<SEC-DOCUMENT>0001140361-24-029028.txt : 20240605
<SEC-HEADER>0001140361-24-029028.hdr.sgml : 20240605
<ACCEPTANCE-DATETIME>20240605171731
ACCESSION NUMBER:		0001140361-24-029028
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20240605
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20240605
DATE AS OF CHANGE:		20240605

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BROADWAY FINANCIAL CORP \DE\
		CENTRAL INDEX KEY:			0001001171
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				954547287
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39043
		FILM NUMBER:		241023018

	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>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 12pt; font-weight: bold;">Washington, D.C. 20549</div>

      <div style="text-align: center;"><span style="font-size: 10pt; font-family: 'Times New Roman';"> <br/>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_324e3273e41d48aab1172c0f674d660f" contextRef="c20240605to20240605">8-K</ix:nonNumeric></div>

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        </span></div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CURRENT REPORT</div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</div>

      <div style="text-align: center;"><span style="font-size: 10pt; font-family: 'Times New Roman';"> <br/>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">Date of Report (Date of earliest event reported):<span style="font-weight: bold;"> <ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_fddfaa7fb98f4e7ebfe56ad5906efeec" contextRef="c20240605to20240605" format="ixt:date-monthname-day-year-en">June 5, 2024</ix:nonNumeric></span></div>

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      <div style="text-align: center; font-size: 24pt; font-weight: bold;"><span style="-sec-ix-hidden:Fact_409fa1eb7d384b83a2f648bde4ed2934">BROADWAY FINANCIAL CORPORATION</span></div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">(Exact name of registrant as specified in its charter)</div>

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              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">(Commission File Number)</div>
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              <div style="text-align: center;">(Address of principal executive offices)</div>
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    <td style="width: 2%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 49%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center;">(Zip Code)</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman';">Registrant&#8217;s telephone number, including area code: (</span><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><ix:nonNumeric name="dei:CityAreaCode" id="Fact_05794c0bc2024a85b02a261219e5b8ab" contextRef="c20240605to20240605">323</ix:nonNumeric>) <ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_ac2b7cfa11894db094143cb36fea1bd0" contextRef="c20240605to20240605">634-1700</ix:nonNumeric></span></div>

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        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</span><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: #000000;">NOT APPLICABLE</span></div>

        <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(Former name or former address, if changed since last report)</div>

      </div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following
        provisions:</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

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            </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
            </td>

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    <td style="width: 21.6pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_328afd99b32e47d29767c9eb697ff432" contextRef="c20240605to20240605" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric><br/>
            </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
            </td>

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    <td style="width: 22.45pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="Fact_a650cd0a51bb4009bd3eab6b7d19acfe" contextRef="c20240605to20240605" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric><br/>
            </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
            </td>

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    <td style="width: 22.45pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_8142390869124930bcb52e21c827eaf9" contextRef="c20240605to20240605" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric><br/>
            </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
            </td>

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      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Securities registered pursuant to Section 12(b) of the Act:</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

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    <td style="width: 34.62%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; font-weight: bold;">Title of each class</div>
            </td>

    <td style="width: 0.96%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 23.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; font-weight: bold;">Trading Symbol(s)</div>
            </td>

    <td style="width: 0.96%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 40.38%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; font-weight: bold;">Name of each exchange on which registered</div>
            </td>

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    <td style="width: 34.62%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_c42c92b751bc47b6b8b705b7d19924ae" contextRef="c20240605to20240605">Class A Common Stock, par value $0.01 per share (including attached preferred stock purchase rights)</ix:nonNumeric><br/>
              </div>
            </td>

    <td style="width: 0.96%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 23.08%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center;"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_b56cd0844bc8448a92f73ae0e8626fa2" contextRef="c20240605to20240605">BYFC</ix:nonNumeric><br/>
              </div>
            </td>

    <td style="width: 0.96%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 40.38%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center;"><span style="-sec-ix-hidden:Fact_19ced50b6f694dad88a1f8dcf1460c97">Nasdaq Capital Market</span><br/>
              </div>
            </td>

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</table>
      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Indicate by check mark whether the registrant is an emerging growth company in as defined in Rule 405 of the Securities Act of 1933 (&#167;&#8201;230.405 of this chapter) or Rule
        12b-2 of the Securities Exchange Act of 1934 (&#167;&#8201;240.12b-2 of this chapter).</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_c84cce1a359f44d681098f7035ab371d" contextRef="c20240605to20240605" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">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 style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman';"> <br/>
        </span></div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">
        <hr style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;"/></div>

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          <hr 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: 54pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 2.02</td>

    <td style="width: auto; vertical-align: top; text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">Results of Operations and Financial Condition.</div>
            </td>

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</table>
      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">On June 5, 2024, Broadway Financial Corporation (the &#8220;Company&#8221;) issued a press release announcing results for the quarter and full year ended December 31, 2023.&#160; A
        copy of the press release is attached as Exhibit 99.1.</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">The information set forth in this Current Report, including Exhibit 99.1 attached hereto, is being furnished and shall not be deemed &#8220;filed&#8221; for purposes of Section 18
        of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), or otherwise subject to the liabilities of such section. The information in this Current Report, including Exhibits 99.1 attached hereto, shall not be incorporated by
        reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such a filing to this Current Report.</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
      </div>

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    <td style="width: 54pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 9.01</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">Financial Statements and Exhibits.</div>
            </td>

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</table>
      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman';">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Exhibits</span></div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

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              <div style="text-align: left; font-weight: bold;"><a href="ef20030679_ex99-1.htm">99.1</a></div>
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              <div style="text-align: left;">Press Release dated June 5, 2024, announcing results for the quarter and full year ended December 31, 2023.</div>
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              <div style="text-align: left;">104</div>
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              <div style="text-align: left;">The cover page from this Current Report on Form 8-K, formatted in Inline XBRL (included as Exhibit 101).</div>
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      <div style="text-align: center; font-weight: bold;">SIGNATURE</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto
        duly authorized.</div>

