump">27,500<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate', window );">2022</a></td>
<td class="nump">18,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate', window );">2023</a></td>
<td class="nump">30,000<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate', window );">2024</a></td>
<td class="nump">5,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate', window );">2025</a></td>
<td class="nump">30,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">Total</a></td>
<td class="nump">110,500<span></span>
</td>
<td class="nump">$ 84,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CollateralAxis=us-gaap_MortgageReceivablesMember', window );">First Mortgage Loans [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanksAbstract', window );"><strong>FHLB Advances [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedLoansReceivablePledgedForFederalHomeLoanBankDebt', window );">FHLB advances, collateral real estate loans</a></td>
<td class="nump">$ 220,000<span></span>
</td>
<td class="nump">$ 156,100<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of maximum advances or credit lines available as percentage of assets from the Federal Home Loan Bank (FHLB).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailableAsPercentageOfAssets</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvancesFromFederalHomeLoanBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AdvancesFromFederalHomeLoanBanks</td>
</tr>
<tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvancesFromFederalHomeLoanBanksAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AdvancesFromFederalHomeLoanBanksAbstract</td>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The calculated average balance outstanding for the year for all Federal Home Loan Bank advances as of the Balance Sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<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_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The calculated weighted average interest rate for Federal Home Loan Bank advances for the period ended as of the Balance Sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum balance outstanding at any month end during the period as of the Balance Sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of advances or credit lines available from the Federal Home Loan Bank (FHLB).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22 (b))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds</td>
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</tr>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Maturity period on fixed rate advances made and reported by Federal Home Loan Bank (FHLBank), in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate on advances made and reported by Federal Home Loan Bank (FHLBank).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedLoansReceivablePledgedForFederalHomeLoanBankDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The carrying amount, as of the date of the latest financial statement presented, of loans receivable which are owned but transferred to serve as collateral for the payment of FHLB debt obligations, and for which the transferee is not permitted to sell or re-pledge them to an unrelated party.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (b)(1)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=109249958&amp;loc=SL6224234-111729<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedLoansReceivablePledgedForFederalHomeLoanBankDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CollateralAxis=us-gaap_MortgageReceivablesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CollateralAxis=us-gaap_MortgageReceivablesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117941922408">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Junior Subordinated Debentures (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="2">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Oct. 16, 2014</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Mar. 17, 2004</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentsAbstract', window );"><strong>Debt Instrument [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_SubordinatedDebt', window );">Junior subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 3,315<span></span>
</td>
<td class="nump">$ 4,335<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfSubordinatedDebt', window );">Payment of principal amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,020<span></span>
</td>
<td class="nump">$ 765<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_JuniorSubordinatedDebtMember', window );">Floating Rate Junior Subordinated Debentures [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentsAbstract', window );"><strong>Debt Instrument [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_SubordinatedDebt', window );">Junior subordinated debentures</a></td>
<td class="nump">$ 5,100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_DebtInstrumentTermOfVariableRate', window );">Basis spread term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">3 months<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateEffectivePercentage', window );">Effective interest rate percentage on debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.77%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfSubordinatedDebt', window );">Payment of principal amount</a></td>
<td class="nump">$ 900<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentMaturityDate', window );">Debt instrument, maturity date</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Mar. 17,  2024<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentPeriodicPaymentPrincipal', window );">Scheduled principal paid</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,800<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_MaturitiesOfLongTermDebtAbstract', window );"><strong>Scheduled Principal Repayments [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths', window );">2021</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,020<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo', window );">2022</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,020<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree', window );">2023</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,020<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour', window );">2024</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">255<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 3,315<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_JuniorSubordinatedDebtMember', window );">Floating Rate Junior Subordinated Debentures [Member] | 3-Month LIBOR [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentsAbstract', window );"><strong>Debt Instrument [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1', window );">Basis spread</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.54%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubsidiarySaleOfStockAxis=us-gaap_PrivatePlacementMember', window );">Private Placement [Member] | Floating Rate Junior Subordinated Debentures [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentsAbstract', window );"><strong>Debt Instrument [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubordinatedDebt', window );">Junior subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 6,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_DebtInstrumentTermOfVariableRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Term of the interest rate that fluctuates over time as a result of an underlying benchmark interest rate or index.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_DebtInstrumentTermOfVariableRate</td>
</tr>
<tr>
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<tr>
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<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage points added to the reference rate to compute the variable rate on the debt instrument.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DebtInstrumentBasisSpreadOnVariableRate1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
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</tr>
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</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Effective interest rate for the funds borrowed under the debt agreement considering interest compounding and original issue discount or premium.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120520924&amp;loc=SL6036836-161870<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=119993939&amp;loc=d3e28551-108399<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DebtInstrumentInterestRateEffectivePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Date when the debt instrument is scheduled to be fully repaid, in CCYY-MM-DD format.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22(a)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DebtInstrumentMaturityDate</td>
</tr>
<tr>
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</tr>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the required periodic payments applied to principal.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DebtInstrumentPeriodicPaymentPrincipal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DebtInstrumentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DebtInstrumentsAbstract</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<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>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=120520924&amp;loc=SL6031897-161870<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LongTermDebt</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04.(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e24072-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04.(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e24072-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04.(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e24072-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04.(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e24072-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MaturitiesOfLongTermDebtAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_MaturitiesOfLongTermDebtAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepaymentsOfSubordinatedDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow from the repayment of long-term borrowing where a lender is placed in a lien position behind debt having a higher priority of repayment (senior) in case of liquidation of the entity's assets or underlying collateral.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_RepaymentsOfSubordinatedDebt</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubordinatedDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SubordinatedDebt</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td>instant</td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_JuniorSubordinatedDebtMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubsidiarySaleOfStockAxis=us-gaap_PrivatePlacementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsidiarySaleOfStockAxis=us-gaap_PrivatePlacementMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117941883720">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Details) - USD ($)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2016</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_DefinedContributionPensionPlanDisclosureAbstract', window );"><strong>Broadway Federal 401(k) Plan [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch', window );">Employer matching contribution, percent of match</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent', window );">Employer matching contribution, percent of compensation contributed</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.00%<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanCostRecognized', window );">401(k) benefit plan expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 146<span></span>