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                <div style="text-align: left;">Date: June 5, 2024</div>
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                <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; margin-left: 18pt;">BROADWAY FINANCIAL CORPORATION</div>
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              <div>
                <div style="text-align: left;">By:</div>
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              <div>
                <div style="text-align: left;">/s/ Zack Ibrahim</div>
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              <div>
                <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name: Zack Ibrahim</div>
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              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title: Chief Financial Officer</div>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ef20030679_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 18pt; font-weight: bold;"><font style="font-size: 10pt;"><a name="OLE_LINK1"></a><a name="OLE_LINK2"></a></font></div>
      <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> <font style="font-size: 10pt;">Exhibit 99.1<br>
        </font></div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 18pt; font-weight: bold;"> <font style="font-size: 10pt;"><br>
        </font></div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">News Release</div>
      <div style="font-size: 10pt;"><br>
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      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">FOR IMMEDIATE RELEASE</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><a name="OLE_LINK5"></a><a name="OLE_LINK6"></a><a name="OLE_LINK28"></a><a name="OLE_LINK29"></a>Broadway Financial Corporation Announces Results
        for Fourth Quarter and Full Year Calendar 2023</div>
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      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">LOS ANGELES, CA &#8211; (BUSINESS WIRE) &#8211; June 5,<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">&#160;</font>2024 &#8211; Broadway Financial Corporation
        (&#8220;Broadway&#8221;, &#8220;we&#8221;, or the &#8220;Company&#8221;) (NASDAQ: BYFC), parent company of City First Bank, National Association (the &#8220;Bank&#8221;, and collectively, with the Company, &#8220;City First Broadway&#8221;), reported consolidated net earnings of $2.6 million, or $0.31 per
        diluted share, for the fourth quarter of 2023, compared to consolidated net earnings of $1.5 million, or $0.16 per diluted share <font style="font-family: 'Times New Roman';">(adjusted for the 1-for-8 reverse stock split effective November 1,
          2023)</font>, for the fourth quarter of 2022.</div>
      <div style="text-align: justify; font-size: 10pt;"><a name="z_Hlk118129640"></a><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">The increase in net income during the fourth quarter of 2023, compared to the fourth quarter of 2022, was primarily due to the recognition of two grants from the
        Community Development Financial Institution (&#8220;CDFI&#8221;) Fund of the U.S. Treasury: $3.7 million from the CDFI&#8217;s Equitable Recovery Program and $437 thousand from a Bank Enterprise Award.&#160; In addition, interest income increased by $2.0 million during
        the fourth quarter of 2023 compared to the fourth quarter of 2022.&#160; These increases were partially offset by an increase in interest expense of $3.9 million and an increase in non-interest expense of $1.1 million during the fourth quarter of 2023,
        compared to the fourth quarter of 2022.&#160; The increase in non-interest expense was partially attributable to professional fees incurred in connection with an investigation of the Company&#8217;s internal controls and processes.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">For the year ended December 31, 2023, the Company reported net <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">earnings </font>of $4.5<font style="font-family: 'Times New Roman'; color: rgb(255, 0, 0);">&#160;</font>million, <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">or $0.51 </font>per diluted share, compared to net earnings of $5.6 million, or $0.62 per diluted
        share <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(adjusted for the 1-for-8 reverse stock split effective November 1, 2023)</font>, for the year ended December 31, 2022.&#160; This decrease was due to a decrease of $3.4 million
        in net interest income and an increase of $2.4 million in non-interest expense, partially offset by an increase of $4.2 million in non-interest income and a reduction of $0.4 million in income tax expense for the year ended December 31, 2023,
        compared to the year ended December 31, 2022.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Fourth Quarter and Year End 2023 Highlights:</div>
      <div style="font-size: 10pt;"><br>
      </div>
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            <td style="width: 18pt; vertical-align: top; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">&#8226;</td>
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              <div style="font-family: 'Times New Roman';">During the fourth quarter of 2023, Broadway generated a profit for the eighth consecutive quarter.</div>
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            <td style="width: 18pt; vertical-align: top; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">&#8226;</td>
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              <div style="font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Total interest income </font><font style="font-size: 10pt;">increased for the eleventh consecutive
                  quarter since the merger of CFBanc Corporation with the Company on April 1, 2021 (the &#8220;Merger&#8221;).&#160; During the fourth quarter of 2023, interest income increased by $2.0 million, or 18.4%, compared to the fourth quarter of 2022.&#160; For the
                  full calendar year, interest income increased by $11 million, or 30.2%, compared to interest income in 2022.</font></div>
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            <td style="width: 18pt; vertical-align: top; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">&#8226;</td>
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              <div style="font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Total net loans </font><font style="font-size: 10pt;">receivable increased to $880.5 million at
                  December 31, 2023, representing an increase of <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">5.4% since September 30, 2023, </font>14.6% since December <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">31, 2022, and 50.1% since the Merger.</font></font></div>
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            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt;">
              <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman';">The Company did not have any non-performing loans or assets as of December 31, 2023.</div>
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            <td style="width: 18pt; vertical-align: top; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">&#8226;</td>
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              <div style="font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Total </font><font style="font-size: 10pt;">assets increased to $1.4 billion at December 31, 2023,
                  representing an increase of <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">11.1% since September 30, 2023, 16.1% since December 31, 2022, and 44.1% since the Merger.</font></font></div>
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      <div style="font-size: 10pt;"><br>
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      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Delay in Filing the Company&#8217;s Form 10-K for 2023 and Form 10-Qs:</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">While preparing the financial statements for the three and nine months ended September 30, 2023, management found that its control over the timely and
        accurate preparation and review of general ledger account reconciliations was not operating as intended, which caused management to decide that the Company needed to examine its internal controls over financial reporting and related processes
        before filing its Form 10-Q for the third quarter of 2023.&#160; During this examination, management determined that the Company did not maintain a sufficient complement of personnel with appropriate levels of knowledge, experience, and training in
        internal control matters to perform assigned responsibilities and have appropriate accountability for the design and operation of internal control over financial reporting.&#160; The lack of sufficient appropriately skilled and trained personnel
        contributed to a failure to design and implement certain internal controls and consistently operate the Company&#8217;s controls.&#160; As previously reported, these circumstances represented material weaknesses in the Company&#8217;s control environment.</div>
      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
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      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">In response to the material weaknesses that were identified, the Company has hired additional senior personnel with experience and training in finance
        and accounting who will be responsible for assessing the Company&#8217;s risks and designing, implementing, and monitoring a system of internal control over financial reporting to address those risks.&#160; Furthermore, the Company has implemented changes to
        its controls over general ledger account reconciliations to now require that a separate member of management review every account reconciliation each month, complementing the use of a checklist for account reconciliations and a requirement that all
        reconciliations be signed by the preparer and a reviewer.&#160; In addition, the Company will request that additional testing be performed on the enhanced controls over general ledger account reconciliations by the service provider that conducts the
        Company&#8217;s internal audits.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Concurrent with the examination of internal controls and processes, the Company engaged an independent third-party <font style="font-family: 'Times New Roman';">to assist with reviewing certain general ledger account reconciliations as of September 30, 2023, to identify the population of any differences needing correction.&#160;&#160; As a result of that review, certain previously unrecorded net
          adjustments pertaining to prior periods were identified.&#160; </font>After the adjustments were evaluated individually and collectively, they were determined to be immaterial to both historical and the current reporting periods.&#160; Accordingly, no
        amendment to previously filed financial statements was warranted and<font style="font-family: 'Times New Roman';"> the total out-of-period adjustments of $8 thousand, net of tax expense, were recorded as an increase to net income for the third
          quarter of 2023 by reducing non-interest expense in that period.</font>&#160; No additional adjustments were necessary or made to the results for the fourth quarter of 2023.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Broadway filed its Form 10-Q for the third quarter of 2023 and its Form 10-K for 2023 on May 20, 2024 and filed its Form 10-Q for the first quarter of 2024 on May 24,
        2024.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Chief Executive Officer, Brian Argrett commented</font><font style="font-size: 10pt;">,
          &#8220;Calendar year 2023 presented significant growth, a resilient balance sheet, and the maintenance of strong credit quality across our commercial portfolio.&#160; However, calendar year 2023 also presented a unique set of challenges for the Company, but
          I believe that we have addressed those challenges successfully and in a manner that has made City First Broadway stronger.&#8221;</font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;Firstly, I wish to address the delay in reporting our financial results.&#160; As discussed above, during the preparation of our quarterly financial statements for the
        third quarter of 2023, our team identified material weaknesses in internal controls.&#160; We aggressively addressed this problem as we understand the paramount importance of providing accurate financial information for our stockholders, depositors, and
        other stakeholders.&#160; I am pleased to report that we have strengthened our controls, and our financial and accounting team, and that the net total adjustments identified during a thorough evaluation of our financial records by a third-party firm
        resulted in an increase in net income of $8 thousand for the third quarter.&#8221;</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;In addition, during 2023, we continued to see our financial results adversely affected by the eleven rate increases implemented by the Federal Open Market Committee
        of the Federal Reserve since March 2022.&#160; We remain optimistic about our future, however, and have continued to pursue our strategy of increasing our operational capabilities to support growth and, ultimately, improve profitability.&#160; We believe our
        investments in infrastructure and personnel will help us create a financial institution with substantially greater capabilities, scale, profit potential, and ability to positively impact the low-to-moderate income communities that we serve.&#8221;</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;Notwithstanding our optimism, we are cautious in the growth of our loan portfolio and are closely monitoring the economic environment and the performance of our
        borrowers.&#160; I am pleased to report that we expanded our loan portfolio during the third and fourth quarters of 2023, which has now grown over $296 million, or 50%, since the merger of Broadway and CFBanc Corporation, and almost 37% since the
        receipt of $150 million in equity capital under the U.S. Treasury&#8217;s Emergency Capital Investment Program in June 2022.&#160; This growth has enabled City First Broadway to increase total interest income in each of the past eleven quarters since the
        merger without sacrificing our commitment to credit quality or our mission.&#160; As was the case at the end of June 2023, the Bank did not have any non-accrual loans or non-performing assets at the end of the third or fourth quarters of 2023, and
        delinquencies continue to be modest.&#160; Also, we believe that we are being prudent in the management of our securities portfolio as we have steadily shortened the average duration of the portfolio from 4.4 years at the beginning of 2022 to 2.5 years
        at the end of 2023.&#8221;</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
      </div>
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
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      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;On the funding side of our business, we successfully increased deposits during the third and fourth quarters of 2023, reversing a trend of deposit outflows that had
        occurred since the end of the first quarter of 2022.&#160; In a calendar year that saw net outflows of deposits across the banking industry in the United States, which precipitated the second, third and fourth largest bank failures in the history of the
        country, we are very pleased to have grown deposits during the third and fourth quarters of 2023 and recovered nearly all of the decline that had occurred during the first half of the year.&#160; The Bank&#8217;s percentage of uninsured deposits, which
        includes deposits from Broadway and other affiliates, was 37% at the end of December 2023, which is significantly below the percentages of uninsured deposits that existed at the failed banks.&#8221;</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;During the fourth quarter, we repurchased almost 245 thousand shares (after adjustment for the 1-for-8 reverse stock split effective November 1, 2023) of our voting
        stock from the Federal Deposit Insurance Corporation, which obtained the shares when it was appointed receiver for First Republic Bank upon its closure in the first half of 2023.&#160; The repurchased shares represented just under 4% of the Company&#8217;s
        total voting shares and represented the fifth largest voting position in our equity.&#160; This repurchase eliminates uncertainty regarding the ultimate disposition of those shares and represents another important step in solidifying our long-term base
        of stockholders that are committed to supporting our mission.&#8221;</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;Going forward, we remain committed to our mission and objectives of growing wisely and improving our profitability.&#160; Given the state of the financial markets, we feel
        fortunate and believe that we have the necessary equity capital and liquidity to execute our plans and continue serving the pressing needs of low-to-moderate income communities.&#8221;</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;Our Board and senior management team remain thankful for the dedication of our employees and the continuing support of our investors, depositors, and partners, which
        together allow us to serve our communities, customers, and broader stakeholders.&#8221;</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Net Interest Income</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Fourth Quarter of 2023 Compared to Fourth Quarter of 2022</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Net interest income before provision for credit losses totaled $7.1 million for the fourth quarter of 2023, representing a decrease of $1.9 million, or
        21.0%, over net interest income before loan loss provision of $9.0 million for the fourth quarter of 2022.&#160; The decrease resulted from higher interest expense, primarily due to an increase in the cost of borrowings and deposits.&#160; The net interest
        margin decreased to 2.40% for the fourth quarter of 2023 from 3.26% for the fourth quarter of 2022, primarily due to an increase in the average cost of funds, which increased to 2.56% for the fourth quarter of 2023 from 0.83% for the fourth quarter
        of 2022, due to higher rates paid on deposits and borrowings after eleven rate increases by the Federal Open Market Committee of the Federal Reserve (the &#8220;FRB&#8221;) from March 2022 through December 2023.&#160; The decrease in net interest income before
        provision for credit losses was partially offset by growth of $84.4 million in average interest-earning assets during the fourth quarter of 2023, compared to the fourth quarter of 2022.&#160; In addition, the overall rate earned on interest-earning
        assets increased by 38 basis points as the Bank earned higher rates on interest-earning deposits, securities, and the loan portfolio.</div>
      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
        <div class="BRPFPageBreak" 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="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Twelve Months of 2023 Compared to the Twelve Months of 2022</div>
      <div style="font-size: 10pt;"><br>
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      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Net interest income before provision for credit losses totaled $29.5 million for the
          year ended December 31, 2023, representing </font><font style="font-size: 10pt;">a decrease of $3.4 million, or 10.3%, <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">over net interest income before loan loss provision of
            $32.9 million for the year ended December 31, 2022.&#160; The decrease resulted from higher interest expense, primarily due to an increase in the cost of borrowings and deposits.&#160; The net interest margin decreased to 2.55% for the twelve months
            ended December 31, 2023, compared to 3.05% for the twelve months ended December 31, 2022, primarily due to an overall increase of 173 basis points in the average cost of funds, which reflected the higher rates that the Bank paid on deposits and
            borrowings because of the interest rate increases implemented by the FRB.&#160; The decrease in net interest income before provision for credit losses was partially offset by growth of $79.2 million in average interest-earning assets during the year
            ended December 31, 2023, compared to the year ended December 31, 2022.&#160; In addition, the overall rate earned on interest-earning assets increased by 72 basis points as the Bank earned higher rates on interest-earning deposits, securities, and
            the loan portfolio.</font></font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">The following tables set forth the average balances, average yields and costs, and certain other information for the periods indicated.&#160; All average balances are daily
        average balances.&#160; The yields set forth below include the effect of deferred loan fees, and discounts and premiums that are amortized or accreted to interest income or expense.</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
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      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
        <div class="BRPFPageBreak" 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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      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z96c0839d4d0a4bbd96989bf3f783c665" class="cfttable">