</td>
<td class="nump">$ 135<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_EmployeeStockOwnershipPlanAbstract', window );"><strong>ESOP Plan [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPSharesContributedToESOP', window );">Number of common stock purchased by ESOP (in shares)</a></td>
<td class="nump">1,493,679<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPWeightedAveragePurchasePriceOfSharesPurchased', window );">Purchase price of common stock (in dollars per share)</a></td>
<td class="nump">$ 1.59<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_CostOfSharesPurchasedByESOP', window );">Total cost of shares purchased by ESOP</a></td>
<td class="nump">$ 2,400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OriginationOfLoansToEmployeeStockOwnershipPlans', window );">Loan to ESOP</a></td>
<td class="nump">$ 1,200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_EmployeeStockOwnershipPlanLoanTerm', window );">Term of ESOP loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">20 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense', window );">Compensation expense related to ESOP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 68<span></span>
</td>
<td class="nump">$ 65<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOPAbstract', window );"><strong>Shares Held by ESOP [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares', window );">Allocated to participants (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,065,275<span></span>
</td>
<td class="nump">1,024,429<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares', window );">Committed to be released (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10,236<span></span>
</td>
<td class="nump">10,416<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares', window );">Suspense shares (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">562,391<span></span>
</td>
<td class="nump">603,876<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP', window );">Total ESOP shares (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,637,902<span></span>
</td>
<td class="nump">1,638,721<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue', window );">Fair value of unearned shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,040<span></span>
</td>
<td class="nump">$ 930<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation', window );">Shares released for allocation (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">41,665<span></span>
</td>
<td class="nump">42,321<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_UnearnedESOPSharesCost', window );">Unearned ESOP shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 893<span></span>
</td>
<td class="nump">$ 959<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RangeAxis=srt_MaximumMember', window );">Maximum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_DefinedContributionPensionPlanDisclosureAbstract', window );"><strong>Broadway Federal 401(k) Plan [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent', window );">Employee contributions as a percentage of their compensation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_CostOfSharesPurchasedByESOP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cost of shares purchased by the Employee Stock Option Plan ("ESOP") during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_CostOfSharesPurchasedByESOP</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_byfc_DefinedContributionPensionPlanDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_DefinedContributionPensionPlanDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</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_byfc_EmployeeStockOwnershipPlanAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_EmployeeStockOwnershipPlanAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</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_byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of shares released for allocation to participants under employee stock ownership plan (ESOP).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_byfc_EmployeeStockOwnershipPlanLoanTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the term of the ESOP loan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_EmployeeStockOwnershipPlanLoanTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_byfc_UnearnedESOPSharesCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cost of unearned shares that qualify as permanent equity that are held by an employee stock ownership plan (ESOP).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_UnearnedESOPSharesCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedContributionPlanCostRecognized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cost for defined contribution plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 70<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=49170846&amp;loc=d3e28014-114942<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DefinedContributionPlanCostRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of employees' gross pay for which the employer contributes a matching contribution to a defined contribution plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage employer matches of the employee's percentage contribution matched.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Maximum percentage of employee gross pay the employee may contribute to a defined contribution plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of plan compensation cost recognized during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of unearned shares held by the employee stock ownership plan (ESOP).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The shares or units in an ESOP trust that have been assigned to individual participant accounts based on a known formula. IRS rules require allocations to be nondiscriminatory generally based on compensation, length of service, or a combination of both. For any particular participant such shares or units may be vested, unvested, or partially vested.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The shares that, although not legally released, will be released by a future scheduled and committed debt service payment and will be allocated to employees for service rendered in the current accounting period. The ESOP documents typically define the period of service to which the shares relate. ESOP shares are released to compensate employees directly, to settle employer liabilities for other employee benefits, and to replace dividends on allocated shares that are used for debt service.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Shares contributed to the ESOP that have not yet been released, committed to be released, or allocated to participant accounts. Suspense shares generally collateralize ESOP debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeStockOwnershipPlanESOPSharesContributedToESOP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This item represents the number of shares provided to the Employee Stock Ownership Plan (ESOP) during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeStockOwnershipPlanESOPSharesContributedToESOP</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the allocated, committed-to-be-released and suspense shares of the entity held by the plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOPAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOPAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_EmployeeStockOwnershipPlanESOPWeightedAveragePurchasePriceOfSharesPurchased">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average purchase price of capital shares purchased through an employee stock ownership plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeStockOwnershipPlanESOPWeightedAveragePurchasePriceOfSharesPurchased</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_OriginationOfLoansToEmployeeStockOwnershipPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to finance the entity's defined contribution plan to acquire shares of the entity. The plan initially holds the shares in a suspense account, which is collateral for the loan. As the plan makes payment on the debt, the shares are released from the suspense account and become available to be allocated to participant accounts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OriginationOfLoansToEmployeeStockOwnershipPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935625256">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes, Income Tax Expense (Benefit) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Current [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentFederalTaxExpenseBenefit', window );">Federal</a></td>
<td class="num">$ (59)<span></span>
</td>
<td class="num">$ (66)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentStateAndLocalTaxExpenseBenefit', window );">State</a></td>
<td class="nump">144<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Deferred [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredFederalIncomeTaxExpenseBenefit', window );">Federal</a></td>
<td class="nump">7<span></span>
</td>
<td class="num">(225)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit', window );">State</a></td>
<td class="num">(499)<span></span>
</td>
<td class="num">(59)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Total</a></td>
<td class="num">$ (407)<span></span>
</td>
<td class="num">$ (345)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentFederalTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current federal tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CurrentFederalTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:stringItemType</td>
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<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_us-gaap_CurrentStateAndLocalTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current state and local tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CurrentStateAndLocalTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DeferredFederalIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred federal income tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredFederalIncomeTaxExpenseBenefit</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<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_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred state and local tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32672-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22663-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120385591&amp;loc=d3e38679-109324<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22658-107794<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117942097416">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes, Effective Income Tax Rate Reconciliation (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">3 Months Ended</th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract', window );"><strong>Reconciliation of Provision of Income Taxes [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate', window );">Federal statutory rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">21.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate', window );">Federal statutory rate times financial statement net (loss) income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (220)<span></span>
</td>
<td class="num">$ (115)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_EffectOfAbstract', window );"><strong>Effect of [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes', window );">State taxes, net of federal benefit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(7)<span></span>
</td>