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            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; padding-bottom: 2px;">
              <div style="text-indent: -36pt; margin-left: 36pt;">&#160;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="22">
              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">For the Three Months Ended December 31,</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="vertical-align: middle; padding-bottom: 2px; font-size: 10pt; width: 28%;">
              <div style="text-indent: -36pt; margin-left: 36pt;">&#160;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="10">
              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;"> 2023</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">2022</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%;">
              <div style="text-indent: -36pt; margin-left: 36pt;">&#160;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="22">
              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">(Dollars in thousands)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; padding-bottom: 2px;">
              <div style="text-indent: -9pt; margin-left: 9pt;">&#160;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">Average </div>
              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">Balance</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: center; vertical-align: bottom; font-size: 10pt; width: 1.17%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">Interest</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: center; vertical-align: bottom; font-size: 10pt; width: 1.17%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" colspan="1" class="cftguttercell">&#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: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Average</div>
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> Yield</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: center; vertical-align: bottom; font-size: 10pt; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">Average </div>
              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">Balance</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: center; vertical-align: bottom; font-size: 10pt; width: 1.17%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">Interest</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: center; vertical-align: bottom; font-size: 10pt; width: 1.17%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">Average</div>
              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;"> Yield</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold; text-indent: -9pt; margin-left: 18pt;">Assets</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="3">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Interest-earning assets:</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="3">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 28%; background-color: rgb(204, 238, 255); font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Interest-earning deposits</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">13,856</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">148</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">4.27</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">32,500</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">211</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">2.60</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 28%; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Securities</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">316,291</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">2,154</div>
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              <div style="font-family: 'Times New Roman';">4.76</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">740,155</div>
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              <div style="font-family: 'Times New Roman';">8,129</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">4.39</div>
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              <div style="font-family: 'Times New Roman';">%</div>
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            <td valign="bottom" style="vertical-align: middle; width: 28%; padding-bottom: 2px; font-size: 10pt;">
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              <div style="font-family: 'Times New Roman';">12,769</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">212</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">6.64</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">%</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">6,365</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">141</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">8.86</div>
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              <div style="font-family: 'Times New Roman';">%</div>
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            <td valign="bottom" style="vertical-align: middle; width: 28%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Total interest-earning assets</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">1,192,432</div>
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">12,618</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">4.23</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">%</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,108,056</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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              <div style="font-family: 'Times New Roman';">10,661</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">3.85</div>
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              <div style="font-family: 'Times New Roman';">%</div>
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          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 28%; padding-bottom: 2px; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Non-interest-earning assets</div>
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              <div style="font-family: 'Times New Roman';">88,255</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">69,174</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
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            <td valign="bottom" style="vertical-align: middle; width: 28%; font-size: 10pt;">
              <div style="text-indent: -9pt; margin-left: 18pt;">&#160;</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="vertical-align: middle; width: 28%; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Interest-bearing liabilities:</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 28%; background-color: rgb(204, 238, 255); font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Money market deposits</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">130,400</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,310</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">4.02</div>
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              <div style="font-family: 'Times New Roman';">%</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">188,856</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">634</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1.34</div>
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            <td valign="bottom" style="vertical-align: middle; width: 28%; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Savings deposits</div>
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              <div style="font-family: 'Times New Roman';">58,207</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">76</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.52</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftfncell">%</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">64,201</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">14</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.09</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftfncell">
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          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 28%; background-color: rgb(204, 238, 255);">
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">230,636</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">103</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">0.18</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">%</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">220,867</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">73</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.13</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
            </td>
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          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 28%; padding-bottom: 2px; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Certificate accounts</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">164,219</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,045</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">2.55</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">%</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">153,181</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">210</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.55</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 28%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Total deposits</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">583,462</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">2,534</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1.74</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">%</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">627,105</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">931</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.59</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 28%; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">FHLB advances</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">189,748</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">2,296</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">4.84</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftfncell">%</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">80,742</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">%</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">-</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">-</div>
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">-</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">
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            <td valign="bottom" style="vertical-align: middle; width: 28%; padding-bottom: 2px; font-size: 10pt;">
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">601</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">%</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">70,569</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">155</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.88</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 28%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Total borrowings</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">270,081</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">2,937</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">4.35</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">%</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">151,311</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">688</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1.82</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 28%; padding-bottom: 2px; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Total interest-bearing liabilities</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">853,543</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">5,471</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">2.56</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">%</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">778,416</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,619</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.83</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 28%; background-color: rgb(204, 238, 255); font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Non-interest-bearing liabilities</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">148,805</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">120,021</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">278,339</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">278,794</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 18pt;">Total liabilities and stockholders&#8217; equity</div>
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,280,687</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,177,230</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: middle; width: 28%; padding-bottom: 2px; font-size: 10pt;">
              <div style="text-indent: -9pt; margin-left: 18pt;">&#160;</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 18pt;">Net interest rate spread <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup></div>
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">7,147</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">1.67</div>
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">9,042</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.17%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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            <td valign="bottom" style="vertical-align: middle; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.17%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.17%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">139.70</div>
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            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.17%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.17%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.17%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman';"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">&#160;</sup><font style="font-family: 'Times New Roman';">Amount is net of deferred loan fees, loan discounts and loans in process, and includes deferred origination costs and
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">Average Balance</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
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              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Interest-earning assets:</div>
            </td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">14,013</div>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">573</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
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              <div style="font-family: 'Times New Roman';">%</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">147,482</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,677</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">%</div>
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            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Securities</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">322,764</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">8,697</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">2.69</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">252,285</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">5,596</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">2.22</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; background-color: #CCEEFF;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Loans receivable <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">808,850</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">37,143</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">4.59</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
            </td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">674,837</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">28,732</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">4.26</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; padding-bottom: 2px;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">FRB and FHLB stock <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">11,860</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">815</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">6.87</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">3,732</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">264</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">7.07</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Total interest-earning assets</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,157,486</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">47,228</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">4.08</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,078,336</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">36,269</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">3.36</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; padding-bottom: 2px;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Non-interest-earning assets</div>
            </td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">74,138</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">65,213</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; padding-bottom: 4px; background-color: #CCEEFF;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Total assets</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,231,624</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,143,549</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%;">
              <div style="margin-left: 9pt">&#160;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; background-color: #CCEEFF;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman'; font-weight: bold;">Liabilities and Stockholders&#8217; Equity</div>
            </td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Interest-bearing liabilities:</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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              <div style="font-family: 'Times New Roman';">126,831</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">4,269</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">3.37</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">192,835</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,288</div>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">0.67</div>
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            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Savings deposits</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">59,928</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">147</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.25</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">66,033</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">58</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.09</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">
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            <td valign="bottom" style="vertical-align: middle; width: 28%; background-color: #CCEEFF;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman'; font-size: 10pt;">Interest checking and other demand</div>
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman'; font-size: 10pt;">deposits</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">236,244</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">360</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.15</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">240,380</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">220</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.08</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; padding-bottom: 2px;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Certificate accounts</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">154,275</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">2,736</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1.77</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">182,050</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">538</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.30</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Total deposits</div>
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              <div style="font-family: 'Times New Roman';">577,278</div>
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              <div style="font-family: 'Times New Roman';">7,512</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">1.30</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">681,298</div>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">2,104</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">0.31</div>
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              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">FHLB advances</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">8,331</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">61,593</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,071</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
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              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman'; font-size: 10pt;">Bank Term Funding Program</div>
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman'; font-size: 10pt;">borrowing</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
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              <div style="font-family: 'Times New Roman';">40</div>
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              <div style="font-family: 'Times New Roman';">4.87</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">-</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">-</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">-</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; padding-bottom: 2px;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Other borrowings</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">72,465</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,883</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">2.60</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">61,106</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">234</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.38</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Total borrowings</div>
            </td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">250,548</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">10,254</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">4.09</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">
              <div style="font-family: 'Times New Roman';">%</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,305</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1.06</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">827,826</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">17,766</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">2.15</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">
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            </td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">803,997</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">3,409</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">0.42</div>
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            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; background-color: #CCEEFF;">
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Non-interest-bearing liabilities</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">125,401</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">115,665</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Stockholders&#8217; equity</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">278,397</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">223,887</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman'; font-size: 10pt;">Total liabilities and stockholders&#8217;</div>
              <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman'; font-size: 10pt;">equity</div>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,231,624</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
              <div style="font-family: 'Times New Roman';">$</div>
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            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman';">1,143,549</div>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: middle; font-size: 10pt; width: 28%; padding-bottom: 2px;">
              <div style="margin-left: 9pt">&#160;</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman'; text-indent: -9pt; margin-left: 9pt;">Ratio of interest-earning assets to interest-bearing liabilities</div>
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            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
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            <td valign="bottom" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
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              <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)&#160;&#160; </sup><font style="font-family: 'Times New Roman';">Amount is net of deferred loan fees, loan discounts and loans in process, and includes
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            <td nowrap="nowrap" style="width: 2.22%; vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
            <td nowrap="nowrap" style="width: 5.44%; vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
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            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
            <td style="width: 5.5%; vertical-align: middle; font-size: 10pt;" colspan="2">&#160;</td>
            <td style="width: 0.1%; vertical-align: top; font-size: 10pt;">&#160;</td>
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            <td nowrap="nowrap" style="width: 100%; vertical-align: middle; font-size: 10pt;" colspan="25">
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          <tr>
            <td nowrap="nowrap" style="width: 83.68%; vertical-align: middle; font-size: 10pt;" colspan="13">
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            <td nowrap="nowrap" style="width: 2.17%; vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
            <td nowrap="nowrap" style="width: 2.18%; vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
            <td nowrap="nowrap" style="width: 2.14%; vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
            <td nowrap="nowrap" style="width: 2.22%; vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
            <td nowrap="nowrap" style="width: 5.44%; vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
          </tr>