<td class="num">(45)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount', window );">Earnings from bank owned life insurance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="num">(11)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount', window );">Merger-related expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">200<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationTaxCreditsInvestment', window );">Low income housing credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(117)<span></span>
</td>
<td class="num">(198)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes', window );">Tax benefit from tax positions taken in prior years</a></td>
<td class="nump">$ 273<span></span>
</td>
<td class="num">(273)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationOtherAdjustments', window );">Other, net</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">24<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (407)<span></span>
</td>
<td class="num">$ (345)<span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to earnings (loss) from bank owned life insurance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to merger-related expenses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of domestic federal statutory tax rate applicable to pretax income (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32672-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22663-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120385591&amp;loc=d3e38679-109324<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22658-107794<br></p></div>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncomeTaxReconciliationOtherAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeTaxReconciliationOtherAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to revisions of previously reported income tax expense (benefit).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to state and local income tax expense (benefit).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncomeTaxReconciliationTaxCreditsInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to investment tax credit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeTaxReconciliationTaxCreditsInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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<head>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117941926808">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Income Taxes, Deferred Tax Assets and Liabilities (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsGrossAbstract', window );"><strong>Deferred tax assets [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses', window );">Allowance for loan losses</a></td>
<td class="nump">$ 909<span></span>
</td>
<td class="nump">$ 897<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities', window );">Accrued liabilities</a></td>
<td class="nump">139<span></span>
</td>
<td class="nump">137<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsStateTaxes', window );">State income taxes</a></td>
<td class="nump">58<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost', window );">Stock compensation</a></td>
<td class="nump">310<span></span>
</td>
<td class="nump">202<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards', window );">Net operating loss carryforward</a></td>
<td class="nump">3,437<span></span>
</td>
<td class="nump">3,614<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_DeferredTaxAssetsNonaccrualInterestOnLoans', window );">Non-accrual loan interest</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsInvestments', window );">Partnership investment</a></td>
<td class="nump">188<span></span>
</td>
<td class="nump">173<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsGeneralBusiness', window );">General business credit</a></td>
<td class="nump">1,969<span></span>
</td>
<td class="nump">1,859<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax', window );">Alternative minimum tax credit</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">94<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOther', window );">Other</a></td>
<td class="nump">40<span></span>
</td>
<td class="nump">34<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsGross', window );">Total deferred tax assets</a></td>
<td class="nump">7,085<span></span>
</td>
<td class="nump">7,047<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesAbstract', window );"><strong>Deferred tax liabilities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_DeferredTaxLiabilitiesBadDebtAdjustments', window );">Section 481 Adjustments to bad debts</a></td>
<td class="num">(334)<span></span>
</td>
<td class="num">(660)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesDeferredExpense', window );">Deferred loan fees/costs</a></td>
<td class="num">(651)<span></span>
</td>
<td class="num">(797)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment', window );">Basis difference on fixed assets</a></td>
<td class="num">(18)<span></span>
</td>
<td class="num">(15)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome', window );">Net unrealized appreciation on available-for-sale securities</a></td>
<td class="num">(138)<span></span>
</td>
<td class="num">(59)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends', window );">FHLB stock dividends</a></td>
<td class="num">(266)<span></span>
</td>
<td class="num">(266)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights', window );">Mortgage servicing rights</a></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses', window );">Prepaid expenses</a></td>
<td class="num">(44)<span></span>
</td>
<td class="num">(27)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxLiabilities', window );">Total deferred tax liabilities</a></td>
<td class="num">(1,452)<span></span>
</td>
<td class="num">(1,827)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax assets</a></td>
<td class="nump">5,633<span></span>
</td>
<td class="nump">5,220<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsValuationAllowance', window );">Valuation allowance</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_DeferredTaxAssetsNonaccrualInterestOnLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from non-accrual loan interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_DeferredTaxAssetsNonaccrualInterestOnLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_DeferredTaxLiabilitiesBadDebtAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from adjustments to bad debts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_DeferredTaxLiabilitiesBadDebtAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from FHLB stock dividends.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26)(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(15)(b)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(15)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredIncomeTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsGrossAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsGrossAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_DeferredTaxAssetsInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from investments (excludes investments in subsidiaries and equity method investments).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsLiabilitiesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after allocation of valuation allowances and deferred tax liability, of deferred tax asset attributable to deductible differences and carryforwards, without jurisdictional netting.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsLiabilitiesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss carryforwards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsOperatingLossCarryforwards</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary differences, classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsStateTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from state taxes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsStateTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible alternative minimum tax credit carryforwards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32559-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsGeneralBusiness">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible general business tax credit carryforwards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32559-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsGeneralBusiness</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from share-based compensation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from accrued liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from the provision for loan losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsValuationAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax assets for which it is more likely than not that a tax benefit will not be realized.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsValuationAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_DeferredTaxLiabilitiesDeferredExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from capitalized costs.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxLiabilitiesDeferredExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from mortgage servicing rights.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxLiabilitiesMortgageServicingRights</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from unrealized gains in other comprehensive income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax consequences attributable to taxable temporary differences derived from prepaid expenses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxLiabilitiesPrepaidExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from property, plant, and equipment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117936948408">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes, NOL and Tax Credit Carryforwards and Income Tax Uncertainties (Details)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($)</div>
</th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Income Taxes [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome', window );">Tax bad debt deduction under the new method</a></td>
<td class="nump">$ 4.3<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome', window );">Period for recapturing excess tax bad debt reserve into taxable income</a></td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxAuthorityAxis=us-gaap_DomesticCountryMember', window );">Federal [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Income Taxes [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="top.Show.showAR( this, 'defref_us-gaap_OperatingLossCarryforwards', window );">Net operating loss carryforwards</a></td>
<td class="nump">$ 5.4<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxAuthorityAxis=us-gaap_DomesticCountryMember', window );">Federal [Member] | General Business Tax Credit Carryforward [Member]</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="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Income Taxes [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TaxCreditCarryforwardAmount', window );">Tax credit carryforward</a></td>
<td class="nump">2.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxAuthorityAxis=us-gaap_StateAndLocalJurisdictionMember', window );">California [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Income Taxes [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="top.Show.showAR( this, 'defref_us-gaap_OperatingLossCarryforwards', window );">Net operating loss carryforwards</a></td>
<td class="nump">$ 27.0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of bad debt reserve which will be reclassified from reserve method to charge-off method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_BadDebtReserveReclassificationFromReserveToTaxableIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_byfc_PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The period over which reserve for excess tax bad debt may be charged evenly to taxable income, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Includes, but not limited to, weeks in a year or quarter.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_PeriodOverWhichExcessTaxBadDebtReserveIsToBeChargedIntoTaxableIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeTaxExpenseBenefitContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_OperatingLossCarryforwards">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of operating loss carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32559-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OperatingLossCarryforwards</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TaxCreditCarryforwardAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of the tax credit carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32559-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TaxCreditCarryforwardAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxAuthorityAxis=us-gaap_DomesticCountryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxAuthorityAxis=us-gaap_DomesticCountryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TaxCreditCarryforwardAxis=us-gaap_GeneralBusinessMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TaxCreditCarryforwardAxis=us-gaap_GeneralBusinessMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxAuthorityAxis=us-gaap_StateAndLocalJurisdictionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxAuthorityAxis=us-gaap_StateAndLocalJurisdictionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117946429960">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes, Reconciliation of Unrecognized Tax Benefits (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">3 Months Ended</th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward', window );"><strong>Reconciliation of beginning and ending amount of unrecognized tax benefits [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefits', window );">Balance at beginning of year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 475<span></span>
</td>
<td class="nump">$ 475<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions', window );">Additions for tax positions of current year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions', window );">Additions for tax positions of prior year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions', window );">Reductions for tax positions of prior years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(475)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefits', window );">Balance at end of year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">475<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes', window );">Recognized income tax benefit from favorable settlement of uncertain tax positions</a></td>
<td class="nump">$ 273<span></span>
</td>
<td class="num">(273)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued', window );">Interest accrued during the period related to unrecognized tax benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 8<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to revisions of previously reported income tax expense (benefit).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_UnrecognizedTaxBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unrecognized tax benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10B<br> -URI http://asc.fasb.org/extlink&amp;oid=120406818&amp;loc=SL37586934-109318<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_UnrecognizedTaxBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease in unrecognized tax benefits resulting from tax positions taken in prior period tax returns.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in unrecognized tax benefits resulting from tax positions that have been or will be taken in current period tax return.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in unrecognized tax benefits resulting from tax positions taken in prior period tax returns.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest expense accrued for an underpayment of income taxes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32718-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued</td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117946472968">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation, Summary of Plans (Details) - shares<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Jul. 25, 2018</div></th>
<th class="th"><div>Jul. 24, 2018</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=byfc_TwoThousandEightLTIPMember', window );">2008 LTIP [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract', window );"><strong>Stock-based Compensation [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Shares available for awards (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=byfc_TwoThousandEighteenLtipMember', window );">2018 LTIP [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract', window );"><strong>Stock-based Compensation [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Shares available for awards (in shares)</a></td>
<td class="nump">663,842<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod', window );">Contractual term of option awards</a></td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized', window );">Maximum number of shares that can be awarded (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,293,109<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan', window );">Aggregate number of shares awarded to date under the plan (in shares)</a></td>
<td class="nump">170,335<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate number of shares awarded to date under the plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAggregateNumberOfSharesAwardedToDateUnderPlan</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares authorized for issuance under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period from grant date that an equity-based award expires, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=byfc_TwoThousandEightLTIPMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=byfc_TwoThousandEighteenLtipMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=byfc_TwoThousandEighteenLtipMember</td>
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<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<TEXT>
<html>
<head>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117941907032">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation, Stock Option Activity (Details) - Stock Options [Member] - USD ($)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
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<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at beginning of year (in shares)</a></td>
<td class="nump">455,000<span></span>
</td>
<td class="nump">537,500<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Granted during the year (in shares)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Exercised during the year (in shares)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod', window );">Forfeited or expired during the year (in shares)</a></td>
<td class="num">(5,000)<span></span>
</td>
<td class="num">(82,500)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at end of year (in shares)</a></td>
<td class="nump">450,000<span></span>
</td>
<td class="nump">455,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber', window );">Exercisable at end of year (in shares)</a></td>
<td class="nump">360,000<span></span>
</td>
<td class="nump">275,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward', window );"><strong>Weighted Average Exercise Price [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at beginning of year (in dollars per share)</a></td>
<td class="nump">$ 1.67<span></span>
</td>
<td class="nump">$ 2.19<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Granted during the year (in dollars per share)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice', window );">Exercised during the year (in dollars per share)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice', window );">Forfeited or expired during the year (in dollars per share)</a></td>
<td class="nump">6.00<span></span>
</td>
<td class="nump">4.98<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at end of year (in dollars per share)</a></td>
<td class="nump">1.62<span></span>
</td>
<td class="nump">1.67<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable at end of year (in dollars per share)</a></td>
<td class="nump">$ 1.62<span></span>
</td>
<td class="nump">$ 1.70<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award, Additional General Disclosures [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax', window );">Stock based compensation expense</a></td>
<td class="nump">$ 39<span></span>
</td>
<td class="nump">$ 38<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 7<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Period of recognition for unrecognized compensation cost</a></td>
<td class="text">2 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax, of expense for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted-average period over which cost not yet recognized is expected to be recognized for award under share-based payment arrangement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cost to be recognized for option under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of shares into which fully or partially vested stock options outstanding as of the balance sheet date can be currently converted under the option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For presentations that combine terminations, the number of shares under options that were cancelled during the reporting period as a result of occurrence of a terminating event specified in contractual agreements pertaining to the stock option plan or that expired.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(3)-(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average price of options that were either forfeited or expired.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(3)-(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Gross number of share options (or share units) granted during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of options outstanding, including both vested and non-vested options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average price at which grantees can acquire the shares reserved for issuance under the stock option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average price at which option holders acquired shares when converting their stock options into shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average per share amount at which grantees can acquire shares of common stock by exercise of options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of share options (or share units) exercised during the current period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<head>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935708712">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation, Options Outstanding and Exercisable (Details) - Stock Options [Member]<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($) </div>
<div>$ / shares </div>
<div>shares</div>
</th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward', window );"><strong>Options, Outstanding [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="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions', window );">Number Outstanding (in shares) | shares</a></td>
<td class="nump">450,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2', window );">Weighted Average Remaining Contractual Life</a></td>
<td class="text">5 years 1 month 24 days<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1', window );">Weighted Average Exercise Price (in dollars per share) | $ / shares</a></td>
<td class="nump">$ 1.62<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue', window );">Aggregate Intrinsic Value | $</a></td>