      </table>
      <div style="font-size: 10pt;"><br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Credit Loss Provision</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">For the fourth quarter of 2023, the Company recorded a provision for credit losses under
          the Current Expected Credit Loss (&#8220;CECL&#8221;) methodology of $125 thousand</font><font style="font-size: 10pt;">,<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> compared to a loan loss provision under the previously used incurred
            loss model of $404 thousand for the fourth quarter of 2022</font>.<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">&#160; In addition, the Bank received cash loan loss recoveries of $216 thousand during the fourth quarter of 2023,
            which offset its loan loss provision requirements.&#160; Loan originations decreased to $49.9 million during the fourth quarter of 2023 compared to $67.9 million during the fourth quarter of 2022.</font></font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">For the year ended December 31, 2023, the Company recorded a provision for credit losses
          under the CECL methodology of $933</font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #FF0000;">&#160;</font><font style="font-size: 10pt;">thousand<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">, compared
            to a loan loss provision under the previously used incurred loss model of $997 thousand for the year ended December 31, 2022.</font></font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">The allowance for credit losses (&#8220;ACL</font><font style="font-size: 10pt;">&#8221;) increased
          to $7.3 million as of <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">December 31, 2023, compared to $4.4 million as of December 31, 2022.&#160; The increase was primarily due to the implementation of the CECL methodology adopted
            by the Bank effective January 1, 2023, which increased the ACL by $1.8 million.&#160; In addition, the Bank recorded an additional provision for credit losses of $933 thousand for the twelve months ended December 31, 2023, and the Bank received cash
            loan loss recoveries of $216 thousand during the fourth quarter of 2023.&#160; CECL methodology includes estimates of expected loss rates in the future, whereas the former incurred loss methodology did not.</font></font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">The Bank had no non-accrual </font><font style="font-size: 10pt;">loans at December 31,
          2023.&#160; Loan delinquencies less than 30 days decreased to $7.0 million at December 31, 2023, compared to $8.3 million at December 31, 2022.&#160; Loan delinquencies for 30 days or more, but less than 90 days, increased to $780 thousand at December 31,
          2023, compared to none at December 31, 2022. <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">&#160;</font>No loans were delinquent for 90 days or more at December 31, 2023 or 2022, and no <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">loan charge-offs were recorded during the three or twelve months ended December 31, 2023 or 2022.&#160; The Bank recorded loan loss recoveries of $216 thousand during the fourth quarter of 2023 and none during the
            previous quarters of 2023 or during 2022.</font></font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Non-interest Income</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Non-interest income increased by $4.2 million to $4.5 million during the fourth quarter of 2023, compared to $288 thousand for the fourth quarter of
        2022.&#160; During the fourth quarter of 2023 the Company recognized a grant of $3.7 million grant from the CDFI Fund&#8217;s Equitable Recovery Program and a Bank Enterprise Award of $437 thousand.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">For the year ended December 31, 2023, non-interest income totaled $5.4 million,</font><font style="font-size: 10pt;"> compared to $1.2 million for the prior year.&#160; The increase of $4.2 million resulted from the<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> two grants received from the CDFI Fund.</font></font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Non-interest Expense</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Total non-interest expense was $7.7 million for the fourth quarter of 2023, compared to $6.6 million for the fourth quarter of 2022.&#160; The increase in total
        non-interest expense of $1.1 million was mainly due to increases of $810 thousand in legal and professional fees and $110 thousand in occupancy expenses.&#160; The increase in legal and professional fees was partially attributable to the Company&#8217;s
        examination of internal controls and processes and related review of general ledger account reconciliations discussed above.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">For the year ended December 31, 2023, non-interest expense totaled $27.4 million, compared to $24.9 million for the year ended December 31, 2022.&#160; The increase of $2.5
        million primarily resulted from increases in compensation and benefits expenses of $1.4 million, professional fees of $368 thousand, occupancy expense of $255 thousand, and supervisory costs of $200 thousand, partially offset by a decrease in
        information services expense of $156 thousand.</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">7</font></div>
        <div class="BRPFPageBreak" 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-family: 'Times New Roman'; font-size: 10pt;">The increase in compensation and benefits expense during 2023, compared to 2022, was primarily attributable to an increase in additional full-time employees that the
        Bank hired in various production and administrative positions as part of the Company&#8217;s efforts to expand its operational capabilities to strategically grow its balance sheet and fulfill the intersecting lending objectives of the Company&#8217;s mission
        and the funding received from the Emergency Capital Investment Program of the United States Department of the Treasury in June 2022.&#160; A portion of the increase in compensation expenses during 2023 pertained to recruiting expenses.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Income Taxes</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Income taxes are computed by applying the statutory federal income tax rate of 21% and the combined California and Washington, D.C. income tax rate of 9.75% to taxable
        income.&#160; The Company recorded income tax expense of $1.2<font style="font-family: 'Times New Roman'; color: rgb(255, 0, 0);">&#160;</font>million for the fourth quarter of 2023 and $759 thousand for the fourth quarter of 2022.&#160; The effective tax rate
        was 31.1% for the three-month period ended December 31, 2023, and 33.2% for the comparable period in 2022.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">For the year ended December 31, 2023, income tax expense was $2.0<font style="font-family: 'Times New Roman'; color: rgb(255, 0, 0);">&#160;</font>million, compared to
        income tax expense of $2.4 million for the year ended December 31, 2022.&#160; The decrease in tax expense during 2023 resulted from a decrease in pretax income of $1.6 million over the year ended 2022.&#160; The effective tax rate was 30.4% during the year
        ended 2023, whereas the effective tax rate for the year ended December 31, 2022 was 29.7%.&#160; The increase in the effective tax rate during 2023 was primarily due to the effect of certain permanent tax differences and discrete items.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Balance Sheet Summary</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Total assets increased by $191.1 million during the year ended December 31, 2023 compared to the year ended December 31, 2022, primarily due to growth in net loans of
        $112.4 million and growth in cash and cash equivalents of $89.1 million, partially offset by a decrease in investment securities available-for-sale of $11.8 million.&#160; The Bank borrowed $100 million from the FRB for one year under the Bank Term
        Funding Program at a cost of 4.84% on December 27, 2023.&#160; The funds were invested in overnight funds with the FRB at a rate of 5.40%.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Loans held for investment, net of the ACL, increased by $112.4 million to $880.5 million at December 31, 2023, compared to $768.0 million at December 31, 2022.&#160; The
        increase was primarily due to loan originations of $78.9 million in multi-family loans, $43.2 million in commercial loans and $40.0 million in construction loans, offset in part by loan payoffs and repayments of $47.2 million.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Deposits decreased by $4.3 million to $682.6 million at December 31, 2023 from $686.9 million at December 31, 2022, which consisted of decreases of $27.8 million in
        liquid deposits (demand, interest checking and money market accounts), $8.0 million in certificates of deposit accounts, $6.4 million in ICS deposits (ICS deposits are the Bank&#8217;s money <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">market accounts deposit accounts in excess of FDIC insured limits whereby the Bank makes reciprocal arrangements for insurance with other banks), and </font>$2.3 million in savings deposits.<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">&#160; The decreases in deposits were primarily due to customers who left the Bank for higher interest rates available elsewhere.&#160; These decreases were partially offset by an increase</font> of $40.2 million in Certificate of