<td class="nump">$ 103,500<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract', window );"><strong>Options, Exercisable [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions', window );">Number Outstanding ( in shares) | shares</a></td>
<td class="nump">360,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1', window );">Weighted Average Exercise Price (in dollars per share) | $ / shares</a></td>
<td class="nump">$ 1.62<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1', window );">Aggregate Intrinsic Value | $</a></td>
<td class="nump">$ 82,800<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember', window );">Grant Date February 24, 2016 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward', window );"><strong>Options, Outstanding [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="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions', window );">Number Outstanding (in shares) | shares</a></td>
<td class="nump">450,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2', window );">Weighted Average Remaining Contractual Life</a></td>
<td class="text">5 years 1 month 24 days<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1', window );">Weighted Average Exercise Price (in dollars per share) | $ / shares</a></td>
<td class="nump">$ 1.62<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract', window );"><strong>Options, Exercisable [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="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions', window );">Number Outstanding ( in shares) | shares</a></td>
<td class="nump">360,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1', window );">Weighted Average Exercise Price (in dollars per share) | $ / shares</a></td>
<td class="nump">$ 1.62<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount by which the current fair value of the underlying stock exceeds the exercise price of options outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of shares reserved for issuance pertaining to the outstanding exercisable stock options as of the balance sheet date in the customized range of exercise prices for which the market and performance vesting condition has been satisfied.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of shares reserved for issuance pertaining to the outstanding stock options as of the balance sheet date for all option plans in the customized range of exercise prices.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of difference between fair value of the underlying shares reserved for issuance and exercise price of vested portions of options outstanding and currently exercisable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average exercise price as of the balance sheet date for those equity-based payment arrangements exercisable and outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average price as of the balance sheet date at which grantees could acquire the underlying shares with respect to all outstanding stock options which are in the customized range of exercise prices.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining contractual term of outstanding stock options, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardDateAxis=byfc_GrantDateAsOfFebruary242016Member</td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935159240">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation, Restricted Stock and Common Stock Awards (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">1 Months Ended</th>
<th class="th" colspan="2">12 Months Ended</th>
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<th class="th"><div>Apr. 01, 2021</div></th>
<th class="th"><div>Feb. 29, 2020</div></th>
<th class="th"><div>Feb. 28, 2019</div></th>
<th class="th"><div>Jan. 31, 2019</div></th>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">30,930<span></span>
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<td class="nump">42,168<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=byfc_TwoThousandEighteenLtipMember', window );">2018 LTIP [Member] | Restricted Stock [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract', window );"><strong>Stock-based Compensation [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions', window );">Unrecognized compensation cost</a></td>
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<td class="nump">$ 110<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Period of recognition for unrecognized compensation cost</a></td>
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<td class="text">14 months<span></span>
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<td class="text">2 months<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=byfc_TwoThousandEighteenLtipMember', window );">2018 LTIP [Member] | Restricted Stock [Member] | Forecast [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract', window );"><strong>Stock-based Compensation [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod', window );">Shares scheduled to vest (in shares)</a></td>
<td class="nump">140,218<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=byfc_TwoThousandEighteenLtipMember', window );">2018 LTIP [Member] | Directors [Member] | Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract', window );"><strong>Stock-based Compensation [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesIssuedForServices', window );">Shares issued for services (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30,930<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">42,168<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax', window );">Stock based compensation expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 45<span></span>
</td>
<td class="nump">$ 52<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=byfc_TwoThousandEighteenLtipMember', window );">2018 LTIP [Member] | Officers and Employees [Member] | Restricted Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract', window );"><strong>Stock-based Compensation [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted stock award (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">140,218<span></span>
</td>
<td class="nump">428,797<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_RestrictedStockAwardForfeitures', window );">Forfeited</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 12,846<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Award vesting period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">2 years<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax', window );">Stock based compensation expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 340<span></span>
</td>
<td class="nump">$ 216<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</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_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax, of expense for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted-average period over which cost not yet recognized is expected to be recognized for award under share-based payment arrangement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cost to be recognized for nonvested award under share-based payment arrangement. Excludes share and unit options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RestrictedStockAwardForfeitures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total value of forfeitures related to restricted stock awards forfeited during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_RestrictedStockAwardForfeitures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period over which grantee's right to exercise award under share-based payment arrangement is no longer contingent on satisfaction of service or performance condition, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days. Includes, but is not limited to, combination of market, performance or service condition.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of equity-based payment instruments, excluding stock (or unit) options, that vested during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_StockIssuedDuringPeriodSharesIssuedForServices">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued in lieu of cash for services contributed to the entity. Number of shares includes, but is not limited to, shares issued for services contributed by vendors and founders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockIssuedDuringPeriodSharesIssuedForServices</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=byfc_TwoThousandEighteenLtipMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=byfc_TwoThousandEighteenLtipMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=srt_ScenarioForecastMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=srt_ScenarioForecastMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=srt_DirectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=srt_DirectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=byfc_OfficersAndEmployeesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=byfc_OfficersAndEmployeesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>109
<FILENAME>R83.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
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</head>
<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935655480">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Capital and Regulatory Matters (Details)<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($)</div>
</th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RegulatoryMattersActualAbstract', window );"><strong>Actual [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Tier 1 (Leverage), Amount</a></td>
<td class="nump">$ 46,565<span></span>
</td>
<td class="nump">$ 48,541<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 (Leverage), Ratio</a></td>
<td class="nump">0.0954<span></span>
</td>
<td class="nump">0.1156<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CommonEquityTierOneCapital', window );">Common Equity Tier 1, Amount</a></td>
<td class="nump">$ 46,565<span></span>
</td>
<td class="nump">$ 48,541<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonEquityTierOneCapitalRatio', window );">Common Equity Tier 1, Ratio</a></td>
<td class="nump">0.1895<span></span>
</td>
<td class="nump">0.1714<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Tier 1, Amount</a></td>
<td class="nump">$ 46,565<span></span>
</td>
<td class="nump">$ 48,541<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1, Ratio</a></td>
<td class="nump">0.1895<span></span>
</td>
<td class="nump">0.1714<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Total Capital, Amount</a></td>
<td class="nump">$ 49,802<span></span>
</td>
<td class="nump">$ 51,790<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total Capital, Ratio</a></td>
<td class="nump">0.2020<span></span>
</td>
<td class="nump">0.1829<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract', window );"><strong>Minimum Capital Requirements [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 (Leverage), Amount</a></td>
<td class="nump">$ 19,530<span></span>
</td>
<td class="nump">$ 16,798<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 (leverage), Ratio</a></td>
<td class="nump">0.0400<span></span>
</td>
<td class="nump">0.0400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy', window );">Common Equity Tier 1, Amount</a></td>
<td class="nump">$ 11,059<span></span>
</td>
<td class="nump">$ 12,743<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum', window );">Common Equity Tier 1, Ratio</a></td>
<td class="nump">0.0450<span></span>
</td>
<td class="nump">0.0450<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1, Amount</a></td>
<td class="nump">$ 14,746<span></span>
</td>
<td class="nump">$ 16,990<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1, Ratio</a></td>
<td class="nump">0.0600<span></span>
</td>
<td class="nump">0.0600<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total Capital, Amount</a></td>
<td class="nump">$ 19,661<span></span>
</td>
<td class="nump">$ 22,654<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total Capital, Ratio</a></td>
<td class="nump">0.0800<span></span>
</td>
<td class="nump">0.0800<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract', window );"><strong>Minimum Required To Be Well Capitalized Under Prompt Corrective Action Provisions [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 (Leverage), Amount</a></td>
<td class="nump">$ 24,413<span></span>
</td>
<td class="nump">$ 20,997<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 (Leverage), Ratio</a></td>
<td class="nump">0.0500<span></span>
</td>
<td class="nump">0.0500<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized', window );">Common Equity Tier 1, Amount</a></td>
<td class="nump">$ 15,975<span></span>
</td>
<td class="nump">$ 18,406<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum', window );">Common Equity Tier 1, Ratio</a></td>
<td class="nump">0.0650<span></span>
</td>
<td class="nump">0.0650<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1, Amount</a></td>
<td class="nump">$ 19,661<span></span>
</td>
<td class="nump">$ 22,654<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1, Ratio</a></td>
<td class="nump">0.0800<span></span>
</td>
<td class="nump">0.0800<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">Total Capital, Amount</a></td>
<td class="nump">$ 24,577<span></span>
</td>
<td class="nump">$ 28,318<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total Capital, Ratio</a></td>
<td class="nump">0.1000<span></span>
</td>
<td class="nump">0.1000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RiskWeightedAssetsCalculationMethodologyAxis=byfc_ConservationBufferRuleStartingJanuary2016Member', window );">Conservation Buffer Rule Starting January 2016 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_CapitalRegulatoryMattersAbstract', window );"><strong>Regulatory Matters [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_CapitalConservationBufferInPercentage', window );">Capital conservation buffer percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.625%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RiskWeightedAssetsCalculationMethodologyAxis=byfc_ConservationBufferRuleSubsequentTo2016Member', window );">Conservation Buffer Rule Subsequent To 2016 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_CapitalRegulatoryMattersAbstract', window );"><strong>Regulatory Matters [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_CapitalConservationBufferAnnualIncrease', window );">Capital conservation buffer annual increase percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.625%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RiskWeightedAssetsCalculationMethodologyAxis=byfc_ConservationBufferRuleMember', window );">Conservation Buffer Rule [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_CapitalRegulatoryMattersAbstract', window );"><strong>Regulatory Matters [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_CapitalConservationBufferInPercentage', window );">Capital conservation buffer percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The annual increase in the capital conservation buffer rule percentage until the rule minimum percentage is achieved.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_CapitalConservationBufferAnnualIncrease</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The information pertaining to capital conservation buffer percentage.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_CapitalConservationBufferInPercentage</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_CapitalRegulatoryMattersAbstract</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_RegulatoryMattersActualAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_RegulatoryMattersActualAbstract</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_RegulatoryMattersMinimumCapitalRequirementsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_RegulatoryMattersMinimumRequiredToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</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_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum Common Equity Tier 1 risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum Common Equity Tier 1 risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Capital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of total capital as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47304-110998<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47080-110998<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_Capital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum total risk-based capital required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum total risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum total risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum total risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of total risk-based capital to risk-weighted assets as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonEquityTierOneCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of Common Equity Tier 1 risk-based capital as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CommonEquityTierOneCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonEquityTierOneCapitalRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of Common Equity Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CommonEquityTierOneCapitalRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum Common Equity Tier 1 risk-based capital required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum Common Equity Tier 1 risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of Tier 1 leverage capital as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TierOneLeverageCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum Tier 1 leverage capital required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum Tier 1 leverage capital to average assets required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum Tier 1 leverage capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum Tier 1 leverage capital to average assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of Tier 1 capital to average assets as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TierOneLeverageCapitalToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of Tier 1 risk-based capital as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TierOneRiskBasedCapital</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum Tier 1 risk-based capital required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum Tier 1 risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum Tier 1 risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum Tier 1 risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">us-gaap_RiskWeightedAssetsCalculationMethodologyAxis=byfc_ConservationBufferRuleStartingJanuary2016Member</td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117946386376">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loan Commitments and Other Related Activities (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($) </div>
<div>Loan</div>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember', window );">Commitments to Make Loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableOtherInformationAbstract', window );"><strong>Contractual Amounts of Financial Instruments Off-Balance-Sheet Risk [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Contractual amounts of financial instruments off-balance-sheet risk</a></td>
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<td class="nump">$ 5,930<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember', window );">Commitments to Make Loans [Member] | Maximum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_CommitmentsLoansAbstract', window );"><strong>Commitments Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
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<td class="text">60 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember', window );">Commitments to Make Loans [Member] | Real Estate [Member] | Multi-family Loans [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_byfc_CommitmentsLoansAbstract', window );"><strong>Commitments Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
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<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoanPeriodOfInitialInterestRateTerm', window );">Loan period of initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember', window );">Commitments to Make Loans [Member] | Real Estate [Member] | Multi-family Loans [Member] | Minimum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_CommitmentsLoansAbstract', window );"><strong>Commitments Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
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<td class="text">&#160;<span></span>
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<td class="nump">3.50%<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember', window );">Commitments to Make Loans [Member] | Real Estate [Member] | Multi-family Loans [Member] | Maximum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_CommitmentsLoansAbstract', window );"><strong>Commitments Loans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_LoansInterestRate', window );">Initial interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.75%<span></span>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_UnusedLinesOfCreditMember', window );">Unused Lines of Credit [Member]</a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableOtherInformationAbstract', window );"><strong>Contractual Amounts of Financial Instruments Off-Balance-Sheet Risk [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Contractual amounts of financial instruments off-balance-sheet risk</a></td>
<td class="nump">$ 2,472<span></span>
</td>
<td class="nump">$ 1,970<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_byfc_CommitmentsLoansAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_CommitmentsLoansAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</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_byfc_LoanCommitmentPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The period for which the entity makes commitments to make loans, in PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_LoanCommitmentPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_byfc_LoanPeriodOfInitialInterestRateTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The initial period for which the specified interest rate is applicable under commitments to make loans, in PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_LoanPeriodOfInitialInterestRateTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_byfc_LoansInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The initial interest rate related to loan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_LoansInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_byfc_NumberOfLoanCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of loan commitments as of balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">byfc_NumberOfLoanCommitments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>byfc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The fair value of financial liabilities, which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=121572278&amp;loc=d3e13433-108611<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableOtherInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LoansAndLeasesReceivableOtherInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=srt_MultifamilyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=srt_MultifamilyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_UnusedLinesOfCreditMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_UnusedLinesOfCreditMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>111