        Deposit Registry Service (&#8220;CDARS&#8221;) deposits (CDARS deposits are similar to Insured Cash Sweep (&#8220;ICS&#8221;) deposits, but involve certificates of deposit, instead of money market accounts).&#160; <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">As of December 31, 2023, our uninsured deposits, including deposits from affiliates, represented 37% of our total deposits, as compared to 31% as of December 31, 2022.</font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Total borrowings increased by $191.0 million to $396.8 <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">million at </font>December 31<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">, 2023, from $205.8 million at December 31, 2022, primarily due to a net increase of $81.0 million </font>in advances from the FHLB of Atlanta, as well as<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> the $100 million borrowing from the Bank Term Funding Program.</font>&#160; There was also an increase of $10.0 million in securities sold under agreements to repurchase.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Stockholders&#8217; equity was $281.9 million, or 20.50% of the Company&#8217;s total assets, at December 31, 2023, compared to $279.5 million, or 23.60% of the Company&#8217;s total
        assets, at December 31, 2022.&#160; Stockholders&#8217; equity increased primarily due to a decrease in the accumulated other comprehensive loss, net of tax, of $3.9 million and year-to-date net income of $4.5 million.&#160; These increases were partially offset
        by a net increase in unearned shares in the employee stock ownership plan of $3.2 million and a decrease in additional paid-in capital of $1.6 million due to share repurchases.&#160; Upon adoption of CECL on January 1, 2023, the Company recognized a net
        decrease in retained earnings of $1.3 million.&#160; <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Book value per share was $14.65 at December 30, 2023 and $14.11 (adjusted for the 1-for-8 reverse stock split effective November 1,
          2023) at December 31, 2022.</font></div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> <br>
        </font></div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">8</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">About Broadway Financial Corporation</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Broadway Financial Corporation operates through its wholly-owned banking subsidiary, City First Bank, National Association, which is a leading
        mission-driven bank that serves low-to-moderate income communities within urban areas in Southern California and the Washington, D.C. market.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">About the City First Branded Family</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">City First Bank offers a variety of commercial real estate loan products, services, and depository accounts that support investments in affordable
        housing, small businesses, and nonprofit community facilities located within low-to-moderate income neighborhoods.&#160; City First Bank is a Community Development Financial Institution, Minority Depository Institution, Certified B Corp, and a member of
        the Global Alliance of Banking on Values.&#160; The Bank and the City First network of nonprofits, City First Enterprises, Homes By <a name="z_Int_3HHAzrcE"></a>CFE, and City First Foundation, represent the City First branded family of community
        development financial institutions, which offers a robust lending and deposit platform.</div>
      <div style="font-size: 10pt;">
        <div><br>
        </div>
      </div>
      <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Stockholders, analysts, and others seeking information about the Company are invited to write to:&#160; Broadway Financial Corporation, Investor Relations,
        4601 Wilshire Boulevard, Suite 150, Los Angeles, CA 90010 or contact Investor Relations at the phone number or email address below.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>Contacts</u></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Investor Relations</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Zack Ibrahim, Chief Financial Officer, (202) 243-7100</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-style: normal;">Investor.relations@cityfirstbroadway.com</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">9</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
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      </div>
      <div>
        <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Cautionary Statement Regarding Forward-Looking Information</div>
        <div style="font-size: 10pt;">&#160; <br>
        </div>
        <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">This press release includes &#8220;forward-looking statements&#8221; within the meaning of the safe harbor provisions of the United States Private Securities
          Litigation Reform Act of 1995.&#160; All statements other than statements of historical facts contained in this press release, including statements regarding our future results of operations or financial condition, business strategy and plans and
          objectives of management for future operations and capital allocation and structure, are forward-looking statements.&#160; Forward&#8209;looking statements typically include the words &#8220;expect,&#8221; &#8220;estimate,&#8221; &#8220;project,&#8221; &#8220;budget,&#8221; &#8220;forecast,&#8221; &#8220;anticipate,&#8221;
          &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;may,&#8221; &#8220;will,&#8221; &#8220;could,&#8221; &#8220;should,&#8221; &#8220;believes,&#8221; &#8220;predicts,&#8221; &#8220;potential,&#8221; &#8220;continue,&#8221; &#8220;poised,&#8221; &#8220;optimistic,&#8221; &#8220;prospects,&#8221; &#8220;ability,&#8221; &#8220;looking,&#8221; &#8220;forward,&#8221; &#8220;invest,&#8221; &#8220;grow,&#8221; &#8220;improve,&#8221; &#8220;deliver&#8221; and similar expressions, but the
          absence of such words or expressions does not mean a statement is not forward-looking.&#160; 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.&#160; The following factors, among others, could cause future results to differ materially from historical results or from those indicated by forward&#8209;looking
          statements included in this press release: (1) the level of demand for mortgage and commercial 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 allowances for credit losses 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. and the Federal Reserve; (6) possible adverse rulings, judgments, settlements and other
          outcomes of litigation; (7) actions undertaken by both current and potential new competitors; (8) the possibility of adverse trends in property values or economic trends in the residential and commercial real estate markets in which we compete;
          (9) the effect of changes in economic conditions; (10) the effect of geopolitical uncertainties; (11) the impact of health crises on our future financial condition and operations; (12) the impact of any volatility in the banking sector due to the
          failure of certain banks due to high levels of exposure to liquidity risk, interest rate risk, uninsured deposits and cryptocurrency risk; and (13) other risks and uncertainties.&#160; All such factors are difficult to predict and are beyond our
          control.&#160; Additional factors that could cause results to differ materially from those described above can be found in our annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K or other filings made with the SEC
          and are available on our website at http://www.cityfirstbank.com and on the SEC&#8217;s website at http://www.sec.gov.</div>
        <div style="font-size: 10pt;">&#160;</div>
      </div>
      <div>
        <div style="text-align: justify; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Forward-looking statements in this press release speak only as of the date they are made, and we undertake no obligation, and do not intend, to
          update these forward-looking statements to reflect events or circumstances occurring after the date of this press release, except to the extent required by law.&#160; You are cautioned not to place undue reliance on these forward-looking statements,
          which speak only as of the date of this press release.</div>
        <div style="font-size: 10pt;">&#160;</div>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">10</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="font-size: 10pt;">
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">BROADWAY FINANCIAL CORPORATION AND SUBSIDIARY</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Selected Financial Data and Ratios (Unaudited)</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Dollars in thousands, except per share data)</div>
        <div style="font-size: 10pt;"><br>
        </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="z1d27d5ce446c4bbb91c7ece19ec7ab97" class="cfttable">