<FILENAME>R85.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117943275272">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Parent Company Only Condensed Financial Information, Condensed Balance Sheet (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">$ 96,109<span></span>
</td>
<td class="nump">$ 15,566<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">431<span></span>
</td>
<td class="nump">545<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">483,378<span></span>
</td>
<td class="nump">440,369<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>Liabilities and stockholders' equity [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_SubordinatedDebt', window );">Junior subordinated debentures</a></td>
<td class="nump">3,315<span></span>
</td>
<td class="nump">4,335<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesAndOtherLiabilities', window );">us-gaap_AccruedLiabilitiesAndOtherLiabilities</a></td>
<td class="nump">4,261<span></span>
</td>
<td class="nump">4,429<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Stockholders' equity</a></td>
<td class="nump">48,885<span></span>
</td>
<td class="nump">48,848<span></span>
</td>
<td class="nump">$ 48,436<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders' equity</a></td>
<td class="nump">483,378<span></span>
</td>
<td class="nump">440,369<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Broadway Financial Corporation [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">126<span></span>
</td>
<td class="nump">134<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures', window );">Investment in bank subsidiary</a></td>
<td class="nump">49,418<span></span>
</td>
<td class="nump">50,594<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">2,735<span></span>
</td>
<td class="nump">2,512<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">52,279<span></span>
</td>
<td class="nump">53,240<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>Liabilities and stockholders' equity [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubordinatedDebt', window );">Junior subordinated debentures</a></td>
<td class="nump">3,315<span></span>
</td>
<td class="nump">4,335<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesAndOtherLiabilities', window );">us-gaap_AccruedLiabilitiesAndOtherLiabilities</a></td>
<td class="nump">79<span></span>
</td>
<td class="nump">57<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Stockholders' equity</a></td>
<td class="nump">48,885<span></span>
</td>
<td class="nump">48,848<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders' equity</a></td>
<td class="nump">$ 52,279<span></span>
</td>
<td class="nump">$ 53,240<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedLiabilitiesAndOtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expenses incurred but not yet paid nor invoiced, and liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AccruedLiabilitiesAndOtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -URI http://asc.fasb.org/extlink&amp;oid=121559654&amp;loc=d3e5710-111685<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=116870748&amp;loc=SL6758485-165988<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3044-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121566466&amp;loc=d3e6676-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in equity method investee and investment in and advance to affiliate.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LiabilitiesAndStockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_LiabilitiesAndStockholdersEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubordinatedDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SubordinatedDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935478184">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company Only Condensed Financial Information, Condensed Statements of Income (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeStatementAbstract', window );"><strong>Condensed Statements of Income [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="nump">$ 17,644<span></span>
</td>
<td class="nump">$ 16,847<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="num">(5,475)<span></span>
</td>
<td class="num">(6,386)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other expense</a></td>
<td class="num">(628)<span></span>
</td>
<td class="num">(662)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Loss before income tax benefits</a></td>
<td class="num">(1,049)<span></span>
</td>
<td class="num">(551)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax benefits</a></td>
<td class="nump">407<span></span>
</td>
<td class="nump">345<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net loss</a></td>
<td class="num">(642)<span></span>
</td>
<td class="num">(206)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Broadway Financial Corporation [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeStatementAbstract', window );"><strong>Condensed Statements of Income [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="nump">23<span></span>
</td>
<td class="nump">23<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="num">(133)<span></span>
</td>
<td class="num">(247)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other expense</a></td>
<td class="num">(1,033)<span></span>
</td>
<td class="num">(720)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Loss before income tax benefits</a></td>
<td class="num">(1,143)<span></span>
</td>
<td class="num">(944)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax benefits</a></td>
<td class="nump">291<span></span>
</td>
<td class="nump">279<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax', window );">Equity in undistributed subsidiary income</a></td>
<td class="nump">210<span></span>
</td>
<td class="nump">459<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net loss</a></td>
<td class="num">$ (642)<span></span>
</td>
<td class="num">$ (206)<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of income (loss) from continuing operations before deduction of income tax expense (benefit) and income (loss) attributable to noncontrolling interest, and addition of income (loss) from equity method investments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8924-108599<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_IncomeLossFromSubsidiariesNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of income (loss) of subsidiary attributable to the parent entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeLossFromSubsidiariesNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32672-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22663-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120385591&amp;loc=d3e38679-109324<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22658-107794<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of noninterest expense classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117935688504">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company Only Condensed Financial Information, Condensed Statements of Cash Flows (Details) - USD ($)<br> $ in Thousands</strong></div></th>
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<th class="th"><div>Dec. 31, 2020</div></th>
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</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="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net loss</a></td>
<td class="num">$ (642)<span></span>
</td>
<td class="num">$ (206)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net loss to net cash used in operating activities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Change in other assets</a></td>
<td class="nump">114<span></span>
</td>
<td class="nump">124<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities', window );">Change in accrued expenses and other liabilities</a></td>
<td class="nump">369<span></span>
</td>
<td class="nump">310<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash (used in) provided by operating activities</a></td>
<td class="num">(13,555)<span></span>
</td>
<td class="nump">8,533<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash flows from investing activities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
<td class="nump">50,712<span></span>
</td>
<td class="num">(39,149)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash flows from financing activities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
<td class="nump">43,386<span></span>
</td>
<td class="nump">29,531<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect', window );">Net change in cash and cash equivalents</a></td>
<td class="nump">80,543<span></span>
</td>
<td class="num">(1,085)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash and cash equivalents at beginning of the year</a></td>
<td class="nump">15,566<span></span>
</td>
<td class="nump">16,651<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash and cash equivalents at end of the year</a></td>
<td class="nump">96,109<span></span>
</td>
<td class="nump">15,566<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Broadway Financial Corporation [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash flows from operating activities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net loss</a></td>
<td class="num">(642)<span></span>
</td>
<td class="num">(206)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net loss to net cash used in operating activities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax', window );">Equity in undistributed subsidiary income</a></td>
<td class="num">(210)<span></span>
</td>
<td class="num">(459)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Change in other assets</a></td>
<td class="num">(223)<span></span>
</td>
<td class="num">(287)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities', window );">Change in accrued expenses and other liabilities</a></td>
<td class="nump">21<span></span>
</td>
<td class="num">(9)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash (used in) provided by operating activities</a></td>
<td class="num">(1,054)<span></span>
</td>
<td class="num">(961)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash flows from investing activities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromDividendsReceived', window );">Dividends from bank subsidiary</a></td>
<td class="nump">2,000<span></span>
</td>
<td class="nump">1,650<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
<td class="nump">2,000<span></span>
</td>
<td class="nump">1,650<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash flows from financing activities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Common stock repurchased for tax withholdings</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(14)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfDebt', window );">Repayments of borrowings</a></td>
<td class="num">(1,020)<span></span>
</td>
<td class="num">(765)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromRepaymentOfLoansByEmployeeStockOwnershipPlans', window );">Proceeds from repayment of ESOP loan</a></td>
<td class="nump">66<span></span>
</td>
<td class="nump">68<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
<td class="num">(954)<span></span>
</td>
<td class="num">(711)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect', window );">Net change in cash and cash equivalents</a></td>
<td class="num">(8)<span></span>
</td>
<td class="num">(22)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash and cash equivalents at beginning of the year</a></td>
<td class="nump">134<span></span>
</td>
<td class="nump">156<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash and cash equivalents at end of the year</a></td>
<td class="nump">$ 126<span></span>
</td>
<td class="nump">$ 134<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash and cash equivalents, and cash and cash equivalents restricted to withdrawal or usage. Excludes amount for disposal group and discontinued operations. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3044-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=SL98516268-108586<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>instant</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in cash, cash equivalents, and cash and cash equivalents restricted to withdrawal or usage; including effect from exchange rate change. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=98513438&amp;loc=d3e33268-110906<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of income (loss) of subsidiary attributable to the parent entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncomeLossFromSubsidiariesNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<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_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in accrued expenses, and obligations classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
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<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_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_NetCashProvidedByUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetCashProvidedByUsedInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_NetCashProvidedByUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetCashProvidedByUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_NetCashProvidedByUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3536-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetCashProvidedByUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</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_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8924-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 4: 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-SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22583-107794<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -URI 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<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsForRepurchaseOfCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to reacquire common stock during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_PaymentsForRepurchaseOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_ProceedsFromDividendsReceived">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Dividends received on equity and other investments during the current period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3337-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProceedsFromDividendsReceived</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromRepaymentOfLoansByEmployeeStockOwnershipPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the financed defined contribution plan to acquire shares of the entity. The plan initially holds the shares in a suspense account, which is collateral for the loan. As the plan makes payment on the debt, the shares are released from the suspense account and become available to be allocated to participant accounts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_ProceedsFromRepaymentOfLoansByEmployeeStockOwnershipPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_RepaymentsOfDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow during the period from the repayment of aggregate short-term and long-term debt. Excludes payment of capital lease obligations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_RepaymentsOfDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117943090296">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loss Per Common Share (Details) - USD ($)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicAndDilutedAbstract', window );"><strong>Loss Per Common Share [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net loss</a></td>
<td class="num">$ (642)<span></span>
</td>
<td class="num">$ (206)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic', window );">Less net income attributable to participating securities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Loss available to common stockholders</a></td>
<td class="num">$ (642)<span></span>
</td>
<td class="num">$ (206)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Weighted average common shares outstanding for basic earnings per common share (in shares)</a></td>
<td class="nump">27,163,427<span></span>
</td>
<td class="nump">26,833,693<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements', window );">Add: dilutive effects of unvested restricted stock awards (in shares)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Weighted average common shares outstanding for diluted earnings per common share (in shares)</a></td>
<td class="nump">27,163,427<span></span>
</td>
<td class="nump">26,833,693<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Loss per common share - basic (in dollars per share)</a></td>
<td class="num">$ (0.02)<span></span>
</td>
<td class="num">$ (0.01)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Loss per common share - diluted (in dollars per share)</a></td>
<td class="num">$ (0.02)<span></span>
</td>
<td class="num">$ (0.01)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_EmployeeStockOptionMember', window );">Stock Options [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDilutedOtherDisclosuresAbstract', window );"><strong>Loss Per Common Share [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Anti-dilutive stock not considered in computing diluted earnings per common share (in shares)</a></td>
<td class="nump">360,000<span></span>
</td>
<td class="nump">275,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22583-107794<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1448-109256<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22595-107794<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1337-109256<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=120380238&amp;loc=d3e4984-109258<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=120380238&amp;loc=d3e3842-109258<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22644-107794<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1252-109256<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=SL5780133-109256<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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_us-gaap_EarningsPerShareBasicAndDilutedAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EarningsPerShareBasicAndDilutedAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=120380238&amp;loc=d3e4984-109258<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22644-107794<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=120380238&amp;loc=d3e3842-109258<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1252-109256<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22595-107794<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22583-107794<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=SL5780133-109256<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1337-109256<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_EarningsPerShareDilutedOtherDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_EarningsPerShareDilutedOtherDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of share based payment arrangements using the treasury stock method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1707-109256<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28A<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1500-109256<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 23<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1757-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8924-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 4: 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<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.</p></div>
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<a href="javascript:void(0);" onclick="top.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;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of undistributed earnings (loss) allocated to participating securities for the basic earnings (loss) per share or per unit calculation under the two-class method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 65<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e2793-109256<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=SL5780133-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 66<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e2814-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1505-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1448-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_EmployeeStockOptionMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140117946552952">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Subsequent Events (Details)<br> $ / shares in Units, $ in Millions</strong></div></th>
<th class="th">
<div>Mar. 17, 2021 </div>
<div>USD ($) </div>
<div>$ / shares </div>
<div>shares</div>
</th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_StatementScenarioAxis=srt_ScenarioForecastMember', window );">Forecast [Member]</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="top.Show.showAR( this, 'defref_byfc_SubsequentEventsDisclosureAbstract', window );"><strong>Subsequent Events [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsImpairmentLosses', window );">Deferred tax assets, impairment allowance</a></td>
<td class="nump">$ 2.4<span></span>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember', window );">Subsequent Event [Member] | Private Placement [Member]</a></td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_byfc_SubsequentEventsDisclosureAbstract', window );"><strong>Subsequent Events [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction', window );">Sale of common stock (in shares) | shares</a></td>
<td class="nump">18,474,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SaleOfStockPricePerShare', window );">Purchase price of common stock (in dollars per share) | $ / shares</a></td>
<td class="nump">$ 1.78<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SaleOfStockConsiderationReceivedOnTransaction', window );">Aggregate purchase price</a></td>
<td class="nump">$ 32.9<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from estimated impairment losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsImpairmentLosses</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cash received on stock transaction after deduction of issuance costs.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of shares issued or sold by the subsidiary or equity method investee per stock transaction.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:sharesItemType</td>
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<td>na</td>
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<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SaleOfStockPricePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Per share amount received by subsidiary or equity investee for each share of common stock issued or sold in the stock transaction.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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;">us-gaap_SaleOfStockPricePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=srt_ScenarioForecastMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=srt_ScenarioForecastMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubsidiarySaleOfStockAxis=us-gaap_PrivatePlacementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsidiarySaleOfStockAxis=us-gaap_PrivatePlacementMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
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<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>116
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