            <tr>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; border-bottom: #000000 solid 2px;" colspan="2">
                <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">December 31, 2023</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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                <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">December 31, 2022</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
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                <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold;">Selected Financial Condition Data and Ratios:</div>
              </td>
              <td valign="bottom" style="font-size: 10pt; vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" style="font-size: 10pt; vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="2">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">
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              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">105,195</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">16,105</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">
                <div style="text-align: left; font-family: 'Times New Roman';">Securities available-for-sale, at fair value</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">316,950</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">328,749</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman';">Loans receivable<font style="font-family: 'Times New Roman';"> held for investment</font></div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">887,805</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">772,434</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; padding-bottom: 2px;">
                <div style="text-align: left; font-family: 'Times New Roman';">Allowance for credit losses</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">(7,348</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">)</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">(4,388</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">)</div>
              </td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Loans receivable<font style="font-family: 'Times New Roman';"> held for investment, net of allowance</font></div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">880,457</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">768,046</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">
                <div style="text-align: left; font-family: 'Times New Roman';">Total assets</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">1,375,404</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">1,184,293</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman';">Deposits</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">682,635</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">686,916</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">
                <div style="text-align: left; font-family: 'Times New Roman';">Securities sold under agreements to repurchase</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">73,475</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">63,471</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman';">FHLB advances</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">209,319</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">128,344</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">
                <div style="text-align: left; font-family: 'Times New Roman';">Bank Term Funding Program borrowing</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">100,000</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">-</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman';">Notes payable</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">14,000</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">14,000</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">
                <div style="text-align: left; font-family: 'Times New Roman';">Total stockholders' equity</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">281,903</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">279,482</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">
                <div style="text-align: left; font-family: 'Times New Roman';">Book value per share</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">14.65</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">14.11</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman';">Equity to total assets</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">20.50</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">%</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">23.60</div>
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                <div style="font-family: 'Times New Roman';">%</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold;">Asset Quality Ratios:</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">
                <div style="text-align: left; font-family: 'Times New Roman';">Non-accrual loans to total loans</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">0.00</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">%</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">0.02</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">%</div>
              </td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman';">Non-performing assets to total assets</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">0.00</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">%</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">0.01</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">%</div>
              </td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">
                <div style="text-align: left; font-family: 'Times New Roman';">Allowance for credit losses to total gross loans</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">0.83</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">%</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">0.57</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">%</div>
              </td>
            </tr>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman';">Allowance for credit losses to non-performing loans</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">N/A</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">3047.22</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">%</div>
              </td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold;">Non-Performing Assets:</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">
                <div style="text-align: left; font-family: 'Times New Roman';">Non-accrual loans</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">-</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">144</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman';">Loans delinquent 90 days or more and still accruing</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">-</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">-</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
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                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">144</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman';">Delinquent loans less than 30 days delinquent</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">7,022</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">8,253</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%;">
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              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">780</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">-</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 76%; background-color: #CCEEFF;">
                <div style="text-align: left; font-family: 'Times New Roman';">Delinquent loans greater than 90 days delinquent</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">-</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: right; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">-</div>
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              <td valign="bottom" nowrap="nowrap" style="font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 45%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
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                <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">Three Months Ended December 31,</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
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                <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">Twelve Months Ended December 31,</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman'; font-weight: bold;">Selected Operating Data and Ratios:</div>
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              <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
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                <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">2023</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="2">
                <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;"> 2022</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="2">
                <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;"> 2023</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="2">
                <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;"> 2022</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 45%;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Interest income</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">12,618</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">10,661</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">47,228</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">36,269</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 45%;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Interest expense</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">5,471</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">1,619</div>
              </td>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">17,766</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">3,409</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 45%;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Net interest income</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
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                <div style="font-family: 'Times New Roman';">7,147</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">9,042</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">29,462</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">32,860</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 45%;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Credit loss provision</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">125</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">404</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">933</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">997</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 45%;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Net interest income after loan loss provision</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">7,022</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">8,638</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">28,529</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">31,863</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 45%;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Non-interest income</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">4,477</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">288</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">5,357</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">1,195</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 45%;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Non-interest expense</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">(7,709</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">)</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">(6,643</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">)</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">(27,363</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">)</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">(24,939</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">
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                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Income before income taxes</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">3,790</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">2,283</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">6,523</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">8,119</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 45%;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Income tax expense</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">1,179</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">759</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">1,985</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">2,413</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; font-size: 10pt; width: 45%;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Net income</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">2,611</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">1,524</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">4,538</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">5,706</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 45%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 45%;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Net income - non-controlling interest</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">4</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">19</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">24</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">70</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 45%;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 16.2pt; font-family: 'Times New Roman';">Net income Broadway Financial Corporation</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">2,607</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">1,505</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">4,514</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">5,636</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 45%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 2%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 2%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; font-size: 10pt; width: 9.28%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1.61%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 2.23%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 0.87%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 1%;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; font-size: 10pt; width: 0.99%;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; font-size: 10pt; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 45%; background-color: rgb(204, 238, 255); font-size: 10pt;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Earnings per common share-diluted</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.87%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.28%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">0.31</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.99%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.28%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">0.16</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2.23%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';"><br>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.87%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">0.51</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.99%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">0.62</div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup></td>
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            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 45%; font-size: 10pt;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.87%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.28%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; font-size: 10pt;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.99%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.28%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.61%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2.23%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.87%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; font-size: 10pt;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.99%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 45%; background-color: rgb(204, 238, 255); font-size: 10pt;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Loan originations <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.87%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.28%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">49,870</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.99%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.28%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">67,926</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.61%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2.23%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.87%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">162,105</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.99%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">
                <div style="font-family: 'Times New Roman';">$</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">273,419</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 45%; font-size: 10pt;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.87%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.28%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; font-size: 10pt;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.99%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.28%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1.61%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2.23%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.87%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; font-size: 10pt;">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.99%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftfncell">&#160;</td>
            </tr>
            <tr>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 45%; background-color: rgb(204, 238, 255); font-size: 10pt;">
                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Net recoveries to average loans</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.87%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9.28%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">0.10</div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftfncell">
                <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
              </td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;">
                <div style="text-align: center; font-family: 'Times New Roman';"><br>
                </div>
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                  <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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                <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup> <br>
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                <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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                <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Return on average equity</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.87%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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                <div style="font-family: 'Times New Roman';">3.75</div>
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                <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.99%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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                <div style="font-family: 'Times New Roman';">2.19</div>
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                <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.87%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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                <div style="font-family: 'Times New Roman';">1.62</div>
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                <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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                <div style="text-align: center; font-family: 'Times New Roman';"><br>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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                <div style="font-family: 'Times New Roman';">2.55</div>
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                <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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                <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman';">Net interest margin</div>
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              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 0.87%; font-size: 10pt;" colspan="1" class="cftguttercell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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                <div style="font-family: 'Times New Roman';">2.40</div>
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                <div style="font-family: 'Times New Roman';">
                  <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 2%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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                <div style="font-family: 'Times New Roman';">3.26</div>
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                <div style="font-family: 'Times New Roman';">
                  <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
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                <div style="font-family: 'Times New Roman';">2.55</div>
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                <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1" class="cftcurrcell">&#160;</td>
              <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1" class="cftnumcell">
                <div style="font-family: 'Times New Roman';">3.05</div>
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                <div style="font-family: 'Times New Roman';">%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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                <div style="font-family: 'Times New Roman';">Does not include net deferred origination costs.</div>
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                <div style="font-family: 'Times New Roman';">Annualized</div>
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      <div style="font-size: 10pt; text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">11</font></div>
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  <xs:import namespace="http://fasb.org/us-types/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd" />
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  <xs:import namespace="http://fasb.org/srt/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd" />
  <xs:import namespace="http://fasb.org/srt-types/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-types-2023.xsd" />
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</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>byfc-20240605_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 24.3.1.5224 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
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  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
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  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
  <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
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    <link:label xlink:type="resource" xlink:label="dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CoverAbstract" xml:lang="en-US" id="dei_CoverAbstract">Cover [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CoverAbstract" xlink:to="dei_CoverAbstract" xlink:title="label: CoverAbstract to dei_CoverAbstract" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:label xlink:type="resource" xlink:label="dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_WrittenCommunications" xml:lang="en-US" id="dei_WrittenCommunications">Written Communications</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WrittenCommunications" xlink:to="dei_WrittenCommunications" xlink:title="label: WrittenCommunications to dei_WrittenCommunications" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:label xlink:type="resource" xlink:label="dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SolicitingMaterial" xml:lang="en-US" id="dei_SolicitingMaterial">Soliciting Material</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SolicitingMaterial" xlink:to="dei_SolicitingMaterial" xlink:title="label: SolicitingMaterial to dei_SolicitingMaterial" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementTenderOffer" xml:lang="en-US" id="dei_PreCommencementTenderOffer">Pre-commencement Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer" xlink:title="label: PreCommencementTenderOffer to dei_PreCommencementTenderOffer" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementIssuerTenderOffer" xml:lang="en-US" id="dei_PreCommencementIssuerTenderOffer">Pre-commencement Issuer Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer" xlink:title="label: PreCommencementIssuerTenderOffer to dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentFlag" xml:lang="en-US" id="dei_AmendmentFlag">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmendmentFlag" xlink:to="dei_AmendmentFlag" xlink:title="label: AmendmentFlag to dei_AmendmentFlag" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalYearFocus" xml:lang="en-US" id="dei_DocumentFiscalYearFocus">Document Fiscal Year Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus" xlink:title="label: DocumentFiscalYearFocus to dei_DocumentFiscalYearFocus" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalPeriodFocus" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus" xlink:title="label: DocumentFiscalPeriodFocus to dei_DocumentFiscalPeriodFocus" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentPeriodEndDate" xml:lang="en-US" id="dei_DocumentPeriodEndDate">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate" xlink:title="label: DocumentPeriodEndDate to dei_DocumentPeriodEndDate" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:label xlink:type="resource" xlink:label="dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityRegistrantName" xml:lang="en-US" id="dei_EntityRegistrantName">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityRegistrantName" xlink:to="dei_EntityRegistrantName" xlink:title="label: EntityRegistrantName to dei_EntityRegistrantName" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCentralIndexKey" xml:lang="en-US" id="dei_EntityCentralIndexKey">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey" xlink:title="label: EntityCentralIndexKey to dei_EntityCentralIndexKey" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFileNumber" xml:lang="en-US" id="dei_EntityFileNumber">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFileNumber" xlink:to="dei_EntityFileNumber" xlink:title="label: EntityFileNumber to dei_EntityFileNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityTaxIdentificationNumber" xml:lang="en-US" id="dei_EntityTaxIdentificationNumber">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber" xlink:title="label: EntityTaxIdentificationNumber to dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityIncorporationStateCountryCode" xml:lang="en-US" id="dei_EntityIncorporationStateCountryCode">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode" xlink:title="label: EntityIncorporationStateCountryCode to dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany">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" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1" xml:lang="en-US" id="dei_EntityAddressAddressLine1">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine2" xml:lang="en-US" id="dei_EntityAddressAddressLine2">Entity Address, Address Line Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2" xlink:title="label: EntityAddressAddressLine2 to dei_EntityAddressAddressLine2" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine3" xml:lang="en-US" id="dei_EntityAddressAddressLine3">Entity Address, Address Line Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3" xlink:title="label: EntityAddressAddressLine3 to dei_EntityAddressAddressLine3" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown" xml:lang="en-US" id="dei_EntityAddressCityOrTown">Entity Address, City or Town</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown" xlink:title="label: EntityAddressCityOrTown to dei_EntityAddressCityOrTown" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressStateOrProvince" xml:lang="en-US" id="dei_EntityAddressStateOrProvince">Entity Address, State or Province</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince" xlink:title="label: EntityAddressStateOrProvince to dei_EntityAddressStateOrProvince" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCountry" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCountry" xml:lang="en-US" id="dei_EntityAddressCountry">Entity Address, Country</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCountry" xlink:to="dei_EntityAddressCountry" xlink:title="label: EntityAddressCountry to dei_EntityAddressCountry" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode" xml:lang="en-US" id="dei_EntityAddressPostalZipCode">Entity Address, Postal Zip Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode" xlink:title="label: EntityAddressPostalZipCode to dei_EntityAddressPostalZipCode" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:label xlink:type="resource" xlink:label="dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CityAreaCode" xml:lang="en-US" id="dei_CityAreaCode">City Area Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CityAreaCode" xlink:to="dei_CityAreaCode" xlink:title="label: CityAreaCode to dei_CityAreaCode" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber" xml:lang="en-US" id="dei_LocalPhoneNumber">Local Phone Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber" xlink:title="label: LocalPhoneNumber to dei_LocalPhoneNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:label xlink:type="resource" xlink:label="dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_Security12bTitle" xml:lang="en-US" id="dei_Security12bTitle">Title of 12(b) Security</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Security12bTitle" xlink:to="dei_Security12bTitle" xlink:title="label: Security12bTitle to dei_Security12bTitle" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:label xlink:type="resource" xlink:label="dei_NoTradingSymbolFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_NoTradingSymbolFlag" xml:lang="en-US" id="dei_NoTradingSymbolFlag">No Trading Symbol Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag" xlink:title="label: NoTradingSymbolFlag to dei_NoTradingSymbolFlag" />
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<span style="display: none;">v3.24.1.1.u2</span><table class="report" border="0" cellspacing="2" id="idm139769636553696">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Jun. 05, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jun.  05,  2024<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-39043<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">BROADWAY FINANCIAL CORP \DE\<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001001171<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">95-4547287<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">4601 Wilshire Boulevard Suite 150<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Los Angeles<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">CA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">90010<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">323<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">634-1700<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Class A Common Stock, par value $0.01 per share (including attached preferred stock purchase rights)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">BYFC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</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:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>xbrli:normalizedStringItemType</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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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
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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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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</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>
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<tr>
<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_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</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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<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</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_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</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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<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_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</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:booleanItemType</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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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<td>dei_</td>
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<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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